Direct Debit Dates Changing

YorkshireBoy

cathy2702 wrote: »

If the date is confirmed as the 5th of the month, the company has to notify you of a change in date, if they dont and they collect the money you are covered under the direct debit guarantee to have an indemnity.

Even if the payment is collected 5 days after they said they would (only 3 working days really, because they'd probably have gone for it on Monday 7th in the OP's case...assuming we're talking about this month)?

Clive_Woody

geordie_joe wrote: »

I thought that for years. Then I moved house last October. BT said as I had been a customer with them for nearly ten years at that house and I was taking over a BT line at my new house there would be no charge.

On Saturday I was checking my bank account and noticed BT had taken two payments from my account. When I rang them they said the £145 was for my taking over the line in my new house and the £63 pound was for ending my contract at my old house early. I'd had the phone 9 years and 10 months at that house!

The man I spoke to said he would try and get me a refund, but even if he did I would not actually get any cash back, it would just be deducted from my next bill.

As soon as I put the phone down I did what I told the man I would do. Straight onto my online account and canceled the DD, then I walked around to my branch and double checked it was canceled.

The Direct Debit guarantee states that you should be notified in advance of all amounts that will be debited (or changes to regular payments). Clearly BT did not do this therefore you are entitled to a full and immediate refund of these charges. Contact your bank and ask them to refund these charge in full immediately.

The Direct Debit Guarantee:


If the amounts to be paid or the payment dates change, the organisation collecting the payment will notify you normally 10 working days in advance of your account being debited or as otherwise agreed

If an error is made by the organisation or your bank or building society, you are guaranteed a full and immediate refund from your branch of the amount paid


You can cancel a Direct Debit at any time by contacting your bank or building society. We also recommend you notify the organisation concerned.

geordie_joe

Clive_Woody wrote: »

The Direct Debit guarantee states that you should be notified in advance of all amounts that will be debited (or changes to regular payments). Clearly BT did not do this therefore you are entitled to a full and immediate refund of these charges. Contact your bank and ask them to refund these charge in full immediately.

The man on the phone said one bill had been send to my old address, but I moved out of there in October. I don't get paper bills, just an email saying your online bill is available for viewing. Normally I don't bother looking at them as I only use my landline for the internet there most of my bills are just the line rental with occasional calls.

I will check to see if they sent emails about these two bills.

dzug

geordie_joe wrote: »

As soon as I put the phone down I did what I told the man I would do. Straight onto my online account and canceled the DD, then I walked around to my branch and double checked it was canceled.

Fine - but just remember your next bill will be higher because you are not paying it by DD. And if you are not getting paper bills you'll have to find some way of paying it as you won't get a payment slip.

Not an insoluble problem but you won't get prompted to solve it. You'll have to take the responsibility for doing it.