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Re: Word To Ntl Billing And Debt Collection Dept.
Now for the direct debit thing, please go and start a thread on Direct debit, this thread was started to assertain why NTL's billing dept. is in such poor state.
You may quote this in the direct debit thread:
yes you maybe able to recover from the DD guarantee any overpayments, but you will find it very hard to recover any knock on effects of such an occurance.
what are the knock on effects of say a double presentation of a DD
It can leave you with insufficient funds to allocate to other bills standing orders etc. That can incur further charges from not just the bank but also from the company who failed to recieve the payment. Yes you would probably get returned any knock on bank charges back without to much problem, but you will not get the other third party charges back. and iv seen it before, some one who is currently suffering some mis-fortune and tight budget such an occurance one £25 charge not recoverable can lead to complete bankrupcy @ worse case scenario, where they cannot recover from that £25 charge plus maybe some interest and it leads to yet more £25 late-non payment fees until the barrel is completely rotten.
No this has never happened to me, but iv seen it happen to others, am I currently in a state of mis-fortune, unfortunatly yes. I fell sick some five years ago and some 3 years ago my wife also became ill.
Why am I not bankrupt, because I am in complete control of my finances, and one of those controls is my decision to limit payments thru DD means.
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