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  • FIRST POST
    • Fionaalison123
    • By Fionaalison123 14th Jun 19, 8:31 AM
    • 4Posts
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    Fionaalison123
    next won't refund direct debit overpay
    • #1
    • 14th Jun 19, 8:31 AM
    next won't refund direct debit overpay 14th Jun 19 at 8:31 AM
    Hi I recently paid off and closed my Next account . I accidentally forgot to cancel the direct debit and they were paid 50 pounds. My bank have unable to get the money back . Next are refusing to budge. What can I do to get a refund ?
Page 1
    • KatrinaWaves
    • By KatrinaWaves 14th Jun 19, 8:44 AM
    • 945 Posts
    • 1,965 Thanks
    KatrinaWaves
    • #2
    • 14th Jun 19, 8:44 AM
    • #2
    • 14th Jun 19, 8:44 AM
    If its a DD itll be covered by the DD guarantee.

    I'm guessing you mean standing order? Why are Next refusing to budge? Are they struggling to trace the money?
    • Broadyx
    • By Broadyx 14th Jun 19, 9:00 AM
    • 76 Posts
    • 103 Thanks
    Broadyx
    • #3
    • 14th Jun 19, 9:00 AM
    • #3
    • 14th Jun 19, 9:00 AM
    If it's a direct debit, they can't refuse to return it under the DD Guarantee

    https://www.directdebit.co.uk/DirectDebitExplained/Pages/DirectDebitGuarantee.aspx
    • stragglebod
    • By stragglebod 14th Jun 19, 9:38 AM
    • 811 Posts
    • 734 Thanks
    stragglebod
    • #4
    • 14th Jun 19, 9:38 AM
    • #4
    • 14th Jun 19, 9:38 AM
    If it's a direct debit, why would Next take a payment at all if the account had a zero balance?
    • molerat
    • By molerat 14th Jun 19, 9:51 AM
    • 21,372 Posts
    • 15,630 Thanks
    molerat
    • #5
    • 14th Jun 19, 9:51 AM
    • #5
    • 14th Jun 19, 9:51 AM
    If it's a direct debit, why would Next take a payment at all if the account had a zero balance?
    Originally posted by stragglebod
    Likely the same as with many credit cards, once the bill is produced that DD will be taken irrespective of what you do.


    Anyway, if the account is clear then they must refund the balance. The bank should also refund if asked.
    https://www.helpforheroes.org.uk/give-support/donate-now/
    • Fionaalison123
    • By Fionaalison123 14th Jun 19, 10:02 AM
    • 4 Posts
    • 0 Thanks
    Fionaalison123
    • #6
    • 14th Jun 19, 10:02 AM
    Thank you
    • #6
    • 14th Jun 19, 10:02 AM
    The problem is I forgot to cancel the direct debit so nationwide will say it's my error
    • JJ Egan
    • By JJ Egan 14th Jun 19, 10:15 AM
    • 13,306 Posts
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    JJ Egan
    • #7
    • 14th Jun 19, 10:15 AM
    • #7
    • 14th Jun 19, 10:15 AM
    As asked DD payment for what exactly .
    • Caz3121
    • By Caz3121 14th Jun 19, 10:20 AM
    • 12,378 Posts
    • 8,067 Thanks
    Caz3121
    • #8
    • 14th Jun 19, 10:20 AM
    • #8
    • 14th Jun 19, 10:20 AM
    The problem is I forgot to cancel the direct debit so nationwide will say it's my error
    Originally posted by Fionaalison123
    a direct debit is where the retailer takes the money...I have a number of un-cancelled DDs, but no money is taken as no money is due.
    a standing order is something you control and you give the money to the retailer. This is something you need to cancel.
    • zx81
    • By zx81 14th Jun 19, 10:36 AM
    • 23,798 Posts
    • 26,447 Thanks
    zx81
    • #9
    • 14th Jun 19, 10:36 AM
    • #9
    • 14th Jun 19, 10:36 AM
    The problem is I forgot to cancel the direct debit so nationwide will say it's my error
    Originally posted by Fionaalison123
    There's no reason they would say that at all.

    Are you sure you haven't just made that up?
    • Fionaalison123
    • By Fionaalison123 14th Jun 19, 11:02 AM
    • 4 Posts
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    Fionaalison123
    No not made up
    My bank says they can't help. I can't get to a someone with clout at Next . Interesting that they took the money when I had paid in full and closed account ...I 've no idea what to do next .
    • davidmcn
    • By davidmcn 14th Jun 19, 11:28 AM
    • 13,081 Posts
    • 14,868 Thanks
    davidmcn
    My bank says they can't help.
    Originally posted by Fionaalison123
    Given the terms of the Direct Debit Guarantee, did they explain why they "can't help"?
    • bigisi
    • By bigisi 14th Jun 19, 11:39 AM
    • 730 Posts
    • 1,359 Thanks
    bigisi
    My bank says they can't help. I can't get to a someone with clout at Next . Interesting that they took the money when I had paid in full and closed account ...I 've no idea what to do next .
    Originally posted by Fionaalison123
    Maybe start by giving us more information otherwise nobody here will be able to help. Can you answer some of the questions which have been asked by posters on your thread?
    • Caz3121
    • By Caz3121 14th Jun 19, 11:47 AM
    • 12,378 Posts
    • 8,067 Thanks
    Caz3121
    My bank says they can't help. I can't get to a someone with clout at Next . Interesting that they took the money when I had paid in full and closed account ...I 've no idea what to do next .
    Originally posted by Fionaalison123
    are you certain this was a direct debit and not a standing order? If a direct debit, no payment should have been taken unless you made a separate payment close to the DD date (too late for them to stop it)
    If that is the case your account would be in credit
    • foxtrotoscar
    • By foxtrotoscar 14th Jun 19, 12:26 PM
    • 1,438 Posts
    • 2,220 Thanks
    foxtrotoscar
    My bank says they can't help. I can't get to a someone with clout at Next . Interesting that they took the money when I had paid in full and closed account ...I 've no idea what to do next .
    Originally posted by Fionaalison123
    Your bank cannot refuse to refund you under the DD guarantee. FULL STOP! No ifs, no buts, they have to comply with a requested refund.
    • garth549
    • By garth549 14th Jun 19, 1:05 PM
    • 369 Posts
    • 174 Thanks
    garth549
    Are you sure it's a DD?

    A bank must immediately refund a DD if requested by the account holder. They cannot deny this request.

    Phone them back and say you want them to reverse the payment under the terms of the DD guarantee. Escalate to a complaint immediately if not.
    • waamo
    • By waamo 14th Jun 19, 2:00 PM
    • 7,860 Posts
    • 10,695 Thanks
    waamo
    Sadly the advice being provided is being hampered by a complete lack of meaningful information.

    In order to get more helpful advice can you show copies of all communication between yourself, Next and the bank please? Make sure it's redacted of all personal information.
    This space for hire.
    • Fionaalison123
    • By Fionaalison123 14th Jun 19, 7:02 PM
    • 4 Posts
    • 0 Thanks
    Fionaalison123
    Thank you
    It was a direct debit .
    Nationwide on my instructions attempted to reclaim the money from Next .
    Two months on I received a letter from my bank Nationwide stating that despite trying to get a refund from Next's...bank Hsbc, Next will not sanction the payment . Nationwide cannot help me further and hav e suggested the financial ombudsmen or claims court.
    • waamo
    • By waamo 14th Jun 19, 7:05 PM
    • 7,860 Posts
    • 10,695 Thanks
    waamo
    Try going to the Ombudsman. If that fails sue Next.
    This space for hire.
    • DoaM
    • By DoaM 14th Jun 19, 7:10 PM
    • 7,902 Posts
    • 7,707 Thanks
    DoaM
    Nationwide have no choice (or say) in the matter ... the direct debit guarantee means they (Nationwide) HAVE to give you your money back, doesn't it?
    Diary of a madman
    Walk the line again today
    Entries of confusion
    Dear diary, I'm here to stay
    • davidmcn
    • By davidmcn 14th Jun 19, 7:24 PM
    • 13,081 Posts
    • 14,868 Thanks
    davidmcn
    Nationwide cannot help me further and hav e suggested the financial ombudsmen or claims court.
    Originally posted by Fionaalison123
    Have you exhausted Nationwide's own complaints procedure? Have they said why they think the direct debit guarantee doesn't apply?
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