Direct Debits-falsely set-up on my account

Notepad_Phil

Olinda99 said:

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.

I don't think the OP means that was what had happened.

The OP said "Troublingly a third party has set-up several online direct debits against my Bank account" - you seem to have taken that statement differently from what I and others take it to mean i.e. that they suddenly found themselves with DDs to various companies.

Zanderman

Olinda99 said:

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.

They can't, and that's not what the OP has suggested happened. Only you have suggested this.

The OP also didn't suggest a 'revenge' dd. That's only been implied by other replies.

The OP's problem could be deliberate fraud (to get a product or service), or it could be someone has keyed in the wrong account details and so just an error.

phillw

Zanderman said:
The OP also didn't suggest a 'revenge' dd. That's only been implied by other replies.

The OP's problem could be deliberate fraud (to get a product or service), or it could be someone has keyed in the wrong account details and so just an error.

And in any case, it's not the banks fault if any of those three things happened.

There is another alternative, the bank might have misapplied the DD to the wrong account.

Importantly it was noticed and sorted out in the correct way.

You do have a responsibility to check the DD coming out of your bank.

Daliah

Zanderman said:

Olinda99 said:

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.

They can't

A limited number of people actually still can.

It obviously needed to go via a personal account on which you can set up DDs, and the person setting up the DD would have to tell a lie when they set up the DD if the DD isn't against their own account, as you need to confirm the DD you set up is against an account in your name. But no name check is actually carried out at the time of setting up the DD.

But the personal accounts you can do this with are now few and far between, probably because they were abused, and also because DD facilities were expensive for the providers to run. One of the last ones doing it was the Post Office, who have, officially, now stopped doing it (though are still actually doing it, going by reports from some forumites). These accounts were/are extremely useful for switch and reward offers which require DDs, and using them with your own accounts for this purpose is perfectly legal and proper. Anyone lucky enough to still have such accounts would be absolutely insane if they used their accounts to draw money from someone else's account, as it wouldn't end well for them. Apart from having to pay back any of their ill gotten money, possibly with interest, they can be certain of a CIFAS fraud marker and possibly a criminal record with an associated fine.

Zanderman

Daliah said:

Zanderman said:

Olinda99 said:

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.

They can't

A limited number of people actually still can.

It obviously needed to go via a personal account on which you can set up DDs, and the person setting up the DD would have to tell a lie when they set up the DD if the DD isn't against their own account, as you need to confirm the DD you set up is against an account in your name. But no name check is actually carried out at the time of setting up the DD.

But the personal accounts you can do this with are now few and far between, probably because they were abused, and also because DD facilities were expensive for the providers to run. One of the last ones doing it was the Post Office, who have, officially, now stopped doing it (though are still actually doing it, going by reports from some forumites). These accounts were/are extremely useful for switch and reward offers which require DDs, and using them with your own accounts for this purpose is perfectly legal and proper. Anyone lucky enough to still have such accounts would be absolutely insane if they used their accounts to draw money from someone else's account, as it wouldn't end well for them. Apart from having to pay back any of their ill gotten money, possibly with interest, they can be certain of a CIFAS fraud marker and possibly a criminal record with an associated fine.

Fair points, but as you say, unlikely and would definitely end in trouble for the instigator so actually pointless for anyone to try. And it's still the case that it's only Olinda99 who has interpreted the OP's DD problems as being DDs between personal accounts, which was neither stated nor implied by the OP. I'm not clear why Olinda99 keeps thinking this is/was the case as multiple replies have explained it (almost certainly) wasn't.  

born_again

It would help if we knew who the DD's were to, as might shed some light on the cause.

But while the Op Last Active Today at 9:34AM. They have not added anything to the thread.