Remortgaged away but DD still taken

Tottington

Hi All

My fixed period deal with Halifax came to an end, and I remortgaged with First Direct. This completed last Tuesday (26th), and we received a completion statement from the conveyancer for First Direct showing no balance owing. First Direct contacted me asking me to arrange a Standing Order to themselves, which I have done.

This morning, Halifax took a DD for £1250, the value of a payment at their standard mortgage rate. 

Would I be correct to assume this is a mistake? I have tried to contact Halifax, but to no avail. I didn't want to push the "I am vulnerable" option on the telephone system. Would I be within my rights to contact my current account provider and use the DD guarantee to get the monies returned? I obviously don't want to leave a mark on my credit file.
Thanks!

Timbosaurus

No way of knowing without looking at your completion statement from Halifax, it may or may now have allowed for that final payment as it would have been too late to remove it from the subsequent payment run.
I would advise against making a DD guarantee claim until you know more.  If it has been taken in error, it is likely to be returned to you within a few days automatically, regardless.

kingstreet

The payment will be refunded to the account it came from, but it may take a couple of weeks.This happens regularly.

Tottington

Thank you for your help both, much appreciated.

davidmcn

It'll take a bit of time for the redemption to hit the correct account at the Halifax and for them to shut down the account, and direct debits are set up a few days in advance, so this is pretty normal rather than a "mistake". You'll get the overpayment back automatically.

Thrugelmir

Direct debits are scheduled some 10 days in advance. Hence why they still get taken.

Recommendation is to let the DD remain in place in case something should happen to delay the remortgage.