Quote:
Originally Posted by Peter_
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.
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Under the DD guarantee a DD taken in error or for the incorrect amount the payer is entitled to a "full and immediate"* refund from the bank ,the bank then fill out a indemnity form to get the money from whatever company took the DD originally that bit is the banks problem and nothing to do with the customer .
*"immediate" in banking terms usually means about 3-4 days
I have had to use the DD refund on 3 occasions ,1 with virgin mobile and 2 times with sky .On both occasions too much money was taken i reclaimed the full amount in 4 days and arranged to pay the correct amount using the companies on line payment service which i still do
I think the fact you
used to work in a banking call center is both a blessing and unsurprising .I have been told by my banks call center on many occasions that the only way to cancel a DD is by giving at least 48hrs notice ,totally untrue ,i have also been told that a DD can only be activated if i go into the branch and sign the mandate again totally untrue .In my experience some banking staff have no idea how a DD works