Direct debits and consequent bank charges

johnboi81

Hi, I would like some information regarding the DD debit Guarantee.


If a direct debit is taken from my account wrongly and I then receive a bank charge for going into an unplanned overdraft (£30) would I be able to claim back both the wrongly deducted DD and the charge relating to this, or am I only entitled to the wrongly deducted DD thus leaving me with a bank charge to pay that is no fault of my own?.

stclair

Yes if the claim falls with the Direct Debit guarantee scheme remit.

johnboi81

stclair wrote: »

Yes if the claim falls with the Direct Debit guarantee scheme remit.

were does it say this?

The bank told me today that it is not obliged to give me the charges that I incurred due to the incorrect DD.

I am confussed.

stclair

johnboi81 wrote: »

were does it say this?

The bank told me today that it is not obliged to give me the charges that I incurred due to the incorrect DD.

I am confussed.

It's part of the payment service directive. Which says the bank has to put you back in the same position prior to disputed transaction taking place.

Sensory

These case studies may help, depending on the nature of the dispute.

stclair

Sensory wrote: »

These case studies may help, depending on the nature of the dispute.

That might be out of date now as the payment service directive was not introduced until 2009.

YorkshireBoy

stclair wrote: »

It's part of the payment service directive. Which says the bank has to put you back in the same position prior to disputed transaction taking place.

Specifically, regulation 61(b) [cross referenced with others]...

http://www.legislation.gov.uk/uksi/2009/209/pdfs/uksi_20090209_en.pdf (page 38)