Quote:
Originally Posted by martyh
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
and this(in bold) is just completely wrong |
It is not a refund it is an indemnity which is different and if incorrect the money can be requested back and as the was a Direct Debit on the account in the first place the OP had given permission for monies to be taken.
So according to your post anyone can claim back money for any reason just because they feel like claiming it back, why not try it and tell us the result as it will do wonders for your credit rating.
Of course Ben could pm the OP and ask if he wanted any help with this issue.