(Late) Direct debits - Liverpool Victoria

veryintrigued

Anyone else had any LV DDs taken a week later than normal?

I thought the DD guarantee meant that payments should always get taken on the same day (if a non working day).

Normally mine get taken on the 1st - this month the 9th.

Hazzanet

They're allowed to claim up to three working days after the date on your Advance Notice, if they need to claim later, they are required to furnish you with a new Advance Notice.

veryintrigued

Hazzanet wrote: »

They're allowed to claim up to three working days after the date on your Advance Notice, if they need to claim later, they are required to furnish you with a new Advance Notice.

Many thanks - looks as if they have been a bit naughty here then

cifpower

They took it 8 days later. I am always fine if companies take money later. Its when its early I get annoyed. After all, if they take it late the money is sitting in the account anyway.

veryintrigued

cifpower wrote: »

They took it 8 days later.

Yep - against the DD guarantee:

[If there are any changes to the amount, date or frequency of your Direct Debit the organisation will notify you (normally 10 working days) in advance of your account being debited or as otherwise agreed. If you request the organisation to collect a payment, confirmation of the amount and date will be given to you at the time of the request]

cifpower wrote: »

Its when its early I get annoyed.

Rightly so - they will have broken the guarantee as above.

cifpower wrote: »

After all, if they take it late the money is sitting in the account anyway.

Nonsense - if you assume that the guarantee has been followed you may have assumed that the amount would have been taken out on the 2nd and therefore budgeted on this guarantee from this point.

I always check that the first few DDs of someone new are successful. But after 15 years I would assume that they had sort of cracked it!

veryintrigued

Upadte here - appears I wasnt alone. A 'System problem' meant that a whole load of customers DDs werent collected on the 1st but a week later.

Apparently the issue is fixed now.

colsten

veryintrigued wrote: »

Nonsense - if you assume that the guarantee has been followed you may have assumed that the amount would have been taken out on the 2nd and therefore budgeted on this guarantee from this point.

Nonsense is to assume money has left your account instead of checking whether it has left. It does seem you have checked, anyway, as you noticed the delay.

veryintrigued

colsten wrote: »

Nonsense is to assume money has left your account instead of checking whether it has left. It does seem you have checked, anyway, as you noticed the delay.

As I said, after 15 years of being taken successfully on a certain day (or the first working day after) I was lulled into a false sense of security.

I only spotted it because it was taken on such a weird date.

Having to check DDs have been taken (on the correct date) after 15 years should be nonsensical!!

colsten

As you have just experienced, the past is no guarantee for the future, or even the present. To assume anything different is nonsensical.

veryintrigued

You know those times when you just wish you hadnt bothered raising the issue in the first place?

This'll be yet another of them.

jonesMUFCforever

Why not activate the direct debit indemnity?

Mind if you do they might cancel the policy but at least you will have made your point.