Direct Debit law

Time_for_a_new_start

Hi

I was made redundant last year followed up with a difficult time with depression which I am now over with.

I had a good pay off and made regular payments to my direct debits but noticed that I had a letter from one Credit Card saying I was five months in arrears. When I complained they said they had cancelled my direct debit as I had missed a couple of earlier payments.

I looked through all the terms and conditions of the card and no where is this process mentioned - I can't find any reference to this or the law surrounding it nor can I find a lawyer who will advise me on this. The only thing I can find about cancelling direct debits is when it's a consumer cancelling it and the direct debit guarantee.

They also tell me they wrote to tell me about this earlier last year but I didn't receive the letter - I have a process of scanning every letter I have when I receive it so would not have missed it.

What rights do I have - I've exhausted their complaints process and am a bit wary of the Financial Ombudsman.

Thanks

[Deleted User]

Why are you wary of FOS? They're consumer oriented and the only place you can escalate your complaint to.

PRAISETHESUN

Escalate your complaint to the FOS - this is a free service where they can arbitrate on your behalf and potentially get you a better outcome than you already have - absolutely nothing to lose here

PixelPound

DDG is all about payments taken when not auth or refunds given in error, not cancelling DD.

DD can be cancelled by either party, what's the creditors agreement regarding arrears. You've missed payments, so not kept to the agreement, I assume they informed you of the missed payments and you did not address it? I realise mental health state may be a factor in why you didn't contact them, but if they are unaware of your health or financial status, then they follow whatever normal business practices they use.