Direct debit - set up incorrectly and money demanded years later

agrinnall

OP, if you write in paragraphs your posts will be a lot easier to read.

shaun_from_Africa

Carol,

If you are considering taking out another DD dental plan, why not ask the dentist if you can add on a percentage of the money owing to the monthly payment for the new plan until the debt is paid off.

If they agree to this, you could also ask if you could make additional irregular payments should you have any spare cash available.
Showing that you accept that the money is owed and that you are more than willing to pay it off might go a long way to them coming to an amicable agreement.

foxtrotoscar_2

Paying what you owe on the 'plan' will probably work out cheaper if they chose to pursue you for the cost outside the 'plan'....just a thought? I agree you should be given time and perhaps a small discount for paying your debt.

pendragon_arther

arcon5 wrote: »

Is what safe

Marathon Man. agrinnall got it.

carol428

Thanks to everyone who replied to me on this post. I have now received a letter from my bank stating that the direct debit was cancelled by "the orginator". But who or what is the originator?

George_Michael

The originator is the company authorised to submit DD payment applications to the banks. (in this case your dental practice or their accountant is the originator)

hcb42

I would tell them it was cancelled by them not you, and you did check. However ultimately you do owe all the money.

timbstoke

carol428 wrote: »

Thanks to everyone who replied to me on this post. I have now received a letter from my bank stating that the direct debit was cancelled by "the orginator". But who or what is the originator?

They are the originator. I'd send them a photocopy of that letter, along with a strongly worded cover note relating to the unfounded accusations they're making. Tell them that you're very disappointed that their first reaction to discovering THEIR mistake was to accuse YOU of acting in bad faith, and while you're not trying to avoid your obligation to pay, it's unreasonable to expect you to stump up such a large amount on demand. Finish by proposing a payment amount and frequency which you can afford.

somethingcorporate

Ultimately, you've had the benefit of the treatment so you do need to pay for it, regardless of where the blame lies.

On the plus side the dentist are up to their a*se in alligators here in terms of who has been at fault so you should be able to negotiate a reasonable repayment plan that suits you.