Direct debit hasnt been collected for six months

Kingofnowhere

I do not accept I owe them the ammount they claim

I owe months × £8 and no fees. They will not accept this.

Posts are not allowing me to edit, I apologise

chuckley

Are they saying you owe more than 6 months?

Kingofnowhere

They are saying this, thats correcr

chuckley

are they trying to get you to buy out the contract? is it a cancellation fee? I'm confused, what have they asked for and why?

Super_Whiskey

PeacefulWaters wrote: »

You have to accept YOU have a responsibility to monitor your direct debits.

Being able to escape your obligations is unrealistic.

Your best outcome here is to negotiate a timescale to pay what you owe and get them to remove the record from your credit file.

I am playing devil's advocate here but the OP has set up a direct debit giving permission for CW/TT to take a set amount each month. Couldn't they argue that, providing the direct debit is still active, they have done what could be reasonably expected and the onus is on the company to take what is owed for the agreed amount on the agreed dates each month while taking reasonable action to contact the OP if they are unable to?

GingerBob_3

Super_Whiskey wrote: »

I am playing devil's advocate here but the OP has set up a direct debit giving permission for CW/TT to take a set amount each month. Couldn't they argue that, providing the direct debit is still active, they have done what could be reasonably expected and the onus is on the company to take what is owed for the agreed amount on the agreed dates each month while taking reasonable action to contact the OP if they are unable to?

In a word, yes.


That's the whole idea of direct debits.

masonic

Kingofnowhere wrote: »

At the start of the contract Carphone warehouse was the beneficiary. I guess it should have moved to TT however it did not.

Super_Whiskey wrote: »

I am playing devil's advocate here but the OP has set up a direct debit giving permission for CW/TT to take a set amount each month. Couldn't they argue that, providing the direct debit is still active, they have done what could be reasonably expected and the onus is on the company to take what is owed for the agreed amount on the agreed dates each month while taking reasonable action to contact the OP if they are unable to?

I don't think so, because of the quoted text above. Essentially, the contract has transferred from Carphone Warehouse to Talktalk, and it would not be within TT's power to collect money using an agreement between the OP and a different company. A new DD agreement should have been set up, but for whatever reason it wasn't.

It seems like there has been some poor handling of the transfer, which the OP should complain about, but it seems this money is genuinely owed and needs to be paid back, preferably before it gets passed on to a debt collection agency. If it would cause the OP financial hardship, then that needs to be stated and it may be possible to agree a repayment plan. But the debt and the poor customer service are two separate issues.

It seems the £300 must include penalties and late payment charges. Any complaint should seek to have some or all of these refunded if the transfer wasn't handled properly.