Expired Direct Debits

IanManc

jonesMUFCforever wrote: »

I wonder for both posters with the problem - what did your statement say about payment?
Most credit cards will state on the statement that payment xyz will be taken by d/d on 123 date.
If your statement does state this I think you will have a very strong case to get all charges and interest refunded, but if it does not you could be stuck - just be nice when you ring them.

paul2louise wrote: »

i had a bill for my debenhams account in january. I made a purchase over christmas. I presumed that the bill would be paid as i set all my accounts with pay the balance in full. I discovered that the direct debit had expired from my lloyds bank account. I have incurred late payment, non payment and interest charges. Debenhams have been kind and removed the charges after I spoke to them.
i am posting this as this has never happened before and i wasnt aware that direct debits expire. Is this a security thing or something that some or all banks do.
Obviously i wont let this happen again, but i have had store cards over the years that i only use infrequently. I just think it would be useful that an expiring direct debit could flag up and ask for renewal. I suppose this is to much to expect from the banks

They did remove the charges. The opening post says so.

paul2louise

IanManc wrote: »

They did remove the charges. The opening post says so.

Exactly, i posted this as i had resolved the issue but wondered if this had heppend to other people before. Just thought that like most things that expire, you get some warning like credit and debit cards

eddddy

In my experience, credit card companies are very familiar with this issue.

For example, Amex recently phoned me to explain that it had happened, asked for my consent to renew to the DD, and assured me that I would not be charged any fees.

(But conversely, nobody at the firm that handles toll payments for the Dartford Crossing had ever heard of lapsing direct debits, and refused to believe that it could happen, and had no process in place for dealing with it.)

jonesMUFCforever

IanManc wrote: »

They did remove the charges. The opening post says so.

I know that but I did wonder whether the statement stated the method of payment - OP can you please tell us?

tel_

I am assuming the DVLA is an 'active' DD payment, even if you pay your road fund licence annually? The only problem is, I want to move my DVLA DD to a different bank (not using the switch service), but don't think it can be done, as the DVLA's website says you have to get in touch with your bank to change it. Isn't this a bit odd, as it's usually the organisation that you pay the DD to, that you have to get in touch with?

paul2louise

jonesMUFCforever wrote: »

I know that but I did wonder whether the statement stated the method of payment - OP can you please tell us?

I had only glanced at the statement as I always pay the balance in full so didn't notice if it mentioned the direct debit. I can't remember now what it said on the statement sorry.

sheramber

tel_ wrote: »

I am assuming the DVLA is an 'active' DD payment, even if you pay your road fund licence annually? The only problem is, I want to move my DVLA DD to a different bank (not using the switch service), but don't think it can be done, as the DVLA's website says you have to get in touch with your bank to change it. Isn't this a bit odd, as it's usually the organisation that you pay the DD to, that you have to get in touch with?

Have you asked the second bank about switching just the direct debit?

When you want to change the account your Direct Debit is taken from you can either:

ask your new bank or building society to move your Direct Debits from your old account
change to another account you already have

You can also change to paying by credit or debit card.
Switching bank or building society

Most UK banks can move Direct Debits from your old bank account to your new one.

You do not need to tell DVLA or do anything else.
Move your Direct Debit to an account you already have

Your bank might be able to move a Direct Debit from one of your accounts to another if both accounts are with them - check with your bank.

Contact DVLA if your bank cannot move the Direct Debit to your new account or the 2 accounts are with different banks.
https://www.gov.uk/vehicle-tax-direct-debit/change-accounts

paul2louise

Ok I have found all the statements.
I made a purchase in Jan and the balance on the statement was £15.50 on Jan statement.
On this statement is states
'Your direct debit of £15.50 excluding any overlimit amount due will be taken on or immediately after 21st Feb 2019

Then the Feb statement comes on 25th Feb
Your account has been suspended.
You missed last month's contractual min payment
£15.50 + £0.64 interest + £24.00 default fees
New balance £40.14

Attached was a separate letter with a breakdown of the £24 charges
£12 late payment fee
£12 returned payment fee


Then after sorting it out and paying manually the £15.50
I had the interest and charges reversed.

I hope this clarifies things

KittenChops

tel_ wrote: »

I am assuming the DVLA is an 'active' DD payment, even if you pay your road fund licence annually? The only problem is, I want to move my DVLA DD to a different bank (not using the switch service), but don't think it can be done, as the DVLA's website says you have to get in touch with your bank to change it. Isn't this a bit odd, as it's usually the organisation that you pay the DD to, that you have to get in touch with?

I changed mine last month as had opened a new bank account but was not using the switching service. I called the DVLA, I think that's the only way to do it. (I assumed that the info on the DVLA website, as posted by sheramber earlier, relates to using the switching service.)