morcus
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| posted on 6/5/11 at 05:44 PM |
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Banks cancelling Direct Debits, and other financial maladies
After two months of having no out bound phone line Sky have finally turned everything back on for the ridiculus fee of about £200, why all this
hardship, RBS cancelled the Direct debit and didn't think to tell us. Because of this we've had to make a lump payment of 4 months worth
of sky (One for the month the bank didn't pay, two for the months we didn't have sky, and one for next month). This isn't the first
time they've cancelled a direct debit and the money was in the bank, is there anything we can do?
Another intresting note is that they cancel payments at the drop of a hat yet when someone fraudulently withdrew a few hundred pound and put the
acount way into the red, they just let that money go out (We did get that back though, but incured other expensenses from bills that weren't
paid).
In a White Room, With Black Curtains, By the Station.
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David Jenkins
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| posted on 6/5/11 at 05:49 PM |
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Best idea would be to change banks, if they're repeatedly messing you about.
I changed from Barclays for similar reasons, and Halifax were excellent - managed the transfer of all the DDs and SOs, checked back to make sure
they'd done the right thing, and so on. Been with them for 5 or 6 years now, and had no problems.
We actually feel like they want our business...
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Ninehigh
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| posted on 6/5/11 at 05:52 PM |
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Well, as all the banks keep telling me, a direct debit is an agreement between you and the company. In this case Sky calls for the money, RBS hand it
over, and if it's at the wrong date or amount that's your problem. I'd be asking RBS who's responsible for direct debits and
if they tell you what I have then point out that they should act like this or you might have to setup those DD's in another bank
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chrisxr2
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| posted on 6/5/11 at 05:56 PM |
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muppets
left halifax as to me they appeared to be a bunch of clueless, muppets. At nationwide now who are fricking awesome, no shareholders to answer too.
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Ben_Copeland
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| posted on 6/5/11 at 06:42 PM |
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I would have changed banks long ago...
HSBC have been brilliant, for 20 years
Ben
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Ninehigh
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| posted on 6/5/11 at 06:53 PM |
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quote:
Originally posted by Ben_Copeland
I would have changed banks long ago...
HSBC have been brilliant, for 20 years
Oddly it's HSBC that told me what I posted above, after telling me I should take control of my finances. Thus I set up every direct debit to
come out on the 4th of the month (paid on 28th, out on 4th, mine on 5th) and companies started claiming them on the 23rd, 7th, 9th and this was all my
fault because HSBC just let them claim it and charged me... I had my motorbike reposessed over that too...
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marcjagman
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| posted on 6/5/11 at 07:47 PM |
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Aren't RBS in deep doo doo AGAIN? something like £174 million down so far this year?
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Ninehigh
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| posted on 6/5/11 at 08:01 PM |
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quote:
Originally posted by marcjagman
Aren't RBS in deep doo doo AGAIN? something like £174 million down so far this year?
Oh no they'll only be able to pay out ONE million each in bonuses this month!
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Ben_Copeland
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| posted on 6/5/11 at 08:06 PM |
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quote:
Originally posted by Ninehigh
Oddly it's HSBC that told me what I posted above, after telling me I should take control of my finances. Thus I set up every direct debit to
come out on the 4th of the month (paid on 28th, out on 4th, mine on 5th) and companies started claiming them on the 23rd, 7th, 9th and this was all my
fault because HSBC just let them claim it and charged me... I had my motorbike reposessed over that too...
Annoying, but this is the company's fault, not really yours. But it is up to you to sort it out.
HSBC just process the payments. I dont know what banks do about controlling the dates of the direct debits, but i'm guessing there is something
in the small print to allow things to be under the control of the companys taking money
Ben
Locost Map on Google Maps
Z20LET Astra Turbo, into a Haynes
Roadster
Enter Your Details Here
http://www.facebook.com/EquinoxProducts for all your bodywork needs!
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eznfrank
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| posted on 6/5/11 at 08:10 PM |
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Never mind RBS, Sky cut you off for missing one solitary payment? That doesn't sound right to me?
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Ninehigh
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| posted on 6/5/11 at 08:37 PM |
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quote:
Originally posted by eznfrank
Never mind RBS, Sky cut you off for missing one solitary payment? That doesn't sound right to me?
Oh I don't know, O2 cut me off several times for underpaying them by less than a pound. Wouldn't mind but I had to cancel the direct debit
as they were taking it whenever the hell they liked
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chrisxr2
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| posted on 6/5/11 at 08:59 PM |
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quote:
Originally posted by Ninehigh
Well, as all the banks keep telling me, a direct debit is an agreement between you and the company. In this case Sky calls for the money, RBS hand it
over, and if it's at the wrong date or amount that's your problem. I'd be asking RBS who's responsible for direct debits and
if they tell you what I have then point out that they should act like this or you might have to setup those DD's in another bank
if they dont take the direct debit on the date agreed you can claim it back with the direct debit guarantee. they need to give you 30 days notice to
change the day they debit the money.
Life moves pretty fast, if you don't stop and look around once in a while, you could miss it.
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cliftyhanger
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| posted on 6/5/11 at 09:47 PM |
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Yep, when you sign a DD mandate thats it. The company can ask your bank for as much money as they like, and I suspect whenever too, but they need to
notify you. They cannot refuse to pay them unless you don't have the funds. If there is a problem as above the money should be claimed back.
I too have been with HSBC for nearly 30 years. Always been delightful, even when we once went overdrawn they were at pains to sort it for us with no
fees at all
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owelly
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| posted on 6/5/11 at 10:39 PM |
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All bankers are, er, bankers! Do what I do. I collect my wages in used notes and stash it in the cupboard under the stairs. It'll be safe there
as no-one would think to look there. Even if someone did realise that my garage doors don't lock and the internal door from the garage leads
straight to the cupboard under the stairs, they wouldn't think to look in my old jacket pocket hanging on the back of the door or find the
passports and stuff in the other pocket.
Back on topic... No matter which banks you mention, you'll find someone who recommends them and someone who has had bad experiences with them. I
left the Yorkshire Bank after many years. Started at primary school with a 'penny bank account' and had such good service, I never thought
to go elseware. The manager knew me by name and loved to lend me money. I once phoned him to see about a loan to buy a car that I was going to see
that day. He put the money in my account whilst I was on the phone and said to come in and sort the papaerwork out if I bought the car. If not,
he'd take the money back!! The Yorkshire bank got taken over by the faceless robots, my money got messed about and I didn't understand
whoever I needed to speak to. I went to the bank, took out my money and closed the account.
I'm now with Santander, although it was Allience and Leicester when I joined, and they've been OK.
As for Sky cancelling your stuff?? I thought they had to give it away now to get folks to go with them?!
http://www.ppcmag.co.uk
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morcus
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| posted on 7/5/11 at 06:40 AM |
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I'd tell sky where to put it if there was an alternative but there isn't (I'm on an unadopted road in a flat, to get cable I'd
have to get permision to have it fitted from a huge number of people and pay for about a kilometre of Cable, I know this because my dad was given the
offer of this when he lived over the road).
They've done this before (That time they wouldn't accept money due to differences in names on the bill and the paying bank, again the
banks error) and it's so much hassle when everything is with them. Tecnical support if awful too, for the first two months the internet
didn't work, and everytime we called them we'd eventually get through to the 'Engineer' who'd pretty much just say,
'it says it's working this end' and hang up, it didn't work because of faulty wiring from when they fitted it.
They also at no point though to contact us and tell us what was going on, we had to contact them (In fact that was the easy part since all out going
calls went straight to them.)
In a White Room, With Black Curtains, By the Station.
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