it is the downside of using a payment method that the other party has control over. there is a direct debit guarantee but the payments are usually taken before you know about a potential problem.
I do not use direct debits in my practice. We prefer to set standing order payments up, which give our clients the ability to control their own payments. This has rarely caused ony problems.
When hubby was in IVA we used to phone and make a debit card payment each month.
Initially we had a DD set up but cancelled it after they took 2 payments out....then the cheeky so and so's set it back uo without our permission! Thankfully this isn't the norm with IP's.
Our first payments were set up the day after the IVA was approved, standing orders and for the date we wanted.
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
Go to your bank. The Direct Debit guarantee means the bank has to reimburse you for a direct debit taken out, which breaks the DD rules, then they take it up with the company. If you have no signed/electronic instruction to have an active DD, this would be in breach of one of those rules. Just note that some companies can set DD's up themselves, and not send the piece of paper to the bank for them to do
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