Direct Debits-falsely set-up on my account

Olinda99

oh no, that was my second post. ok, i will try and make my third post.. oh wait a minute..

Zanderman

Olinda99 said:

will try and make my second post a bit less controversial !

Your post wasn't exactly 'controversial', but it was kinda missing the point.  It's not clear whether you were misunderstanding the OP or whether you were just being over-precise in your interpretation of the phrase 'setting up a direct debit'. 

I set up a new one to paypal yesterday. That's the sort the OP means I assume - an outgoing one from a personal account. 

[But I can also invite DDs into my business account without having service user numbers etc, by simply using a direct debit facilitator company, who do that bit for me. And there are definitely no millions in my turnover!]   

Olinda99

keep going - i am sure you will get there ! (millions)

ps i was just trying to point out that 'john smith' cannot just set up a dd to someone's account. yes they can use gocardless or whatever but that didn't feel like what the op thought was happening.

MDMD

Surprised no one has mentioned Jeremy Clarkson yet….

https://forums.moneysavingexpert.com/discussion/6305195/is-it-still-possible-for-someone-to-set-up-a-direct-debit-from-my-account-with-my-bank-details

Zanderman

Olinda99 said:

keep going - i am sure you will get there ! (millions)

ps i was just trying to point out that 'john smith' cannot just set up a dd to someone's account. yes they can use gocardless or whatever but that didn't feel like what the op thought was happening.

I'm very sure I won't (get millions). And wouldn't want them. Life's complicated enough as it is.

Not sure about your explanation. It wasn't what the OP said was happening at all. The OP wasn't talking about setting up a DD to someone's account. They were saying that someone had set up DDs from their account to a third party - i.e. someone had set up subscriptions or utility payments or something similar. Using the OP's bank details.  Possibly fraudulently.  Possibly accidentally. The someone wouldn't be getting money from the OP, they'd be getting the product or service from whoever the DD was set up with, and the OP would be paying that provider. Which is nothing to do with setting up a DD to someone's account.

masonic

Olinda99 said:

keep going - i am sure you will get there ! (millions)

ps i was just trying to point out that 'john smith' cannot just set up a dd to someone's account. yes they can use gocardless or whatever but that didn't feel like what the op thought was happening.

As happened in the Jeremy Clarkson situation mentioned above, 'john smith' can provide the bank details to a company to set up a DD to someone else's account. That is the scenario people are generally afraid of, although there is no risk to them that any of their money would be irrecoverably lost due to the direct debit guarantee.

born_again

industriegrafik said:

Hi,
Troublingly a third party has set-up several online direct debits against my Bank account without my consent with my personal details. This has happened over the last two days. Fortunately I noticed the DD’s and have subsequently cancelled them. The bank doesn’t seem to have a solid verification process in place or a means to change my data. Has anyone got any tips or tricks to combat this? apart from that is changing banks! Thanks in advance…

Ask bank to put a "Care Marker" on the account so any new DD get checked with you before being set up. 
\Just who were the DD's to?

Shakin_Steve

It doesn't help when companies change their name without telling you. I was a bit concerned about a dd for 'YWS LTD' this morning, until I cross referenced and realised it was 'Yorkshire Water', the name used last year.

sebtomato

industriegrafik said:

Hi,
Troublingly a third party has set-up several online direct debits against my Bank account without my consent with my personal details. This has happened over the last two days. Fortunately I noticed the DD’s and have subsequently cancelled them. The bank doesn’t seem to have a solid verification process in place or a means to change my data. Has anyone got any tips or tricks to combat this? apart from that is changing banks! Thanks in advance…

Anybody who has seen your sort code and bank account number could set up direct debits. If your debit card is showing those, then easy to do. Same for bank statements etc.

If someone is trying to annoy you, only option will be to get a new bank account, from the same or different bank, and make sure you don't disclose your details again.

Olinda99

I can see how someone can set up a 'revenge' direct debit from your account to, say, Salvation Army or Oxfam or whatever - you visit their website and enter the bank details of your 'target'

I cannot see how someone could set up a DD from 'your' account to 'my' account - hopefully someone can walk me through the process.