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Originally Posted by Peter_
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.
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I know full well how a DD works thank you
You said that the money refunded does not belong to the payer even though it is refunded to his bank account,wrong ,the account holder is free to do what he likes with money in his account ,any money owed to the company will become a debt and claimed in the usual manner i.e through billing with a correctly broken down itemisation.The banks simply act as a channel for the money they are not there to mediate between payer and payee.In this case the DD was for more than the agreed amount so the OP should reclaim the money and then get an itemised bill from VM and then pay the correct sum of money which can only be collected from his account if he gives authority to VM
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Your can get your bank to do an Indemnity for you but if the payment is correct it will always be repaid to the claiming company at which point you may incur bank charges, that is also part of the Direct Debit Guarantee as the company will never be out of pocket if the payment is rightly theirs.
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and this(in bold) is just completely wrong