Yorkshire energy ?

Gerry1

phillw said:

Clairabella said:
I think that he created dd indemnity. I have not cancelled the did but nor have I supplied SP with my bank details as their site didn’t have the secure padlock on it. 

My understanding is that claiming on DD indemnity automatically cancels the DD and there is no way round that, at least that is what has happened when I've done it.

Surely invoking the DD Guarantee just reverses a DD payment where something has gone wrong, e.g. the amount was incorrect or the appropriate notice was not given?  All sorts of problems could arise if the bank cancelled future DDs without being instructed to do so by the customer, e.g. insurance payments. The DD Guarantee doesn't seem to mention that reversing a DD will cancel future payments.

However, a DD that isn't used will expire after 13 months (temporarily increased to 24 because of Covid and payment holidays).  There's some logic in this, but it could be needlessly problematic e.g. if you have a credit card just for use on an annual foreign holiday in May but you take it in September one year.

BedrockFred

Gerry1 said:

phillw said:

Clairabella said:
I think that he created dd indemnity. I have not cancelled the did but nor have I supplied SP with my bank details as their site didn’t have the secure padlock on it. 

My understanding is that claiming on DD indemnity automatically cancels the DD and there is no way round that, at least that is what has happened when I've done it.

Surely invoking the DD Guarantee just reverses a DD payment where something has gone wrong, e.g. the amount was incorrect or the appropriate notice was not given?  All sorts of problems could arise if the bank cancelled future DDs without being instructed to do so by the customer, e.g. insurance payments. The DD Guarantee doesn't seem to mention that reversing a DD will cancel future payments.

However, a DD that isn't used will expire after 13 months (temporarily increased to 24 because of Covid and payment holidays).  There's some logic in this, but it could be needlessly problematic e.g. if you have a credit card just for use on an annual foreign holiday in May but you take it in September one year.

IS A DIRECT DEBIT CANCELLED IF THERE IS AN INDEMNITY CLAIM?

If a payer has raised an indemnity claim, the Direct Debit may not necessarily have been cancelled so it is always worth checking if it has been cancelled on your ADDACS report. If not you can continue to collect – if you contact the customer and they agree for you to do so.

mwt_2

Yorkshire Energy were/are using gocardless.com to manage their direct debits, which is probably still active and continuing to bill on schedule. I've cancelled mine as others have done.

masonic

It will take the administrators time to notify all third parties and cancel any services currently being provided to YE, like DD collection. My next payment isn't due to be taken for a couple of weeks, but I'll be cancelling my DD before it does. I suspect SP will have set up a new DD before then anyway.

masonic

Clairabella said:

murmeltier said:

Just noticed that direct debits still seem to be active - Yorkshire Energy debited my account today with the usual monthly amount. Is this expected, and can we expect  these monies to be carried over to Scottish Power eventually, or should I ask my bank to return the direct debit?

Mine was taken yesterday despite my having well over £100 credit. Is this even legal? I too am trying the bank. 

Edited to say that the bank has retrieved my payment. I think that he created dd indemnity. I have not cancelled the did but nor have I supplied SP with my bank details as their site didn’t have the secure padlock on it. 

If you followed the link in the email requesting the information, you should have been taken to a form on the scottishpower.co.uk website, which is https and should have the padlock.

phillw

Gerry1 said:
The DD Guarantee doesn't seem to mention that reversing a DD will cancel future payments.

It might just be standard practice for the banks to avoid getting into a game of ping pong where the DD is resubmitted, instead they have 9 days to appeal the reversal. However I've never used an indemnity claim when I had an ongoing relationship with the company, so it might be possible to leave the Direct Debit in place but that hasn't been my experience.

It would be easy to argue about a DD taken after the switch over to Scottish power as you area no longer a Yorkshire energy customer, but I'm not sure what will happen if you apply for an indemnity now for a payment that was taken before the administrators were called in. 

masonic

phillw said:

Gerry1 said:
The DD Guarantee doesn't seem to mention that reversing a DD will cancel future payments.

It might just be standard practice for the banks to avoid getting into a game of ping pong where the DD is resubmitted. Instead they have 28 days to appeal the reversal. However I've never used an indemnity claim when I had an ongoing relationship with the company, so it might be possible to leave the Direct Debit in place but that hasn't been my experience.

I'm not sure what will happen if you apply for an indemnity now for a payment that was taken before the administrators were called in.

Most likely it would be successful as it would go undisputed and unnoticed, and after the credit balances were transferred to SP (including the part that was refunded), you'd become a debtor of YE. Eventually the administrators would get around to reconciling the bank accounts and chasing you for the debt. If I remember correctly this happened to someone in the OneSelect-Together Energy transfer a couple of years ago and they ended up having a call from a debt collection firm.

phillw

masonic said:
Most likely it would be successful as it would go undisputed and unnoticed, and after the credit balances were transferred to SP (including the part that was refunded), you'd become a debtor of YE. Eventually the administrators would get around to reconciling the bank accounts and chasing you for the debt. If I remember correctly this happened to someone in the OneSelect-Together Energy transfer a couple of years ago and they ended up having a call from a debt collection firm.

If they are still collecting DD then one would imagine they haven't sent the balances yet or it's going to get messy, but maybe the timing will make it interesting.
It should be pretty easy to tell as the SP refund will either include the DD or not. Obviously I wouldn't expect to get both.
I'm not bothered if a debt collection firm contacted me for money that I owed.

[Deleted User]

I don't know this for sure but I am assuming that before YE are in a position to issue final bills (and hence working out if customers have a debit or credit balance) the final account meter readings submitted via the Scottish Power link (which need to be system verified) will be relayed to YE via the industry 'back-end'.  So I am expecting YE to ultimately base my final bill and account balance on the numbers I submitted to SP on 9th December rather than the last submitted to YE on 6th December but I could be wrong on this.  So long as the closing YE numbers used tally with the opening numbers used by SP I shall be happy as I can be.   I deliberately chose to cancel my DD due on 4th December as my bill for that date still showed a fairly healthy credit balance of £64 (based on monthly readings submitted on 3rd December) so I know that debt will be coming to me (via SP) rather than to YE administrators once the YE accounts are finalised.    

matelodave

this is why its a very good idea to make sure you've downloaded, saved and retained your bills and bank statements - https://forums.moneysavingexpert.com/discussion/6223421/utilita-chasing-eversmart-debt#latest
It's not just bust suppliers and their administrators who can manage to dredge up bills from several years ago and then set the dogs on you
There are lots more threads like this regarding other suppliers doing the same including British Gas who had a major purge last year and caught quite a few people unawares. Many suppliers have their own tame debt collection agencies or just sell what they perceive as outstanding debts on so keep on top of it and save your documents, just in case.