Direct Debit Help!

JLED121

Dear all,

I have held the Aqua Reward card for a year now. Recently I transferred the direct debit (full payment) via Aqua's online banking from First Direct to Lloyds. I then received a phone call today, demanding payment for a missed payment from the beginning of this month. I've settled it, and they've waived the £12, but I'm concerned about the impact that it'll have on my credit score.

Is it my fault or the banks'? I can see the payment was taken on the due date (but was then returned - which I didn't notice). I've written a letter to customer services at Aqua asking for the late payment to be removed from my credit file.

~Beanie~

When you say recently, how recently? Are you saying that they still tried to claim the DD from your First Direct account?

Aqua will need a certain amount of notice to change a direct debit so if you swapped the bank details a day or two before the DD was due, then it was your fault.

JLED121

To be honest I'm not entirely sure. But surely if I changed it too late to switch it in time it would have already started to be processed by my previous bank, First Direct?

JLED121

Oh also, when I log-in to my internet banking, both Lloyds and First-Direct have direct debits on them - so in theory Aqua could take it from either without a problem

Stevie_Palimo

You can cancel a dd your end when logged into the accounts you hold.

[Deleted User]

JLED121 wrote: »

Oh also, when I log-in to my internet banking, both Lloyds and First-Direct have direct debits on them - so in theory Aqua could take it from either without a problem

They can't choose between them - they can only follow your latest instruction.

JLED121

Okay so I phoned Lloyds and the direct debit mandate was set up several days before the payment was due, and they said there's no reason why it shouldn't have been taken.

So I can only assume that Aqua messed up. They've been pretty good so far so hopefully they'll remove the mark on my file too without fuss