Direct Debit

dollytinsle · 20th April 2006, 11:55

Hi hope you can help. I am with alliance & Leicester and use online banking as I find this easier to keep track of my account. Yesterday I went on to my account as I do every day to check balance. My account showed a £40 direct debit ( which I had cancelled 10 days before) my available overdraft balance was £26 as the DD had not yet been dedutcted from this. I immediately went to my local branch and lodged £20 cash (before midday). then this morning I go to my account and see that they have bounced the DD and charged me £34. My MBNA (Alliance & Leicester) credit card DD has been taken out today for £68 eventhough this was set up to come out on the 28th (when my salary is lodged) This is also going to bounce today at a further £34 cost and then I will also receive a £25 charge for going over my overdraft. Please advise.......

bram stoker · 20th April 2006, 12:09

Firstly I would go into your bank and explain. You need a very good explanation from them as to why both these direct debits were taken out at that time.
Good luck.

dollytinsle · 20th April 2006, 12:15

Thanks for that on the phone now.......waiting........ fingers crossed.

Bovvered · 20th April 2006, 12:34

What happened?

Tinkerbelle · 21st April 2006, 08:53

Yeah what happened? Don't keep us in suspense!!

dollytinsle · 21st April 2006, 10:49

Hi rang A&L the explained that although on checking their records they see I did cancel DD almost 10 days ago the company had still requested their money - pause - I then said what is the point of cancelling a DD then if money can still be taken out. They said as an act of good will they would refund the cost. Which on checking today they have. However the MBNA DD is a different story........ I set my DD to come out on the 28th, when my DD came out yesterday I rang them to ask why it had came out so early, the girl I spoke to explained that it did say on my file that the DD was set up for the 28th and not to take it out any earlier as there would be insufficient funds but she would get the lady who set up the DD with me to ring me back. When this LADY!!!! rang me back she said it didn't matter what it said on my notes but the date we had set up was the 20th - I explained no way would I have agreed to this as I never have available fubds at that time of the month. RUDE would not be the word for this person - Customer services training has been wasted on her for sure. I asked to speak to someone in authority. No one available at that time but someone would ring me back later (when filled in on the story I'm sure). Manager did ring me back - a pleasant change in attitude to the previous person. She said if I faxed her my back statement she would refund any charges I had incurred - which I have done so I'll keep you up to date.

Thanks everyone - Wow what a great site - nice to know we're not alone......

Tinkerbelle · 21st April 2006, 11:17

Yay!!! So it looks as though it will be a positive result all round eh!

One question though...is she referring to your Credit Card statement or your Bank Account Statement? Would seem odd if it was for your Bank A/C !! Surely she should have all that to hand!

dollytinsle · 21st April 2006, 11:19

Hi - no its for my credit card

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