Unauthorised Direct Debit

Mikeyorks

Biggles wrote: »

But that's only if BT has contravened the DD guarantee. If, as seems likely, the OP has authorised it (either without remembering or without realising), Citibank can't do anything.

The original post is quite rational ..... as are all his subsequent posts on this thread? So how would you derive from that that he has somehow blanked out the fact that he authorised the mandate that's clearly in place ..... when he has stated very clearly in all his 3 posts that is not the case.

And, as he has had no communication re dates / amounts from BT vis a vis Direct Debit ..... that alone triggers the Guarantee - which he should do via Citibank

PJHilder

Ok no response so far from Citibank. I've cancelled the direct debit online as well. I noticed when I clicked on "View Record" for this DD my debit card was listed which seems a little odd unless they did use my last online payment details to set up the DD.

millymollymandy2K7

You should go to your bank and request an indemnity claim for the amount that was incorrectly collected from you account. You can only claim for the whole amount, not part if say they collected £20 instead of £15 you would have to request the £20 be returned and not just the extra £5. The bank have to refund this to you so if they are reluctant insist upon it as sometimes the banks will try to put you off to save on their paperwork. They should arrange and immediate refund and will then contact BT to request BT refund them. This will then have the effect of BT contacting you regarding payment if in fact it is money you are due to them ie. if it is amount you are owe to BT they will stil expect you to pay it. Also if you have incurred bank charges due to this DD causing your account to be overdrawn, send BT a copy of your statement showing the charges and proof that it was due to their incorrect DD abd request they reimburse you. You may find the following useful http://www.financevictims.co.uk/direct-debits/official-line.htm Direct Debit Guarantee - Under the rules of the Direct Debit Scheme, should any money be taken in error, then the customer's bank or building society must, on request, make an immediate refund to the customer's account. This is the Direct Debit Guarantee. This covers situations where the originator has not given the required advance notice regarding a change of amount or date. It also protects customers should an incorrect amount be debited or if a debit occurs earlier than the specified, agreed date, or in error

YorkshireBoy

millymollymandy2K7 wrote: »

You should go to your bank and request an indemnity claim

Sorry to be a pedant, but the customer requests a claim under the DD guarantee.

They (the bank)...will then contact BT to request BT refund them.

This is the DD indemnity claim (an arrangement between the bank and the DD originator).

millymollymandy2K7

Sorry my grammar is obviously very incorrect, Should ask bank to raise an indemnity claim. Is that better? lol. Must say though I never had any bother before when advising customers to go to bank and ask for indemnity claim when I worked in customer accounts and errors had been made, or claimed to be made, with Direct debits.

PJHilder

Thanks for all your help. Will get onto both Citibank and BT.

Homework

When I set up my direct debit they took the details over the phone and then sent me a direct debit form telling me the details. I didn't have to send anything back.

Did they by any chance take your details when they said they would send the form? I'm curious as to how they did it if you never told them your account numbers.

PJHilder

Homework wrote: »

When I set up my direct debit they took the details over the phone and then sent me a direct debit form telling me the details. I didn't have to send anything back.

Did they by any chance take your details when they said they would send the form? I'm curious as to how they did it if you never told them your account numbers.

I don't recall giving them any bank details when I set the line up. They still sent me the monthly payment plan letters anyway. On the letters it asked for a signature so of course I didn't sign them and assumed that would be the end of it. My last bill even had the 'charges' for not using direct debit. :rolleyes:

Anyway, Citibank have refunded one of the debits but not the other so I've messaged them about that as well.