Changing Direct Debit Dates

punky21a

does anyone know if you can ask (or if its legal) if companies providing a direct debit payment service can change it? I have various dates throughout the month where money is taken and I would like to pull these together on or around the same date each month.

thanks in advance.

Graham

Guest_Room

This is possible - I have asked mobile phone company, car insurance and ISP to move the date of DDs.

Good thing is makes managing money a bit easier - bad thing is the huge dip in bank balance on the same day!!

dzug

It's legal for you to ask.

They don't have to agree but many will.

DON'T ask your bank to do anything - they have absolutely no control over the dates payment requests are submitted

Mikeyorks

And don't bring the DD dates too close to the date you're paid. Too many posts on here from people with problems where DDs / salary hasn't quite worked to the scheduled dates ..... in particular across long holiday periods. Best to give it a bit of tolerance

PBA

dzug wrote: »

They don't have to agree but many will.

I'm pretty sure they do have to give a choice of dates. I certainly can't think of a time when I've set up a DD without being asked what day it should be paid.

~Beanie~

You can chose a date when setting them up (usually) but not all companies will change the date once it has been set up. I changed jobs last year which meant that my DD for Orange mobile phone came out 1 day before my new payday. Orange refused point blank to change the date of the DD with the result being that I paid 1 day late every month and incurred a charge for not paying by DD