aol direct debit

tonette1

I cancelled a direct debit with AOL through my bank 3 weeks ago. This week they went in and put me overdrawn. When I phoned the bank they said that AOL had set the Direct debit up again and it was okay for them to do that. is that right i got a 38 pound charge through this.

jonesMUFCforever

Do you owe them money?
Are you tied in to a contract with them and have you cancelled early?
Was the d/d set up on your bank account or as a continious authority using your debit visa/mastercard?
If so your bank would be unable to cancel this as you should have cancelled with AOL.

YorkshireBoy

You should also inform the originator* when you cancel the DD with your bank. This is especially important now that many DD's are set up electronically using AUDDIS because, as you have found, they can easily be set up again.

* The Direct Debit Guarantee

If the amounts to be paid or the payment dates change, the organisation collecting the payment will notify you normally 10 working days in advance of your account being debited or as otherwise agreed.

If an error is made by the organisation or your bank or building society, you are guaranteed a full and immediate refund from your branch of the amount paid.

You can cancel a Direct Debit at any time by contacting your bank or building society. We also recommend you notify the organisation concerned.

Sillychuckie

"Recommend"...
not "Require".

As far as I'm concerned, the bank should not have paid the money.
If you still owe it to Aol or you are signed up to a contract, it is Aol's job to chase you for the money using other means.

What probably happened was aol used the same signature slip you initially signed to recreate the direct debit. Ask your bank for details. If this is not the case though and the bank simply failed to cancel it, they are liable.
The bank are in no position to decide whether you do or don't owe the money to AOL and must follow your instruction.

Homework

When aol direct debit is cancelled it comes up with a message on screen when you go on the internet. It asks for a master screen name to 'reinstate' or 'update' the direct debit details. When I cancelled a direct debit to move accounts over my husband got the message when he went on the internet and pressed 'reinstate' so he could get online in a hurry. I had to contact them and cancel it again to input the new details.

If someone else has access to aol they may have done the same.

YorkshireBoy

Sillychuckie wrote: »

"Recommend"...
not "Require".

I quoted directly from the BACS site. Individual organisations have their own wording. For example, all my credit card DD Guarantees conclude very clearly..."Please also send a copy of your letter to us"

My guess is that this is because they are set up electronically through AUDDIS.

Surely it's better to say to AOL "please don't claim a payment again" (in addition to simply cancelling the arrangement with your bank), rather than simply saying to your bank "If they try and claim a payment, don't let them!"

As far as I'm concerned, the bank should not have paid the money.
If you still owe it to Aol or you are signed up to a contract, it is Aol's job to chase you for the money using other means.

What probably happened was aol used the same signature slip you initially signed to recreate the direct debit. Ask your bank for details. If this is not the case though and the bank simply failed to cancel it, they are liable.
The bank are in no position to decide whether you do or don't owe the money to AOL and must follow your instruction.

Are you familiar with AUDDIS?