Unauthorised direct debit query

Enzo_L

Rather than any of the above, I think that the bank has mistakenly used its right of set-off - it has taken money out of one account to set off a debt owed by the customer on another account.

I think that the direct debit explanation is a red herring.

friolento

https://forums.moneysavingexpert.com/discussion/comment/81938785#Comment_81938785

I don’t think we have enough information for reaching a conclusion on the rights or wrongs of the bank’s action.

Enzo_L

https://forums.moneysavingexpert.com/discussion/comment/81939031#Comment_81939031

I didn't comment on the "rights and wrongs" of what the bank did or reach any "conclusion" on that.

The bank put the money back, so that would indicate the bank made a mistake; or possibly that they initially decided to take the money and then changed their mind and returned it.

Section62

https://forums.moneysavingexpert.com/discussion/comment/81939531#Comment_81939531

That could also be consistent with the bank setting up a minimum payment DD (without the card holder's active consent) which together with manual payments the account holder made, resulted in more being paid off the credit card that month than the cardholder wished to pay.

Enzo_L

https://forums.moneysavingexpert.com/discussion/comment/81939660#Comment_81939660

But the OP said in the first post that the bank took the "full amount" - presumably meaning, from the context, the full amount owing on the card, which the holder was paying back bit by bit.

Nasqueron

https://forums.moneysavingexpert.com/discussion/comment/81938319#Comment_81938319

Just as a counter point, some BT cards ask if you want to setup a DD or not when you do the transfer (and if so, minimum, a fixed amount or in full), it is perfectly possible to open the card, do a transfer and not authorise any DD to be setup