unauthorized payment taken

**raverbaby1** · 15th February 2007 19:10

Hi, wondering if anyone can advise? On the 10th of Feb i made a payment to my catalogue account using my debit card online. On the 13th of Feb i checked my bank account and they had taken the payment twice when i only authorized the one payment. I called them and was assured that the payment would be returned to my account within 24 hrs, it has now been two days so i called again and was told someone from their accounts department would call me and they haven't. I called them back and have now been told that i have to wait 10 days before the payment will be returned to me. It has really p****d me off because if i only had enough money in my account to cover one payment i would have ended up overdrawn and probably been charged by my bank, and if the extra money was needed for a dd etc... it would have been returned and again i would have been charged. Why is they can take the money so quickly but not return it as quick? Should i do anything about this?

Raver

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NATTIE · 15th February 2007 19:32

I am surprised they did not give you the authorisation codes for both transactions to take it up with the company concerned. Have you spoken to the catalogue company?

**raverbaby1** · 15th February 2007 20:03

Hi Nattie, yes the information above is what the catalogue company told me, i phoned my bank and they told me to take it up with the company or come into the branch and fill out a claim form.

Raver

NATTIE · 15th February 2007 20:18

so they are accepting they took the money twice? cheeky blighters!!

**IdaInFife** · 16th February 2007 19:47

This happened to me once and the catelogue company gave me the authorization number to take to bank so they could return it. Got me money there and then

**honey1968** · 17th February 2007 11:42

i had that problewm a few yrs ago with my hp company they ang and told me the direct debit icon

handnt been paid so i paid them over the phone with my debit card when i got home i checked my bank and they direct debit had been paid,i rang them the next day and told them it had been paid and i wanted the money returning as they had had two payments,she told me they couldnt return the payment and my term with them would be one month less,i insited she reutrn the money and gave her half an hour to sort it out and phone me back or i would be at the office the following morning and wouldnt leave until until i recieved a cheque,she rang me back and said they had put a cheque in the post,i told her i hope they had as i would be calling on her at the office within 24 hrs had the cheque not arrived and true to her word the cheque arived bot bad seeing as it was welcome finacne!

**jimbetch** · 14th March 2007 01:25

Hi all

Can any one tell me whether setting up an unauthorized direct debit icon

is a contrevention of the Theft Act Section 15A. Obtaining a money transfer by deception.

And if so, how is it covered in the Fraud act after the abolition of the deception offences in schedule 1.

In my case, the original offence took place in Sept 2006 and is therefore covered by the Theft act. I was alerted to it in Oct, but decided to leave the DDM in place as I was disputing the debt owed to the company which set it up and I didn't want to affect my credit rating or acrue any other charges if I was found to be in debt to the company.

So, an amount has been taken each month since, the last at the beginning of March. Are the debits Sept - Jan covered by the theft act, and Feb - Mar by the Fraud act, or do all debits obtained from an unauthorized DDM fall under the auspices of the act under which they were originally commited.

In effect is each debit a separate offence, or was there one offence (the fraudulent application to my bank for the DDM to be set up).

Quite interested in this one because a particularly nasty lender may have shot themselves in the foot.

**Movingon** · 14th March 2007 17:16

Originally Posted by jimbetch

Hi all

Can any one tell me whether setting up an unauthorized direct debit icon

is a contrevention of the Theft Act Section 15A. Obtaining a money transfer by deception.

And if so, how is it covered in the Fraud act after the abolition of the deception offences in schedule 1.

In my case, the original offence took place in Sept 2006 and is therefore covered by the Theft act. I was alerted to it in Oct, but decided to leave the DDM in place as I was disputing the debt owed to the company which set it up and I didn't want to affect my credit rating or acrue any other charges if I was found to be in debt to the company.

So, an amount has been taken each month since, the last at the beginning of March. Are the debits Sept - Jan covered by the theft act, and Feb - Mar by the Fraud act, or do all debits obtained from an unauthorized DDM fall under the auspices of the act under which they were originally commited.

In effect is each debit a separate offence, or was there one offence (the fraudulent application to my bank for the DDM to be set up).

Quite interested in this one because a particularly nasty lender may have shot themselves in the foot.

You have already had answers on this elsewhere. Stick to your own thread instead of hijacking someone elses.

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