We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Bank switch (CASS) weirdness (dead DD keeps being recreated in new bank)

Options
withaspritz
withaspritz Posts: 254 Forumite
Sixth Anniversary 100 Posts Name Dropper
edited 22 July 2021 at 7:32AM in Budgeting & bank accounts
Morning!

I've used the CASS a few times now, with very few hitches, so was surprised when my current switch seemingly has a problem. The ultimate question is, I'm not sure who I go to to get it rectified - is it HSBC, Natwest, Starling Bank, or BACS/"the CASS people"?  Read on for more background!

Previously used Natwest as my main bank, but about 2 years ago decided to switch my salary into Starling bank and slowly move manually the DDs across by creating new ones in the Starling account, and leaving old ones until they no longer apply in the Natwest one.  Once they are no longer taking payments (the contract has ended) I cancel the old DDs in Natwest.  

That was about 2 years ago.  Last week having had the NatWest account dormant for about 6 months I've decided to shut it down by using CASS to migrate to starling.  Double checked pre-switch that there were no active DDs in Natwest (which there weren't) just to be sure I knew what was (or wasn't) coming into Starling. Anyway, migrated successfully.  First issue presents itself - Starling have somehow gotten a list of all my old cancelled DDs from Natwest and set them back up as live DDs.  Not a problem I think and I cancel them all in the starling app.

However this is where the weirdness kicks in... I did have a HSBC credit card, about 3 years ago, that has been dead for coming up to 2 years now.  The HSBC DD was migrated to starling as a live DD, I cancelled it, and then around midnight they re-requested it to starling.  Same happened twice now - wake up to "Your HSBC DD is confirmed" notification in starling app.

So... given this DD is for a card that was closed some years ago.  Who do I call to stop HSBC setting up a DD with Starling? Should I start with starling (I don't have the details anymore to contact HSBC but I could try and derive the card number from the DD reference field!)

Thanks for any help offered!! Not sure if this is common practice or not

Edit: the switch officially completes today (22 July), so I might try again with cancelling HSBC DD today in the hope they won't recreate it at midnight tonight!

Comments

  • withaspritz
    withaspritz Posts: 254 Forumite
    Sixth Anniversary 100 Posts Name Dropper
    In fact, based on this https://www.directdebit.co.uk/DirectDebitExplained/Pages/Cancellingpayments.aspx it looks like HSBC should obtain my consent before re-activating.  I might try again tonight as planned as perhaps the in progress (until today) switch has been treated as authority.

    Money shouldn't be collected from your account after you have cancelled the Direct Debit and, under the Scheme rules, an organisation would have to obtain your authority to reinstate a cancelled Instruction.

  • PRAISETHESUN
    PRAISETHESUN Posts: 4,846 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    Any complaints regarding the switch process should be directed towards your "new" bank. Wait until the switch completes before trying to cancel any DDs on your new account though, doing so before completion can sometimes cause issues. Sounds like a bit of a glitch to me but it should simply be a matter of cancelling any spurious DDs that get created. It's unlikely HSBC will try to take money for a closed account - if they do then complain to Starling under the DD guarantee and it'll get refunded.
  • withaspritz
    withaspritz Posts: 254 Forumite
    Sixth Anniversary 100 Posts Name Dropper
    Any complaints regarding the switch process should be directed towards your "new" bank. Wait until the switch completes before trying to cancel any DDs on your new account though, doing so before completion can sometimes cause issues. Sounds like a bit of a glitch to me but it should simply be a matter of cancelling any spurious DDs that get created. It's unlikely HSBC will try to take money for a closed account - if they do then complain to Starling under the DD guarantee and it'll get refunded.
    Clear as day, thanks for the quick reply. Will try again tonight and if not will go to Starling!
  • pbartlett
    pbartlett Posts: 1,397 Forumite
    1,000 Posts Name Dropper
    probably a silly question, but are you sure the cc is closed ...?  I mean, you may think it's closed, but ...
  • Thrugelmir
    Thrugelmir Posts: 89,546 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
     Who do I call to stop HSBC setting up a DD with Starling?
    They won't. 
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 350.8K Banking & Borrowing
  • 253K Reduce Debt & Boost Income
  • 453.5K Spending & Discounts
  • 243.8K Work, Benefits & Business
  • 598.6K Mortgages, Homes & Bills
  • 176.8K Life & Family
  • 257K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.