Bank keeps cancelling my direct debit

Hanky_Panky

grumbler wrote: »

So, first you say that something was not true.
Then you suggest replacing some words to actually make it not true.

Are you feeling a bit picky today ?

What you originally stated was not true.

It is your fault/responsibility to make sure the payments are made regardless of whether you 'think' your responsibilities are covered by setting up a DD and no the company doesn't have to sort it out with your bank because it's your responsibility.

grumbler

Hanky_Panky wrote: »

Are you feeling a bit picky today ?

Yes, I am now, but it was you who was the first.

What you originally stated was not true.

It was.

It is your fault/responsibility to make sure the payments are made regardless of whether you 'think' your responsibilities are covered by setting up a DD and no the company doesn't have to sort it out with your bank because it's your responsibility.

There was no word 'payment' in my post.
A failed DD is not my fault if I have enough funds and provided the company with the correct details - TRUE.
I can pay, but I cannot sort the DD problem out - TRUE.

Hanky_Panky

grumbler wrote: »

Yes, I am now, but it was you who was the first.

It was.

There was no word 'payment' in my post.
A failed DD is not my fault if I have enough funds and provided the company with the correct details - TRUE.
I can pay, but I cannot sort the DD problem out - TRUE.

For the last time - no, your assumptions are wrong.

As I mentioned in my post to the OP a DD is just a means to pay - you, the individual has to ensure the payment is made by whatever means necessary even if you have set up a DD and it has failed and even if it was not your fault it failed and so on.....
And also yes - you have to sort out the problem - you can't just walk away and claim it isn't your responsibility - ludicrous !

innovate

You are missing the point.

What grumbler said is absolutely correct. Read what he said.

grumbler

I rest my case.

dalesrider

Hanky_Panky wrote: »

As I mentioned in my post to the OP a DD is just a means to pay

True.

Hanky_Panky wrote: »

- you, the individual has to ensure the payment is made by whatever means necessary even if you have set up a DD and it has failed and even if it was not your fault it failed and so on.....

No. The Op set up the method (with poor advice from the energy co). So non collection of the funds is the co's issue to sort out.
I guess the issue is that the same reference is being used as the cancelled DD.
Which WILL cause issues.

Hanky_Panky wrote: »

And also yes - you have to sort out the problem - you can't just walk away and claim it isn't your responsibility - ludicrous !

Payment method is in place. As the energy co gave bad advise. Its their fault and they need to set it all up again and resolve the issue.

Not sure which energy co the OP is using but BG allow you to set up the DD on their site.

Hazzanet

Is the 'bank' Nationwide, out of interest? I had a similar situation with them once...

Bergaspeed

hi. thanks for your replies.
the bank is Halifax. I have spoken to them already and they assured me that the direct debit was ok to be collected by the electric company.

I think I may have worded things wrongly in the first place.
I set up a new direct debit with the electric company not the bank.

I think I will speak to the electric co and ask them to change the reference on the ddi see if that works.

henm2

Another possible reason for the bounced payments is if it is a newly set up direct debit and the Energy company claims too quickly on it. It will automatically not be paid in such circumstances as the mandate has to be in place for at least 10 days before the first amount can be claimed.

Hanky_Panky

dalesrider wrote: »

True.



No. The Op set up the method (with poor advice from the energy co). So non collection of the funds is the co's issue to sort out.
I guess the issue is that the same reference is being used as the cancelled DD.
Which WILL cause issues.



Payment method is in place. As the energy co gave bad advise. Its their fault and they need to set it all up again and resolve the issue.

Not sure which energy co the OP is using but BG allow you to set up the DD on their site.

Sorry but you are just completely wrong - grumbler can rest his case all he likes but it doesn't mean he is correct either.

The issue here is that his bank have a cancellation in place for this mandate so he can set it up with the electric company (EC) as often as he likes and the bank will keep returning it all the time. You may like to say that it's up to the EC to sort it out but clearly the only option they have is to set up a new mandate - how is that going to help ? The bank are certainly not going to talk to the EC about it and quite rightly too. DP Act anyone ?

In the meantime he/she is missing payments, the op's internal credit rating with the EC is getting shot - possibly his external one too if they report it to a CCA. And all because he takes the stance that it's up to them to sort out. Would you risk getting a ccj because you were too belligerent to sort it our yourself?

It is not the EC's fault the dd keeps bouncing (although they shouldn't have advised him to cancel it and set up a new one, but too late now, it's happened) and equally it isn't the banks fault either. Partly why I suggested in an earlier post to remove the word fault altogether and replace with responsible.

For the record I have seen this happen in the past hundreds of times.