Direct Debit Dates Changing

weedy1234

Ive just recieved a bank charge for my bank not paying a direct debit due to insufficient funds. The thing is; the direct debit date is the 5th of each month - when there would have been enough to cover it. However, the company came calling on the 10th - when there was enough to cover it. DO they have any right to be able to change this date by 5 days??? The direct debit guarantee says they must notify me in writing, but the company says they collect 'on or around' which is pretty vuage and i think 5 days is too much. Do I have a case to get my charges back???????

LittleVoice

weedy1234 wrote: »

Ive just recieved a bank charge for my bank not paying a direct debit due to insufficient funds. The thing is; the direct debit date is the 5th of each month - when there would have been enough to cover it. However, the company came calling on the 10th - when there was enough to cover it. DO they have any right to be able to change this date by 5 days??? The direct debit guarantee says they must notify me in writing, but the company says they collect 'on or around' which is pretty vuage and i think 5 days is too much. Do I have a case to get my charges back???????

You state that on either date there would have been enough money to cover the DD. So why should you be charged anything?

If there wasn't enough on the 5th, then 10th is probably the second time the company tried to collect.

If there was enough on the 5th but not on the 10th when the company tried to collect, what happened to the funds in the meantime? Did you just spend it even though you knew you owed the money? Are you simply not keeping a sensibly close eye on your funds?

If you are referring to January 2008, then, as the 5th was a Saturday, the nearest working day was Friday 4th. Did you have cleared funds in your account at the beginning of 4th January?

exel1966

You must have cleared funds in your account the day before the DD/SO goes out. Is that the case ?

dzug

I would think 5 days afterwards is quite within the definition of on or around, particularly if there's a weekend involved. 5 days BEFORE I would start quibbling.

destiny_star2006

i hate dd and i know wot ure going through has happened to me plenty of times

dunstonh

i hate dd and i know wot ure going through has happened to me plenty of times

direct debits are one of the services you can get from a bank. Never have I had a problem and the vast majority do not.

It is not the fault of the direct debit that you dont have enough money in your bank and it gets bounced. The same bills would then need to be paid by cheque (which would bounce) or you would need to go into the bank to get cash which given your "plenty of times" comment probably means you would be rejected.

Your issues are to do with lack of money and living beyond your means I'm afraid and not direct debits.

destiny_star2006

i wasnt blaming anyone and pity we carnt all be self sufficient as you or you lot as you put it out!
I know its my fault the cash isnt in but doesnt meen i carnt say that i find them horrible does it take a quote from ure sig please Different people have different needs and what is right for one person may be different for another.

Iamthesmartestmanalive

DD's are brillant for all concerned unless your 1 ) a moron or 2) spending beyond your means

destiny_star2006

why dont everyone have a go and i thought this was a helpfull forum tut

Iamthesmartestmanalive

destiny_star2006 wrote: »

why dont everyone have a go and i thought this was a helpfull forum tut

The reason is because you and the OP are blaming others and or very good systems for your mistakes

destiny_star2006

destiny_star2006 wrote: »

i wasnt blaming anyone and pity we carnt all be self sufficient as you or you lot as you put it out!
I know its my fault the cash isnt in but doesnt meen i carnt say that i find them horrible does it take a quote from ure sig please Different people have different needs and what is right for one person may be different for another.

the post i said is underlined so thats no excuse for what your saying i no it my fault i was just trying to sympathise with the op who posted wrongly or rightly