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Originally Posted by Peter_
An Indemnity is instant so once again you are wrong and so wide of the mark it is amazing to read, it shows instantly in your balance and is therefore available to be spent even though you are advised that it may be claimed again by the payee.
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DD's and the repayments are handled by BACS process which takes at least 3 days ,which is the fastest i have had one
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Also if a Direct Debit is within 48 hours of its payment date it cannot be stopped which is correct so do try getting your facts correct before posting rubbish.
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Your bank or building society can make the cancellation up to and including the due date, but try not to leave it until the last minute or you run the risk of a payment still being made.
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http://www.thesmartwaytopay.co.uk/Di...rectDebit.aspx
also i could go into my online banking and cancel any DD's the day before they are due and they do not get payed.
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Do you find the above amusing as you must have when you posted your comment above as did find my above comment amusing but my reason for moving is to a better job so again so wrong and no surprise either.
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If the factual errors you have posted are anything to go by then it is a very good job you no longer work in the call center ,and i'll thank you to refrain from commenting on my job choice ,you know nothing of my skills ,experience or circumstances so do not ever attempt to insult me in that way again
The OP has been correctly advised by myself and other posters to claim the money back under the DD guarantee and based on his info given he would be successful ,he would then need to arrange payment to VM for any monies owed .Telling him that any repayment could be taken off him without warning leaving him overdrawn as the money doesn't actually belong to him is just plain wrong on so many levels .By claiming an indemnity the authority for VM to approach your bank for funds has been removed so they cannot ever go into that account again unless a new instruction is given by the account holder ,they must therefore use more traditional billing methods and send a bill for the correct amount