Direct Debit Taken Twice

YorkshireBoy

dtjones888 said:

Thrugelmir said:

The payment for the loan is due on a specific date. That's contractual. Not your choice as to when to pay it. To move the DD backwards you would need payments to be already be in advance. Suspect there's been a miscommunication. 

Of course I can choose the date on which my direct debit is taken. Not a miscommunication, more a lack of information on the banks part. I requested a move in date for the DD but they failed to informed it would take a second payment in the same month. All my other direct debits were also moved and the companies made sure that  the next payment would be take the next month. Failure from the bank

They may say you failed to ask if a second payment would be taken in March.

What you were asking for was a payment holiday, albeit of only a few days in April (which may have resulted in an AP marker on your credit file). You probably did not make this clear. Re your other DDs being amended, they're most likely different agreements. Ie with credit cards you move the statement date to move the payment due date. With utilities and council tax etc, they're not interest bearing debts so are treated differently.

As to the advice you're seeking...

1. Be clearer in your requests/expectations of financial and service providers
2. Build a cash buffer for such eventualities
3. Use a credit card when cash is tight

p00hsticks

dtjones888 said:

Of course I can choose the date on which my direct debit is taken.

You may be able to choose the date, but you can't say how that payment is applied to the debt that you owe the company - that's down to the company.  So (for example) if the company T&Cs say that it must have it's monthly payment by 2nd of the month, then you can change your direct debit to the 3rd but it will then be regarded by the company as an early payment for the following month, not the current one.

Tildaplum

As I mentioned earlier, your friend is the DD guarantee scheme. The rules say if you request a change, then "confirmation of the amount and date will be given to you at the time of the request" so you should have been informed of the date the next payment was to be taken.

https://www.directdebit.co.uk/DirectDebitExplained/pages/directdebitguarantee.aspx

jonesMUFCforever

dtjones888 said:

Thrugelmir said:

The payment for the loan is due on a specific date. That's contractual. Not your choice as to when to pay it. To move the DD backwards you would need payments to be already be in advance. Suspect there's been a miscommunication. 

Of course I can choose the date on which my direct debit is taken. Not a miscommunication, more a lack of information on the banks part. I requested a move in date for the DD but they failed to informed it would take a second payment in the same month. All my other direct debits were also moved and the companies made sure that  the next payment would be take the next month. Failure from the bank

Sir you are very wrong and Thrugelmir is 100% correct.
You should have read the terms and conditions of the loan before signing the contract.

dcs34

Thrugelmir said:

Direct debits are set-up at least 10 days before the due. Impossible to pull them in the intervening period as are batched processing. The matter will self correct as the funds will bounced back to your account in due course. 

Thanks, any idea how long it might take? Direct Debit was taken on the 3rd.

dtjones888

Sir you are very wrong and Thrugelmir is 100% correct. You should have read the terms and conditions of the loan before signing the contract.

Of course am able to change the direct debit date, otherwise they wouldn't allow it. The direct debit guarantee states that i am able to change it. It also states that any changes to the payment frequency and amount needs to be instructed to me prior to the payment being taken. 

If you were correct Nattiest wouldn't have apologised unreservedly and issues me with a £100 goodwill payment as well as shifting the payment to my requested date and wavering the need for a second payment. 

They did advise that should I wish to move the payment date again, I should call them AFTER that date in the month prior to the one I wish to make the change. 

So based on this I disagree wholeheartedly and wish to inform you that you are incorrect. 

eskbanker

dtjones888 said:
Of course am able to change the direct debit date, otherwise they wouldn't allow it. The direct debit guarantee states that i am able to change it.

Where does the direct debit guarantee state this?  I can't see this being specified as a unilateral consumer right either in the guarantee itself or the associated FAQ....

Tildaplum

The direct debit guarantee does not allow you to change the direct debit date

what the guarantee does say is that if you do change the date and the company agrees then they have to inform you you of the details of the next payment date

if the company doesn't agreeeg it is against the t&c then you cannot change it

Shakin_Steve

I can change the date of the dd on my barclayloan, it's quite simple from within the app:

[img]https://i.ibb.co/bQcSt1q/71-E4-BC13-EC34-4-DF5-A2-FA-42-D15-D95-FDA7.jpg[/img]

Shakin_Steve

I did this in one month last year, btw. My payment was due on 12th, on the 26th of the previous month I changed it to 5th, so no payment came out in the following month. This made no difference at all to how the payments were recorded on my credit files.