Quote:
Originally Posted by martyh
It won't have been refunded in error though .The op isn't denying he owes money just the amount and that VM have taken more than the amount agreed without informing the op so the claim will be valid as per the guarantee ,he will get his money back and be billed for the correct amount.Any money refunded belongs to the op as it is not for the bank to decide who owes who money, that is an argument between VM and the OP .
@Rovimax
personally i would cancel the DD either by phoning the bank or through online banking ,get your money back into your bank and then agree to pay any sum owed to VM only after a breakdown of costs have been issued and do as i do ,never have DD's to phone/internet companies or tv subscription companies
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I take it you have little or no understanding of what a Direct Debit Indemnity actually is by the above comment, you ring your bank tell them a payment has been wrongly taken by the payee, the bank say OK we can bring it back but if you actually owe that amount then the payee can reclaim it, the bank only has your word that the payment was taken incorrectly as they do not have the time or the facility to investigate your claim hence the warning given.
I have worked in a banking call centre and have done many Direct Debit Indemnities which the majority of posters on here have never had dealings with and on each call we have to warn the caller of what can happen if the claim is incorrect or not a valid claim.
Try not to allow emotions to get in the way of facts.