Direct debit recovery

isdo0

The Gym took my direct debit despite being unable to provide the service. Tried unsuccessfully (so far) to get my money back. Bank says it's a customer dispute, not an error so won't refund. Gyms says wait the DD facilitator will refund but it's been weeks. Any advice?

unholyangel

What do you mean DD facilitator? Are they using a management company? Is there credit involved (look carefully at any paperwork you were given or check your credit record if you have such an account). 

davidmcn

Many things will need to await people returning to work. Not much you can do other than wait.

eddddy

You need to consider the circumstances in a bit more detail. According to the rules of the DD guarantee...

• If it's a 'contractual dispute' - you can't use the DD guarantee
• If it's an 'error' with collecting the DD - so you can use the DD guarantee

So, for example, if...

• they correctly took the DD (i.e. they took the amount they said they would, on the date they said they would)
• then they said they'd give you a refund (because the gym was closed) - but haven't given you a refund

- that's a contractual dispute. You can't use the DD guarantee.


But, for example, if...

• they said they would not collect a direct debit from your account (because the gym was closed)
• but they did then collect a direct debit from your account

- that's an error, and you should be able to use the DD guarantee to get it reversed

isdo0

Thanks Eddddy, confirmed my worst fears. Hoped that there might have been a glimmer of hope. So basically I'm now relying on them not going bust I guess. 

DCFC79

Which gym is it ?