I am so glad that none of my credit card payments were ever set up n a DD! The only problems I had were with HSBC. Direct Line and Halifax never reinstated them after I cancelled them.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
I find this unbelievable that they can do this when you cancelled it with the bank[:0][:0]
I understand it in a case where you have a bank, loans or credit card with the same institution and they reinstate or refuse to cancel that but a third party company being able to do it is not acceptable in my opinion!
Does this mean that my magazine subscriptions that I cancelled could potentially reinstate the dd if they wanted to, I know that this is not at all likely but it seems it would be possible?
You rant away swans, I would be the same[:)]
Halifax customer service does not sound up to much, do they really expect you to believe that they cannot waive a charge?
How ridiculous!
Glad Accuma have said they will refund the bank charges x
Be positive & look after yourself, there are more important things in life than debts....
Does this mean that my magazine subscriptions that I cancelled could potentially reinstate the dd if they wanted to, I know that this is not at all likely but it seems it would be possible
YES they can and I think it is unacceptable too !
I actually opened another bank account, as a reserve, in case this happened again, I would close the other account down and just use the reseve account to have wages paid in and pay all bills at the post office, so far, it has not happened again but I have to check the account carefully.
Good news is that Accuma have been pretty sharp in acknowledging they were at fault - took 2 emails to actually get the words " we apologise" , but there you go.
Did quote dd guarantee to Halifax, but fell on deaf ears, so have sent letter of complaint and spoke to FSO, who agree halifax are in the wrong.
I check my bank account on line regularly, just never thought to check the transfers set up. Lesson learnt for me!
I'm also going to try and transfer all DD's onto SO's.
'Standing Order' is the way for IP regluar payments....you can change anytime! Even with the DD error and the built in guaranteer you go through the hell of ringing up this and that person up and it all ends up been a 'who dunne it" Cluedo game.its just not worth the witch hunt. Clerical errors in all sectors are so prevalent! They call it s*ds law.
Thanks Fergiedoggy - is your bank account with halifax? If it is and you don't make the payments, they may still take the money out of your account. If you bank with someone else, just be careful Halifax do not try and re-instate dd.
It is so annoying when this sort of thing happens, why should we be the ones running round trying to sort it out when it is not our fault?
When I opened a new bank account with Barclays, I transferred my loan payment from HSBC across to there and then cancelled it. I couldn't close my HSBC account because I still had the overdraft on it, and they reinstated the payment. I even contacted them, and was told I couldn't cancel it!
They used to take the money out, then put it back in, and charge me for the privilege.
I was so glad when they sold the debt on.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
It's so annoying isn't it, when you have told them you can't afford to pay it, and they still take it out and just add charges! I got so fed up of seeing the money go out, go back in a day later and £35 quid added to the total.
Wish I'd never heard of HSBC - I'll certainly never use them again for anything.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
It was several months before they stopped charging me £35 for a DD they knew i couldnt pay.
I used to think they were a great bank. They gave me anything i wanted, which was good at the time, not so good now. I wouldn't use them again either, even if they would let me. They will throw anything at you but when you need help, because you are struggling they don't want to know.
Steve - I think all banks are the same. When I challenged Halifax about this £35 charge they said I had reclaimed charges before so I couldn't again! That was a totally separate issue - I've obviously got a big black mark against me for winning back charges before.
Accuma have sent us a cheque to cover the £35 charge -had no response from letter of complaint sent to Halifax yet.
I know I shouldn't moan, but I wished Accuma had nade a bacs payment, trying to get to a bank to deposit a cheque is a pain. I don't trust those deposit boxes.
