Charged for early direct debit

dunstonh

Will also write a letter to HSBC explaining my position and using points raised above requesting that the charges be reversed. Not sure how receptive they will be.

If you show them your last statement from BT that states the direct debit date is the 25th then they should refund. If it says the date it was taken then they are unlikely to.

Neillgb

Maddogjones wrote: »

Hello all and Thanks for all the replies.

I have Checked the dates on the direct debit mandate and it is setup to be taken on (or after) the 25th. I've not had any notice of any changes.

I telephoned BT on Monday to complain. I was offered a couple of excuses by the customer service rep but she was more interested in me making a payment as the DD was rejected. I declined to make payment until the 25th. I know, a bit childish but they've messed me about.

After further reading on the directdebit.co.uk web site, under the Incorrect payments section, It says:

If a Direct Debit payment has been taken which is not in accordance with the advance notice received i.e. too much has been taken or the payment has been taken on the wrong date you are entitled to an immediate refund of the amount debited from your bank under the Direct Debit Guarantee. If the payment due date falls at a weekend or on a bank holiday the organisation is obliged to debit your account just after the due date, not before, unless they notify you in advance of a change of date.

To request a refund under the Direct Debit Guarantee, contact your bank in person at the branch, by phone or write to them.

I will complain in writing to BT for not sticking to the DD guarantee and mention that I've not had any notice of any changes.

Will also write a letter to HSBC explaining my position and using points raised above requesting that the charges be reversed. Not sure how receptive they will be.

I'll post the outcome.

Thanks again for you suggestions folks

MDJ

Exactly the same happened to me.

Resulted in me going overdrawn and receiving Bank overdraft charges.

Upon complaing by phone to BT they agreed to pay my Bank charges,by way of credit, and that BT themselves would make no charges for late/non payment.