Reversed Direct Debit

laurenzo99

I recently opened a RBS student credit card and set up a direct debit to pay it off in full each month.

This is the first month that a payment has been due (due today) and the full direct decite amount left my current accoun on the 15th. Today i logged on to find that this has been reversed "payment reversed" is on statement so no money has been payed off.

Does anyone know what causes a direct debit reversal- i definatly had enough funds in the account to pay it off.

Also will i be charged now that i havent made the minimum payment- even though i did but they stopped it?

Hope ypu can help, thanks

jonesMUFCforever

It looks like the card services part of the bank did not register the D/D mandate up with the part of the bank running your bank account.

Before you go and complain (and you need to get it sorted) are you sure that you had enough ''cleared'' funds on your account to make the payment?

laurenzo99

Yes i definatly, without a doubt had enough funds! I'd purposly only used it for one item so that i could check that the direct debit was set up correctly before i started using it properly.

I paid it off manually but it said this may not reach the card for 3 days, also online banking takes around 3 working days to update so i dont know what the final status of everthing is.

When i opened the card i was FORCED to connect it with my debit card so that the minimum payment was taken. I then set it up to have the full payment taken as didnt want to faff around having to pay off the extra manually each month.

I wont be able to talk to RBS until friday. do u think the minimum payment will have been taken, even through full amount was reversed- there have been no direct debits left my debit card account.

jonesMUFCforever

No. If the D/D was reversed that will be the end of it unless you pay manually.

What would concern me is that the credit card side might charge you for an unpaid D/D as well as for a late payment.

If you have time to come and post on here I would respectfully suggest that you have time to pick up the phone.