When do I give direct debit details ?

Esiuol_1

Hi, we have gone through a broker and are due to complete Fri 30th Sept.

At what point do I give direct debit details ?  Or do the bank send something out after completion ?  Worried if this could stop completion going ahead if they don't have these details.

Our broker never asked for any payment details upon application and nothing has been sent to us from the solicitor.

Bank is HSBC if that helps.

Thanks

ACG

I dont know with HSBC specifically, but most banks ask for account number and sort code on the application form. So your broker has probably already put them in. 

user1977

Doesn’t your mortgage offer say something about it?

Esiuol_1

I will have to ring the broker Monday to check, I really don't remember giving any bank account information to them at our appointment.  That was back in July so it could be me being forgetful.

Can't see anything at all on the mortgage offer about the direct debit.

Spoke to HSBC but because I've gone through a broker they can't tell me anything which is frustrating.

K_S

Esiuol_1 said:

I will have to ring the broker Monday to check, I really don't remember giving any bank account information to them at our appointment.  That was back in July so it could be me being forgetful.

Can't see anything at all on the mortgage offer about the direct debit.

Spoke to HSBC but because I've gone through a broker they can't tell me anything which is frustrating.

@esiuol_1 I can't submit a client's HSBC application without filling in the following information so your broker will definitely have put in something in there. Just drop them an email to check, it'll only take them a couple of minutes to pull up your application and look it up.

Esiuol_1

Thank you for this, it's much appreciated.

It's so strange because both me & my husband are positive we never gave this information, however we obviously gave bank statements so could have possibly been taken from those.  Definitely never been asked about a preferred payment date.

Will contact the broker Monday!

Thanks again

ACG

Sometimes I take them from the statements. 
Usually if there is only one bank account or if you can see rent coming out of an account. I should check really. 

NotWhereIWantToBe

My mortgage is with someone else but I gave them HSBC and Lloyds bank details as part of my application and although I would have wanted it to come from Lloyds each month they automatically set it up to come out of HSBC (presumably because that is where my income is paid into).
I didn't have a separate form to ask where I wanted it to come from each month.

FashionHeart

Esiuol_1 said:

Hi, we have gone through a broker and are due to complete Fri 30th Sept.

At what point do I give direct debit details ?  Or do the bank send something out after completion ?  Worried if this could stop completion going ahead if they don't have these details.

Our broker never asked for any payment details upon application and nothing has been sent to us from the solicitor.

Bank is HSBC if that helps.

Thanks

I'm with HSBC for my mortgage and I definitely remembered that they asked for Direct Debit details on the application form. 
Did you give your bank details to your Broker? This was what we did.

london21

Esiuol_1 said:

Hi, we have gone through a broker and are due to complete Fri 30th Sept.

At what point do I give direct debit details ?  Or do the bank send something out after completion ?  Worried if this could stop completion going ahead if they don't have these details.

Our broker never asked for any payment details upon application and nothing has been sent to us from the solicitor.

Bank is HSBC if that helps.

Thanks

You probably already gave this but can call the bank also and they can confirm the direct debit account details they have and date payment is taken. 

Edi81

You will get a final confirmation once you complete. 

Then call them and change the payment date and bank account.