Direct Debit problem with VM

[linwelin]

Hi, having a problem with VM, i signed up about a year ago and used my mother in laws direct debit to make payments, i don't have direct debit and neither does my wife, the phone is not for me but for my wife. VM have now started to decline taking payments from the Direct Debit card, and we have no other way to pay for this, they said the only way they could accept the card again would be to speak to me and my mother in-law at the same time, i live in Belfast and she lives near London, so that isn't going to work, i thought this would be grounds for me to cancel the contract (i tired) but was told i would still have to pay the remaining 11 months.

[Kabaal]

What's the question?

Regardless, go and open a basic bank account and problem solved.

[linwelin]

Originally Posted by Kabaal

What's the question?

Regardless, go and open a basic bank account and problem solved.

i have a standard savings account but it doesn't do direct debit, have tried to open an account with direct debit and have been denied, same as my wife, which is why we used my mother in-laws direct debit, it's what we used when we signed up for the phone, i don't understand how now they wont accept it lol

[RobboEdin]

The bottom line is that you are using somebody else's credit history, not your own, which must be poor if you cannot open an account which allows direct debits.

[martin201002]

Originally Posted by linwelin

i have a standard savings account but it doesn't do direct debit, have tried to open an account with direct debit and have been denied, same as my wife, which is why we used my mother in-laws direct debit, it's what we used when we signed up for the phone, i don't understand how now they wont accept it lol

You will just have to pay by bill via paypoint.

---------- Post added at 18:34 ---------- Previous post was at 18:33 ----------

Originally Posted by RobboEdin

The bottom line is that you are using somebody else's credit history, not your own, which must be poor if you cannot open an account which allows direct debits.

Isn't that fraudulent?

[v0id]

Get one of those prepaid credit card things and use that to pay

http://www.moneysupermarket.com/prepaid-cards/

[linwelin]

Originally Posted by v0id

Get one of those prepaid credit card things and use that to pay

http://www.moneysupermarket.com/prepaid-cards/

will look into that, thanks.

[devilincarnate]

Can you mot enter the DD details online at your account?

If not you maybe able to get a second person (added to your account) who can enter your account over the phone, but not sure if they would be able to change the DD details.

The problem is that the entire corporate world fails entirely to understand that not everyone can have a bank account and yet they may still want to BUY a service.

[RobboEdin]

Originally Posted by Maggy J

The problem is that the entire corporate world fails entirely to understand that not everyone can have a bank account and yet they may still want to BUY a service.

...then you pay by another means, not by someone else's DD facility and bank account. There are reasons why some are not allowed certain bank accounts.

[linwelin]

Originally Posted by RobboEdin

...then you pay by another means, not by someone else's DD facility and bank account. There are reasons why some are not allowed certain bank accounts.

The only way you can get a contract phone with VM is if you have a DD account, my problem is why did they let me use my mother in-law's DD in the first place, and now take it away and cause this inconvenience to me.

[RobboEdin]

Originally Posted by linwelin

The only way you can get a contract phone with VM is if you have a DD account, my problem is why did they let me use my mother in-law's DD in the first place, and now take it away and cause this inconvenience to me.

I don't know the answer to that but I know that it must be to do with credit checking. They must have tightened up on this. Perhaps they should have refused you in the first place.

[linwelin]

Originally Posted by RobboEdin

I don't know the answer to that but I know that it must be to do with credit checking. They must have tightened up on this. Perhaps they should have refused you in the first place.

i wish they had of done that

[Kabaal]

Originally Posted by linwelin

i have a standard savings account but it doesn't do direct debit, have tried to open an account with direct debit and have been denied, same as my wife, which is why we used my mother in-laws direct debit, it's what we used when we signed up for the phone, i don't understand how now they wont accept it lol

Have you tried with other banks? A basic bank account with direct debit and a debit card is something a lot of them will give you even if you are bankrupt, there's also the option as mentioned earlier of getting a prepaid card like Cashplus. There's really no excuse not to have at least direct debit in this day and age, no matter what the personal circumstances are.

[WillPS]

Agreed - you can't really live your life economically without one:
http://www.moneysavingexpert.com/ban...-accounts#best

Also - and I might be wrong here, but I think you can buy top up vouchers and apply them as credit against your bill on VM?