NatWest

oldwiring

What about quoting the paragraph in which the term is used, and naming bank? It may help an answer. It can mean different things in different banks and circumstances.

Angel1980_2

Hi

I have a direct debit for a mobile phone from my natwest current account.
I am disputing this amount with the mobile company so therefore cancelled the dd with the bank.
The bank paid this dd after cancellation and charged me £38.
I called cancelled the dd again got my charge back.
Today i went to the bank they have repeated the above and told me I cannot authorize a cancellation of direct debit to a mobile company as it is a 12 month contract and each week this will be represented to them and they will allow this to go through charging me £38 each time.

Please advise if this is correct as I have now had to close the account £38 pound out of pocket as this is apparently the only way I can stop the company requestingt he direct debit.

Please help I have no current account now.

lindilou39

Angel1980 wrote: »

Hi

I have a direct debit for a mobile phone from my natwest current account.
I am disputing this amount with the mobile company so therefore cancelled the dd with the bank.
The bank paid this dd after cancellation and charged me £38.
I called cancelled the dd again got my charge back.
Today i went to the bank they have repeated the above and told me I cannot authorize a cancellation of direct debit to a mobile company as it is a 12 month contract and each week this will be represented to them and they will allow this to go through charging me £38 each time.

Please advise if this is correct as I have now had to close the account £38 pound out of pocket as this is apparently the only way I can stop the company requestingt he direct debit.

Please help I have no current account now.

If you have set up a DD online with the mobile company, yes it leaves them open to keep collecting...you need to stop the DD with the Mobile company online by doing it online. The bank/s have no authority to stop an online agreement. It must be done your end.

Angel1980_2

Hi I set it up over the telephone, I have asked the company and the bank to cancel this but neither are doing it?

Thanks

lindilou39

I know....this can be difficult....there are certain DD,s a bank cant cancel, trust me my OH has been in a similar position... cant quite remember the term they put it under, alls I know is you have to do it with the company ...If they dont or wont comply then write to the FOS stating the facts.

Angel1980_2

Oh well if I cant cancel I did the right thing by closing my account then, I guess.

lindilou39

aye... he had to cancel his bank card and get issued a new one...that is the only answer to end it...because the company was quoting the card number in order to gain payment.

Angel1980_2

Ok thanks for your help.

They will have to get the money from me now minus the 2 bank charges they incurred along the way i reckon.

Oh well

lindilou39

Dont give up Angel, you can sort it..

k1mmie

Well had enough! Just called the CEO office and told them not happy. They took another £38 yesterday. Had £6.?? in account (was expecting a credit yesterday)and a dd came through for £9.99. They bounced it and the money came through today . I called and said since my hubby has been working (for the last 13 months), we have not incurred one charge can we please have a refund as this is food money - they said tough !!!!.

SO told the CEO most unreasonable - and please tell me what is happening with my claim. Said she would call me back. watch this space! not holding out much luck though.