Help needed - direct debit taken out before agreed date incurring bank charges - HotUKDeals
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Help needed - direct debit taken out before agreed date incurring bank charges

Rhianne Avatar
6y, 10m agoPosted 6 years, 10 months ago
Basically Orange took out my bill on the 27th. I set up the direct debit for the 28th as that's payday.

I had insufficient funds in my account and my bank charged me £25!

Orange sent me the standard letter when I set up the direct debit saying that the full bill amount would be debited on or after 28th.

As they have done this a day early do they have to repay the bank charge incurred by me?

What do you think?

Please, no remarks about how there should have been money in my account!
Other Links From Direct Debit:
Rhianne Avatar
6y, 10m agoPosted 6 years, 10 months ago
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banned#1
This month or last month ?
#2
aScottishBloke
This month or last month ?


This month.

December was taken out later due to bank holiday.

But November was taken out on 28th as I phoned them up and specifically asked for that date when the contract started.
banned#3
Regardless of the above, if they have taken it early, inform your bank that you would like the funds returned (although that's probably a bit pointless) as it was claimed prior to expected date. As it's in dispute, your bank should refund immediately. You can then pay Orange again with the refund. Also request that the charges should be reversed. The bank should respect your wishes if yo have no history, otherwise see Orange directly.

If the funds were shown as being deducted on the 27th (evening) then that's fairly standard practice after normal banking hours.
#4
The computer automatically sets the "£25 charge" when it detects overdraw. If you've been with the Bank for a long time (or, if you've been a good and reliable customer) they will lend an understanding ear to your case. Try your local branch manager first....ask if he can "over-rule" the charge as a gesture of goodwill and point out that you will post a glowing report for them online. I've had two or three such 'incidents' with Abbey and they have always refunded the charge. :thumbsup: Good luck!
#5
aScottishBloke
Regardless of the above, if they have taken it early, inform your bank that you would like the funds returned (although that's probably a bit pointless) as it was claimed prior to expected date. As it's in dispute, your bank should refund immediately. You can then pay Orange again with the refund. Also request that the charges should be reversed. The bank should respect your wishes if yo have no history, otherwise see Orange directly.

If the funds were shown as being deducted on the 27th (evening) then that's fairly standard practice after normal banking hours.


I'll ring Orange now and see what they say.

I doubt i'll get anywhere with either Orange or my bank though!
#6
If you still have a copy of the DD mandate contact your bank and say you didn't authorise the payment and they will do a charge back to your account. Then you can argue you you were never overdrawn so claim your charge. I would also ask your bank about a buffer zone or overdraft on your account just in case this happens again.

Then you will need to contact orange about paying your bill.
banned#7
Your bank have no option but to refund under the direct debit guarantee scheme, although this may not apply to the charges and leave you no better off. However if the refund was made, then I'd expect it to be a no brainer re charges as this would be extremely hard to justify.
#8
Not meaning to sound picky, but perhaps you should move your DD date to the 30th just to be safe in future.
#9
i once got stung with that, it said on the DD form that £xx would be taken on or around the set date, meaning they could take it earlier!
banned#10
Know your rights - The Direct Debit Guarantee

Direct Debit is one of the safest ways of paying your bills. Organisations using the Direct Debit Scheme go through a careful vetting process before they're authorised, and are closely monitored by the banking industry. The efficiency and security of the Scheme is monitored and protected by your own bank or building society.
The Direct Debit Scheme applies to all Direct Debits. It protects you in the rare event that anything goes wrong.
The Direct Debit Guarantee

[LIST]
[*]The Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits.
[*]If there are any change to the amount, date or frequency of your Direct Debit the organisation will notify you (normally 10 working days) in advance of your account being debited or as otherwise agreed. If you request the organisation to collect a payment, confirmation of the amount and date will be given to you at the time of the request
[*]If an error is made in the payment of your Direct Debit, by the organisation or your bank or building society, you are entitled to a full and immediate refund of the amount paid from your bank or building society[LIST]
[*]If you receive a refund you are not entitled to, you must pay it back when the organisation asks you to[/LIST]
[*]You can cancel a Direct Debit at any time by simply contacting your bank or building society. Written confirmation may be required. Please also notify the organisation.[/LIST]
#11
Thanks guys. Am going to ring Orange now. Will let you know what they say.
#12
As above change your DD date, you should never have them on the same day as you expect to get paid. Days can easily shift with weekends and bank holidays etc.
#13
I phoned Orange and they said it was Alliance & Leicester's fault and then I phoned Alliance & Leicester and they said that they would refund it as a good will gesture but any other charges during the year must stand. I opted for the instant refund!
#14
Did you move your DD date while you were at it?
#15
moob
Did you move your DD date while you were at it?


Yes moved to 29th, although, I should have moved it to 30th. Will do that before end of month tho!
#16
Folks I work for a company that many of you view on TV and I can tell you that the DD garantee is a bit .........well i shal say short of the mark. It not the DD it's.....BOTH their faults!

BEST ADVISE :
Its clear enough as long as you ADD 3 days before and after the date you want, as Weekends and bank holidays WILL ( as I allways advise ) cause a payment to go early...........or late.

Bank :P on it going earlier, that why you push the date back. THAT WAY you won't go wrong

Additional : payments are requested 14days BEFORE its due, so take onboard what I have said.........ALLWAYS have it in early.
Think about it.
#17
Seriously how do newbies manage to dig up such old threads!? Its not eaxctly like the search function would have helped much!

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