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Posted: Sun Aug 02, 2009 8:39 pm
by Bladeagle
does IVA co. have the right to take DD if nothing has been signed
Thank you.
Posted: Sun Aug 02, 2009 8:42 pm
by gone-to-us
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.
Posted: Sun Aug 02, 2009 8:44 pm
by MelanieGiles
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.
Posted: Mon Aug 10, 2009 10:15 pm
by Julie
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.
Posted: Mon Aug 10, 2009 10:24 pm
by relieved33
we're with cleardebt and they didn't have a payment from us until the IVA was approved - and then it was on a date that we requested!
Posted: Mon Aug 10, 2009 10:29 pm
by kallis3
Our first payments were set up the day after the IVA was approved, standing orders and for the date we wanted.
Posted: Tue Aug 11, 2009 8:20 am
by orchid5
No problems for me either on that score as mine is a standing order which i can adjust accordingly and know the date it is going out too.
Good luck and best wishes.
Posted: Tue Aug 11, 2009 1:38 pm
by althas
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