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Dentist asking for payment from September 2015
Comments
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Indeed it did give off that impression. Sounded like OP was waiting for the response from the dentist BEFORE contacting the old bank.Greta_Sharbo wrote: »Fair enough - one of your previous posts gave the impression you have not yet contacted bank. The bank will provide the info, might take a week or two though. Tell the dentist you are investigating and that you will be in touch again once you have gathered the info you need.
Which is why I suggested that OP get onto the old bank AS A MATTER OF URGENCY, as a Subject Access Request could take up to 1 month to go through (if they comply).
God knows what the dentist will initiate in that timeframe... Given OP framed it like they were waiting for a reply from dentist, the next response from dentist could be a letter from small claims court....0 -
OP there's a basic misunderstanding of how banking works that could be crucial.
Standing orders is like you sending a cheque once per month.
Direct debits is them taking money from your account once per month.
You initiate and terminate the S/O on your own. The dentist has nothing to do with it.
I suspect you stopped the S/O probably accidentally in September/October and still owe one outstanding payment.0 -
Indeed it did give off that impression. Sounded like OP was waiting for the response from the dentist BEFORE contacting the old bank.
Which is why I suggested that OP get onto the old bank AS A MATTER OF URGENCY, as a Subject Access Request could take up to 1 month to go through (if they comply).
God knows what the dentist will initiate in that timeframe... Given OP framed it like they were waiting for a reply from dentist, the next response from dentist could be a letter from small claims court....
No obviously I contacted the dentist and they are happy to go back through their records again and to wait until I can get my records.OP there's a basic misunderstanding of how banking works that could be crucial.
Standing orders is like you sending a cheque once per month.
Direct debits is them taking money from your account once per month.
You initiate and terminate the S/O on your own. The dentist has nothing to do with it.
I suspect you stopped the S/O probably accidentally in September/October and still owe one outstanding payment.
How could I have accidentally stopped a S/O?Rational judgement, now, at this very moment.
Virtuous action, now, at this very moment.
(Wisdom, Courage, Self-control, Justice)
Willing acceptance - now, at this very moment - of what you can’t change0 -
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Sorry can't be bothered to go back but I think I read that you closed the account in December. As you don't have much paperwork perhaps you were mistaken as to which month?0
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Sorry can't be bothered to go back but I think I read that you closed the account in December. As you don't have much paperwork perhaps you were mistaken as to which month?
No it was December as I transferred banks and that was when the new account was opened.Rational judgement, now, at this very moment.
Virtuous action, now, at this very moment.
(Wisdom, Courage, Self-control, Justice)
Willing acceptance - now, at this very moment - of what you can’t change0 -
Well,
1) when did you cease the standing order?
2) When you switched did you use the switching service or do it all manually?
The bank switch service would have transferred all the S/Os automatically. So if the dentist S/O wasn't on your new account in December, then you must have cancelled it prior.0 -
Well,
1) when did you cease the standing order?
2) When you switched did you use the switching service or do it all manually?
The bank switch service would have transferred all the S/Os automatically. So if the dentist S/O wasn't on your new account in December, then you must have cancelled it prior.
The S/O would have stopped in September as that was when the last payment was due. It is this last payment that they say wasn't paid.
I switched accounts in the December so it was after the last payment was due and I wouldn't have needed to transfer it.Rational judgement, now, at this very moment.
Virtuous action, now, at this very moment.
(Wisdom, Courage, Self-control, Justice)
Willing acceptance - now, at this very moment - of what you can’t change0 -
Does any of that actually matter?
Ultimately, the dentist thinks you owe money and they'll either write it off OR take you to court over it.
If they write it off then happy days (but you've got over 2 years left until you are truly out of the woods)
If they take you to court, you'll likely lose if you don't have evidence of the payment being made.
That's the bottom line. Good luck whatever develops here.0
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