Be a Cancellation Hero article discussion

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Hi folks, this discussion relates to the


Please click reply to discuss the article, add your feedback, and report back on what you found and how much you saved cancelling.

Thank you :)

Comments

  • kjmuttie
    kjmuttie Posts: 9 Forumite
    Combo Breaker First Anniversary
    I juggle 2 current accounts and this has obviously had an impact as I just discovered a direct debit being taken out monthly (£15) since Aug 2012. I do not have any paperwork on it however! Having had a think, I now think it is from an 'auto renewal' insurance policy (dog insurance for which I have another policy) I cancelled the direct debit with the bank but cannot contact the relevant company. I would try to ask for money back as I was not aware of this 'policy' if it is that. All I have is a bank reference number and company bdlm. That is all the bank has also. What to do?
  • Gizmo247
    Gizmo247 Posts: 492 Forumite
    Name Dropper First Anniversary First Post Mortgage-free Glee!
    Better really to have started a new thread.

    The Direct Debit mandate requires a bank to return all and any money incorrectly or fraudulently paid immediately. There is no time limit imposed on this. Banks will normally avoid this whenever possible as it involves administration for them. Don't let them fob you off.

    Similar here: http://martinclarke.blogspot.co.uk/2011/05/but-i-have-no-pets.html
    MFiT-T3 #149: {Q4/14} (£46,447)-->(£0) ~ +£46,447=100%
    Mortgage Free: 1st October 2014 :j
  • jonesMUFCforever
    jonesMUFCforever Posts: 28,898 Forumite
    Name Dropper First Post First Anniversary
    Gizmo247 wrote: »
    Better really to have started a new thread.

    The Direct Debit mandate requires a bank to return all and any money incorrectly or fraudulently paid immediately. There is no time limit imposed on this. Banks will normally avoid this whenever possible as it involves administration for them. Don't let them fob you off.

    Similar here: http://martinclarke.blogspot.co.uk/2011/05/but-i-have-no-pets.html
    There is nothing to suggest here that the bank allowed any incorrect or fraudulent transactions so the d/d indemnity should not be allowed.
    The OP should contact the company - I DON'T BELIEVE THAT THEY CANNOT DO THIS - and agree a partial refund if they can prove alternative cover was in place.
  • innovate
    innovate Posts: 16,217 Forumite
    Combo Breaker First Post
    There is nothing to suggest here that the bank allowed any incorrect or fraudulent transactions so the d/d indemnity should not be allowed.
    The DD guarantee applies if the bank or the payee company made an error.


    http://www.directdebit.co.uk/DirectDebitExplained/Pages/DirectDebitGuarantee.aspx
  • jonesMUFCforever
    jonesMUFCforever Posts: 28,898 Forumite
    Name Dropper First Post First Anniversary
    innovate wrote: »
    The DD guarantee applies if the bank or the payee company made an error.


    http://www.directdebit.co.uk/DirectDebitExplained/Pages/DirectDebitGuarantee.aspx
    Where is the error on the company's part? Did OP cancel the policy?
    What error have the bank done - did OP cancel the D/D? (I KNOW THEY HAVE CANCELLED NOW)
  • Does anybody know that if I cancel my DD on this mandate am I liable for full payment. Its in the section please read carefully. You would need download the dd mandate to see what I mean. Hope you can help

    Cardiffdevils.com/buy-tickets/season-tickets[/url]
  • jonesMUFCforever
    jonesMUFCforever Posts: 28,898 Forumite
    Name Dropper First Post First Anniversary
    welshy74 wrote: »
    Does anybody know that if I cancel my DD on this mandate am I liable for full payment. Its in the section please read carefully. You would need download the dd mandate to see what I mean. Hope you can help

    Cardiffdevils.com/buy-tickets/season-tickets[/url]
    We cannot click on your link as you do not have posting rights to post links.
    Cancelling a direct debit does not cancel the contract you entered into. We do not know the terms of your contract.
    You can cancel the D/D with your bank at any time but the originator might take action against you to recover their money.
  • innovate wrote: »
    The DD guarantee applies if the bank or the payee company made an error.


    http://www.directdebit.co.uk/DirectDebitExplained/Pages/DirectDebitGuarantee.aspx

    But from what has been written so far it seems most likley the op forgot which isn't covered.
  • Thanks to this post, I was prompted to go through my account statements and found a few doozies, but the one that surprised me was a recurring monthly payment to Boingo Wireless. I had to google it to find out what it was!

    Apparently I unwittingly signed up to a monthly membership when I was at the Lisbon Airport in April 2014. I think what really happened was I let my boyfriend at the time use my credit card to pay what he thought was a one-off charge to use the wifi for an hour or two. English is his second language, so it's possible he made a mistake.

    I called Boingo and they easily cancelled it and were willing to give me two payments back under a 60 day cancellation policy, but I think the other seven months might be a lost cause. So that's about A$83 down the drain, but at least it won't go on unchecked for another year.

    Lesson learnt... Be careful with airport WiFi services, and check your statements!
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