Bank Account Switch - DDR Failed - Extra Charge incurred

Hodderauthor

Hi,

I recently switched bank accounts, from Halifax to Santander. Everything has gone through fine, with the exception of one direct debit to my mobile phone operator EE. The EE DDR should have gone through on the day of the switch, but didn't. I left it for a week to see if eventually went through, but it didn't.

So I called EE and they confirmed that they had the correct (new) bank details and had claimed the DDR under those new details, but they saw that payment had not been received.

In order to pay the bill, I paid by debit card, for which I've incurred an extra charge of £3.51 (inc VAT).

EE had been correctly collecting money by DDR for over three years, so I feel this is a switching problem, rather than an EE problem. So, can I claim my £3.51 charge back from the bank, and if so - which one: Halifax (who I've left) or Santander (whom I'm now with.)

Many thanks.

GingerBob_3

Hodderauthor wrote: »

Hi,

I recently switched bank accounts, from Halifax to Santander. Everything has gone through fine, with the exception of one direct debit to my mobile phone operator EE. The EE DDR should have gone through on the day of the switch, but didn't. I left it for a week to see if eventually went through, but it didn't.

So I called EE and they confirmed that they had the correct (new) bank details and had claimed the DDR under those new details, but they saw that payment had not been received.

In order to pay the bill, I paid by debit card, for which I've incurred an extra charge of £3.51 (inc VAT).

EE had been correctly collecting money by DDR for over three years, so I feel this is a switching problem, rather than an EE problem. So, can I claim my £3.51 charge back from the bank, and if so - which one: Halifax (who I've left) or Santander (whom I'm now with.)

Many thanks.

You better check that EE haven't blacklisted you at one or more credit reference agencies.

colsten

You need to raise the issue with Santander as your switch guarantee is with them.

Hodderauthor

Gingerbob - I should be OK with EE because I paid the bill directly with them by debit card, so I don't owe them anything, and they confirmed I wasn't late in paying.

Thanks, coulston. I wasn't sure which bank the guarantee came from.

SnowTiger

Hodderauthor wrote: »

Hi,

I recently switched bank accounts, from Halifax to Santander. Everything has gone through fine, with the exception of one direct debit to my mobile phone operator EE. The EE DDR should have gone through on the day of the switch, but didn't. I left it for a week to see if eventually went through, but it didn't.

So I called EE and they confirmed that they had the correct (new) bank details and had claimed the DDR under those new details, but they saw that payment had not been received.

In order to pay the bill, I paid by debit card, for which I've incurred an extra charge of £3.51 (inc VAT).

EE had been correctly collecting money by DDR for over three years, so I feel this is a switching problem, rather than an EE problem. So, can I claim my £3.51 charge back from the bank, and if so - which one: Halifax (who I've left) or Santander (whom I'm now with.)

A similar thing happened to me when I switched my main account from Santander to Tesco. The missed payment was for my Santander 123 credit card.

Fortunately I noticed within days and made the £23 payment by debit card. However, Santander (credit card) did slap me with a £12 late fee, but don't appear to have reported it to the CRAs - probably because payment was received by them before the next statement was produced.

The Switching Guarantee is made by the bank you switch to. In your case Santander. They should refund £3.51 back to you.

There does appear to be a bit of a glitch with Direct Debits that happen on or around the switching date.