Unauthorised Direct Debit - time limit for refund and FSO

MobileSaver

jonesMUFCforever wrote: »

You do not seem to have any idea how the DD system works - AUDDIS the system lets big companies set up DD's without any input or checks from your bank.

Why would I, a simple bank customer, have any idea of how the DD system works in the background? Like me, I suspect 99% of MSE users have never heard of AUDDIS and have no reason to know of it and like me I suspect 99% would be shocked to hear that DDs can be set up with no checks by the bank. It makes you wonder why they bother asking for the Account Name on the DD in the first place.

PeacefulWaters wrote: »

Yes. Unauthorised transactions are covered by legislation. Direct debit refunds are merely an industry standard.

Thanks, that's the distinction I was looking for.

bigadaj

MobileSaver wrote: »

Why would I, a simple bank customer, have any idea of how the DD system works in the background? Like me, I suspect 99% of MSE users have never heard of AUDDIS and have no reason to know of it and like me I suspect 99% would be shocked to hear that DDs can be set up with no checks by the bank. It makes you wonder why they bother asking for the Account Name on the DD in the first place.

Because there was a rather famous case a few years ago whereby Jeremy clarkson published his bank account details after stating that no one could do anything with his sort code and account number.

Someone then used those details to set up a direct debit to green peace.

It was a stupid thing to do but proved a point, and clarkson appears to then have checked his bank statements, which you failed to do.

MobileSaver

bigadaj wrote: »

no one could do anything with his sort code and account number.

The fundamental difference being that the fraudsters would also know that the bank account name was almost certainly "Jeremy Clarkson."

The key point in my situation is that the DDs were not set up with my name; the average man in the street knows when they fill in a DD instruction they have to enter the account name and the average man in the street would expect the bank to check this before making any payments.

bigadaj

MobileSaver wrote: »

The fundamental difference being that the fraudsters would also know that the bank account name was almost certainly "Jeremy Clarkson."

The key point in my situation is that the DDs were not set up with my name; the average man in the street knows when they fill in a DD instruction they have to enter the account name and the average man in the street would expect the bank to check this before making any payments.

No, names aren't connected though there are suggestions they may change this.

It's made fairly well known as to why it's so important to check the sort code and account number when making any form of payment.

jonesMUFCforever

MobileSaver wrote: »

Why would I, a simple bank customer, have any idea of how the DD system works in the background? Like me, I suspect 99% of MSE users have never heard of AUDDIS and have no reason to know of it and like me I suspect 99% would be shocked to hear that DDs can be set up with no checks by the bank. It makes you wonder why they bother asking for the Account Name on the DD in the first place.



Thanks, that's the distinction I was looking for.

Still blaming others?

MobileSaver

jonesMUFCforever wrote: »

Still blaming others?

I'm to blame because someone else used my bank details?!??! :rotfl:

bigadaj

MobileSaver wrote: »

I'm to blame because someone else used my bank details?!??! :rotfl:

No, because you didn't check your bank account for months, or was it years, picking this up early would have led to a a simple remedy.

If you're not using the account then close it down.