Double DD and indemnity claim

calleyw

Back story I was with Sainburys energy which is British Gas. A week or do ago they said the DD would taken on the 8th April. Which has happened. But Sainsbury have transferred all customers over BG.



I have logged in to bank account to find that today that sainsburys trading as BG have taken a payment and BG have taken a first DD payment as well. Which I was not expecting and not budgeted for.



I have spoken to BG and the customer service advisor said for me to make an indemnity claim to get one of the payments back quicker than if I do a DD reversal. Is that correct and will it cause any problems?


Yours


Calley x

YorkshireBoy

I'm assuming we're talking about a £40-80 monthly DD here?

I wouldn't make a DD guarantee* claim personally (unless you literally couldn't feed yourself/your family this month without it!), because you may finish up with an inadvertent negative marker on your CRA files. Yes it will be inaccurate, and therefore be removed, but why risk creating pressure/workload/hassle? I'd wait for them to refund it, which they can do as they have your bank details.


* You're using the DD guarantee. Your bank will use the DD Indemnity scheme, not you.

phillw

calleyw wrote: »

I have spoken to BG and the customer service advisor said for me to make an indemnity claim to get one of the payments back quicker than if I do a DD reversal. Is that correct and will it cause any problems?

Yes that is correct, I had a similar problem when outfox the market took a DD a week after I'd left. It didn't cause me any problems at all. However that was because my contract had ended with out fox the market and I was in credit

If the sainsburys one was taken while the account was still active and BG took a direct debit after they'd transferred the account then it will come down to whether they gave you notice of those two payments.

I believe when you do a DD indemnity that they cancel the existing DD, so it would make more sense to do sainsburys.