Direct Debit Guarantee question

agrinnall

martmonk wrote: »

"If indeed they really have" - can you explain? The payment was taken early, the agreement is to take the following working day when the payment date is a non-working day, not the previous one. Where does the doubt come from?

Is that actually what it says in the NUFC T&Cs? You don't seem to have ever directly answered the question YorkshireBoy asked in post #8.

martmonk

agrinnall wrote: »

Is that actually what it says in the NUFC T&Cs? You don't seem to have ever directly answered the question YorkshireBoy asked in post #8.

Yes.

And see post 9

YorkshireBoy

martmonk wrote: »

I did leave the payment as it is, as I mentioned above I asked why it had been taken early.

So they never asked you if you wanted to invoke your rights under the direct debit guarantee? They just went ahead and did it?


That's pretty unusual if many of the posts on here are anything to go by. Generally people seem to be fobbed off by their banks and told to speak to the DD originator themselves.

colsten

martmonk wrote: »

I did leave the payment as it is

By 'leaving the payment as is', I meant you shouldn't have written a letter to the bank, which resulted a refund of the payment that had been taken on a Friday instead of on a Monday, and that had caused you no financial problems.

You created an entirely unnecessary complexity, incl. extra work for someone in the bank. It may well still turn into a mess as NUFC might tell the bank that the payment was justified, and take it again. Or they might cancel the DD.

None of that will have ensured that NUFC won't in future take payments on a Friday if the 1st is a Saturday. Although, as already mentioned, it seems very unusual that DD payments are taken a day early. Don't suppose your bank is Natwest?

colsten

If your bank is Natwest, this might be of interest: https://supportcentre.natwest.com/app/answers/detail/a_id/2305/~/it-is-the-weekend,-why-do-i-have-less-money-than-i-should-have%3F

AFAIK, they, and RBS/Ulster, are the only ones with this issue.

martmonk

colsten wrote: »

By 'leaving the payment as is', I meant you shouldn't have written a letter to the bank, which resulted a refund of the payment that had been taken on a Friday instead of on a Monday, and that had caused you no financial problems.

You created an entirely unnecessary complexity, incl. extra work for someone in the bank. It may well still turn into a mess as NUFC might tell the bank that the payment was justified, and take it again. Or they might cancel the DD.

None of that will have ensured that NUFC won't in future take payments on a Friday if the 1st is a Saturday. Although, as already mentioned, it seems very unusual that DD payments are taken a day early. Don't suppose your bank is Natwest?

What I could have or should have done is irellevant, I did what I did and was clear on that in the OP. The question I posed was answered in the first few replies and I thank the posters for that.
I suffered no financial pain but that doesn't mean I shouldn't complain, an error was made and I highlighted it. If I have to make a card payment to NUFC then I will do, if they make it more complex then so be it, maybe it'll help them iron out the issue and provide redress to those who did suffer financially - I know from speaking to those around me at last weeks game that those on the DD scheme also had payments taken early.
It's unusual as it was a mistake, which, as I say, the club have said was a human error.
My bank is TSB.

Thanks again all for the contributions.

agrinnall

martmonk wrote: »

Yes.

And see post 9

Ok I see now. Making a change in a quote and not marking what the change was is easily missed.

GingerFurball_2

If I was the club I'd cancel your season ticket and resell it seeing as you're dodging payment.

Why are you still buying season tickets anyway with that fat !!!! in charge?

jonesMUFCforever

Yes indeed the OP could find his season ticket cancelled due to jumping the gun.
What a relief for him judging the start to the season they have had.

Did I mention thanks to 2 own goals in 2 games we have maximum points with no goals conceded despite not having a so called goalkeeperLOL

Koa

YorkshireBoy wrote: »

Just a thought...the 1st August was a Saturday. What does your direct debit instruction confirmation letter say when the 1st of the month falls on a non-working day?

Many (most?) will say "on the 1st of the month or the next working day".

Some may say "if the 1st is a non-working day then payment will be taken on the previous working day".

So what was your agreement/arrangement with NUFC?

Under the terms of the DD scheme, collection must be made either on the collection day specified or within 3 working days after said date.

It may not be collected before specified date.

A conditional collection date, such as that you propose, is not acceptable either.