Old direct debits

Elzieesc

Good morning
Please can anyone give me some advice. I have been trying to sort my partners finances out before we move in together.
Looking at his bank statements he has been paying 3 direct debits out every month totalling £77 in total to it looks like credit file agencies. I only have statements back to 2014 but he could have been paying them for much longer.
I have cancelled the direct debits now but my question is whether he can reclaim any of these charges back at all as he is unaware of even setting them up.

paragon909

Elzieesc wrote: »

Good morning
Please can anyone give me some advice. I have been trying to sort my partners finances out before we move in together.
Looking at his bank statements he has been paying 3 direct debits out every month totalling £77 in total to it looks like credit file agencies. I only have statements back to 2014 but he could have been paying them for much longer.
I have cancelled the direct debits now but my question is whether he can reclaim any of these charges back at all as he is unaware of even setting them up.

If they were set up fraudulently or the subscription was cancelled by the person whos account was debited then you can submit a direct debit indemnity claim, but you need to contact the bank.

DCFC79

Or they weren't setup fraudulently and the partner didn't realise it was a monthly subscription or didn't read what he was signing up for eg he signed up for a trial subscription.

Elzieesc

That's great. So if he signed up thinking it was a free trial I can ask his bank for a direct debit indemnity claim form?
Thanks for the advice.

Chino

Elzieesc wrote: »

I have cancelled the direct debits now

Has your partner also cancelled his subscriptions with the credit file agencies, or have you just cancelled the direct debits on his current account?

Elzieesc

Hiya no just with the bank.
The references are rewards now, credit expert and high credit score.
Should I contact the companies??

agrinnall

So he didn't notice £77 going out of his account for an unknown period of time? I'm not sure that he really deserves to get any money back.

Yorkshire_Pud

Elzieesc wrote: »

Hiya no just with the bank.
The references are rewards now, credit expert and high credit score.
Should I contact the companies??

Of course you should contact the companies or your partner will be in default which could affect his er credit rating. Your partners contract is with the companies whether you choose to pay them or not!

A free monthly subscription usually has a condition that if not cancelled within the 30 days then a recurring payment will be taken by DD.

Its a way for companies selling crap to hook you in and then keep you paying for a product or service that is fairly valueless but expensive like little micro bags of nuts and seeds for lunch every day.

Elzieesc

No agrinnal he didn't! This is a man who doesn't even open his post! I'm not asking for your opinion of that just some advice on whether I can do anything or not to reclaim the money, it doesn't matter if we can't I was just enquiring.

Elzieesc

Ok I have the details for rewards now and credit export but I can't find a thing for high credit score so I can't contact them. Will get in touch with the other two. Thanks for the good advice everyone

jonesMUFCforever

IMO he cannot expect to get any money back.
It is not the payee's fault if he does not even open his post (and probably does not read T&C's of trials he subscribed to).