HSBC and unauthorised charges

JuicyJesus

dalesrider wrote: »

Given it was bank holiday weekend, they will have been requested early to ensure payment hit the co in time.

I have never heard of payments being taken the day before a weekend or bank holiday (or bank holiday weekend). Usually they are taken the day after.

It all hinges on what the advance notice for the Direct Debit (i.e. the bill or other notification) said the payment date was. If it was taken before that date or was for a different amount, that is a ground for an indemnity claim.

innovate

magpiecottage wrote: »

There would not be a late payment marker because the payment was not late. On the contrary, it was early.

Only if they were legitimately taken in the first place. If they were early then they were not and the originators have exactly the same ground for complaint that the payment was reversed as they would if it had bounced - i.e. none.

Either you are making a big effort not to understand my example, or I have failed big time getting the message over in my example.

The point is that you and someone else suggested the OP should ask for a reversal of the DD, simply because - allegedly - a DD was taken a day early. Neither of you have described how the companies should then (after the reversal) get the money that they should have got a day after they got it.

Your suggestion would result in the OP having two non-payments to two different companies. Those companies would almost certainly report the now outstanding payments because they never got their money for the period in question.

gt94sss2

The whole principle of the direct debit system is built on the fact that funds will only be taken on the correct date - hence the direct debit guarantee.

If the funds were taken on the wrong day, then this is a serious breach of the system and the companies would simply have to collect the money again. They would be on a sticky wicket if they reported it to a credit agency as it would be their error - not the OPs

As JuicyJesus says, while salaries are sometimes paid in early on bank holidays etc, it is unusual for this to happen with direct debits but it all depends on what notice was given.

Regards
Sunil

innovate

gt94sss2 wrote: »

They would be on a sticky wicket if they reported it to a credit agency as it would be their error - not the OPs

Well, it could be argued until the cows come home who was at fault for what and when - but the fact is that once there is a marker on the credit file, it's a huge effort to get it removed. And a Notice Of Correction will mean all sorts of automated credit checks can't happen for the next 6 years.

It would just appear to be SO much more sensible if the OP insisted that the two companies in question pay all the charges that resulted from their early collection of the DDs. That is, of course, if they indeed did take the money early - - which I still have my doubts about.