DD cancelled but bank paid out and charged

grumbler

innovate wrote: »

Though no doubt he will come along now and re-define what he means by "explicit".

I am happy to hear that the word "explicit" is now the only reason for calling "absolute rubbish" everything said in my first post in this thread.

Hazzanet

agrinnall wrote: »

Can anyone tell me whether when the cancellation is done there is an advice passed back to the originator?

It appears on the ADDACS report produced the next working day.

[Deleted User]

Hi,

OP, here's the DD guarantee, which all banks should adhere to, scroll down to bottom.

Says should get immediate refund, so contact your bank.

Hominu

To be honest, even if you didn't cancel the DD, you should have a cooling off period before another year comes into effect.

agrinnall

Hazzanet wrote: »

It appears on the ADDACS report produced the next working day.

But presumably that's for internal bank use, how does the organisation that requests payment via the DD find out that it's been cancelled?

YorkshireBoy

agrinnall wrote: »

But presumably that's for internal bank use, how does the organisation that requests payment via the DD find out that it's been cancelled?

It's sent (or made available to) to the originator...


http://www.bacs.co.uk/Bacs/Businesses/DirectDebit/Services/Pages/ADDACS.aspx

Hazzanet

agrinnall wrote: »

But presumably that's for internal bank use, how does the organisation that requests payment via the DD find out that it's been cancelled?

The ADDACS is supplied to the Service User (Originator) so that they can update their records.

I get mine back in XML so the records look like this:

<MessagingAdvice user-number="999999" record-type="A" effective-date="2014-01-28" reference="1234567890ABCDEFGH" payer-name="F J BLOGGS" payer-account-number="98765432" payer-sort-code="112233" reason-code="1" aosn="00000000"></MessagingAdvice>

In this heavily DPA sanitised record, the reason code is 1; this means that the payer cancelled the DDI with their bank.

Hazza

igaveupnowimback

Thanks all, work commitments mean unable pursue until tomorrow or even Friday. Appreciate all replies and assistance.

chambta

I work in a bank and I'm with Grumbler.

We'd have had that money put back in their account immediately as the company has no automatic right to reinstate a cancelled D/D.

ashnojutsu

innovate wrote: »

Absolute rubbish.

It is perfectly legit for companies to collate varying amounts by DD, without the account holder having to create a new DD mandate when the amount changes.

As always, it is the terms and conditions of the service you subscribed to. If they say that amendments can be made by giving sufficient notice, and if the notice is clear, then there is no need to create another DD authorisation.

AHAHAHAHA. So you are saying that if a customer cancels a DD with their bank, (whether or not the contract between the customer and the company being paid has been cancelled) the company is ALLOWED to create a NEW DD mandate and take out funds from the customer's account without the customer permission at the date of the current request?

Not "different amounts on an existing DD mandate" but a whole NEW DD mandate WITHOUT the customer's permission? Seriously? I have no idea what planet you are living on, but hopefully they don't have banks on it.