Direct Debits Not Being Paid Following Switch

ordnancesurvey84

Many thanks for your responses! There seem to be some mixed views on whether or not the direct debit is seamlessly redirected by the closed bank to the new bank or whether the utility company has to manually update their records after being notified. I suspect the fault lies with NatWest purely because four out of five utility companies so far claim not to have been told about my new bank details, and indeed my direct debit payment to TPO actually failed, so there was no redirecting going on!
I've done some googling, and apparently there should be no impact on my credit score - as my outstanding bill to TPO was paid within 30 days - is this right?

Westie983

I would speak to Natwest if you have used CASS, as they are the ones that you speak to now, not your old closed account. The redirection used to be 13 months and its now three years.

You are correct that if the companies asked the old bank for the money and its it claimed from the new account as part of the redirection.

You need to speak to Natwest and you shouldn't have to contact the companies yourself but it can be quicker to do so, but still speak to Natwest as they have the guarantee to protect you.

I am a little confused though as if your phone company asked for payment from your old bank as they didnt know about your new account details why it failed as they would have taken the funds from Natwest, the only way this may not happen is if you did a partial switch to Natwest and this doesn't use CASS.

Speak to Natwest and quote the guarantee already quoted below.

Westie983

ordnancesurvey84

Many thanks for your advice. I'll do that!