Hi im new can you help me pleeease.

sonjay

I hope i can get this across properly. here goes

On 17th november 2004 I cancelled a magazine subscription at my natwest bank, it's paid once a year by DD. This year I realised I was still getting the mag ( I know it;s a long time before I noticed ). So of I go to the bank with the cancellation form. They assured me they had cancelled and said I could try contacting the company as I should be able to get compensation for this. I have done this and was told that they were not notified of a cancellation and it was the banks responsibility for any compensation.
A couple of days later I received a letter about a DD cancellation at natwest of a completely different magazine subscription. After a disscussion with my husband we realised he had subscribed to this magazine but had cancelled it about a year and a half before from the Lloyds tsb bank, and that they had some how gone into the natwest account and set up a DD without authorization. I have since contacted this company and asked for a copy of the contract I would have signed to set up this DD. The lady I spoke to said she would look for the paperwork and could she have a contact telephone number, which I gave her. Since this conversation which was Monday 20th August 2007 I have received; A CHEQUE FOR £49.50 FOR THE FIRST YEARS SUBSCRIPTION, AND A SECOND CHEQUE FOR £12.39 FOR THIS YEAR FOR WHAT WAS REMAINING ON THIS YEARS AFTER CANCELLATION. I have not received anything else from them. could anyone help. I need advice as to what I should do next
Sorry for being so long and drawn out
I have not banked any of the cheques

king100

Welcome to MSEF.

Just to clear up matters

You have all the monies owed to you, from after you cancelled your sub.

If this is correct and you have what they owe you, then you can investigate it further to see how they managed to setup the DD.

Write to them and quote the DP Act, i am not sure what you need to post them for thier admin fees. You should then receive deatils concerning your account and what records they hold.

Your bank should be able to tell you when the DD was setup, and details concerning this. I have been in the bank and have asked to look at my complete history, any and all records of conversations i have had over the phone.

Hope that helps.

bengal-stripe

If you cancel a magazine (or any other form of subscription), you do that by contacting the supplier, not the bank.

sonjay

Thanks Bengal that sorts the first out, but the second DD I never set up from natwest My husband had cancelled that from Lloyds tsb
but they some how managed to go into the natwest account and set up a DD without my knowing about it, it wasnt until I cancelled the first that I found out about it.

Beate

bengal-stripe wrote: »

If you cancel a magazine (or any other form of subscription), you do that by contacting the supplier, not the bank.

I don't think that is true, I have always cancelled DD's via my Internet banking, and it worked out fine.

bengal-stripe

Beate wrote: »

I don't think that is true, I have always cancelled DD's via my Internet banking, and it worked out fine.

You can cancel a direct debit, but that cancels only the payment, not the subscription itself.

Depending on the terms of your subscription, you might not be entitled to cancel at this point in time. Maybe you signed a contract, to get supplied for a certain length of time.

People cancel the DD to their Electricity supplier (sometimes because they haven't got enough money to cover the forthcoming debit). Does that mean, they have canceled their contract to get supplied and the utility provider should cut them off?

To cancel payment without cancelling the contract itself, seems to me a very underhanded way of doing things.

Beate

I understand what you are saying and usually it is true: by cancelling a DD you are not cancelling your contract, you are just cancelling your method of payment. However, magazine subscriptions are usually originally taken out for one year only, with an automatic renewal if you keep on paying the DD. They are banking on people forgetting about this and just paying their DD and hence renewing their subscription year after year without thinking. You have to cancel these DD's to avoid paying for another year. I have a few subscriptions where I do this every year and take out a new subscription with a better deal which is not generally available to repeat subscribers. It has always worked and I don't see what is wrong with it - no magazine has ever supplied me for free after I cancelled the DD.