Direct Debit unplanned borrowing (Indemnity claim)

K0SS

Hi there guys.

bengal-stripe

A DD is sent on it's way three or four working days before the day it is due. Even if you had asked the telephone company to withdraw the DD, they could not have done so. To cancel a DD, usally requires five working days notice.

No agency in the world could have prevented that DD to get charged to your account the next day.

Why did you make a manual payment the day before the DD was due?

Smedders11

I did this with my TV bill. Had some extra cash so paid it off, only for the amount to be taken out two days later! It's not all bad as at leat you're in credit next month.

Your best bet is to go into the bank and see what they say. If you prove it was a genuine mistake they make assist out of goodwill, but I doubt they're obliged to. Your bank was just paying a fee that was suppsed to come out. You could request a refund on the credit, but that could take a few days.

Smedders11

K0SS wrote: »

If am lucky, maybe it triggers the system after 48 hours. In a couple of hours I'll be within my agreed overdraft limit.

I doubt that I'm afraid.
My bank has a grace period up to 5 p.m. the next day (or maybe same day?). Either way, 48 hours seems unlikely.

dalesrider

K0SS wrote: »

I told her that makes no sense at all and that I am making an indemnity claim under the direct debit guarantee, so she put me on hold, after she came back she put me through to a nice chap who asked me why I wanted to raise the indemnity claim, I explained to him and he raised the indemnity claim immediately, and he told me the funds will be back into my account before tea time.

That will have been the diffrence between talking to someone in the call center (who thinks they know) and someone in the banking section (who knows what to do)

It frustrates the hell out of me in situations like this where it is only because a customer questions what they are being told. Do they ring the department that actually knows how to deal.

PSD, has made the whole situation a whole lot worse. And when a call cen rep asks what to advise a customer. We simply say. Don't (with take no offense) as the info we get can change, and there is no way to run updated info out to everybody. So far better to simply put customer through and let us deal.

Aside, in a PSD situation. The bank should be removing the charges.

But remember that you need to sort that DD out again. As it hs been returned. You also need to talk to the mobile co as to why it was bounced back to them.