Switching to Co-Operative bank account from Halifax

The_Boss

YorkshireBoy wrote: »

Are the DDIs showing up at Co-op? They should have been there nearly a week ago.

Who's the DD originator? Is it Halifax for one of their credit cards?

Yes, they are showing in the Co-Op account under planned payments (including the Halifax one).

The credit card in question is a Halifax Clarity Card so one of their own.

YorkshireBoy

The_Boss wrote: »

Yes, they are showing in the Co-Op account under planned payments (including the Halifax one).

The credit card in question is a Halifax Clarity Card so one of their own.

I think you're worrying unnecessarily. You switched 4 DDs. 4 DDs are showing at Co-op. You'll get your £150.

I'd be more worried about the upcoming Clarity payment, if indeed one is due to be collected? As such, I'd probably pay manually the working day before the DD collection date. If money is tight, and/or you have a large balance on there, maybe just make the minimum payment this way.

The_Boss

YorkshireBoy wrote: »

I think you're worrying unnecessarily. You switched 4 DDs. 4 DDs are showing at Co-op. You'll get your £150.

I'd be more worried about the upcoming Clarity payment, if indeed one is due to be collected? As such, I'd probably pay manually the working day before the DD collection date. If money is tight, and/or you have a large balance on there, maybe just make the minimum payment this way.

Thanks - yes, the Clarity payment should have been collected in early September and would have been had I not switched. Is the Direct Debit guarantee not supposed to protect switchers from this though?

YorkshireBoy

The_Boss wrote: »

Thanks - yes, the Clarity payment should have been collected in early September and would have been had I not switched. Is the Direct Debit guarantee not supposed to protect switchers from this though?

No, the Current Account Switch Service (CASS) is "supposed to protect switchers from this". Have you read it?

In your case, the Co-op are entirely responsible for correcting errors, reimbursing any costs incurred, and correcting/removing (with the help of Halifax here) any 'black marks' on your credit files.