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Bank charging £19.50 is this correct


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I have been charged £19.50 for sending back a direct debit for 5.00, I put the money in my account on the day that the charges were going out it was cash that I made to the bank. Therefore the money was in my account at the end of the day but when I note that the made this charge of £19.50 for retuning the direct debit, I contacted them they told me that the money should have been in my account the day before the direct debit was due to go out of my account.

 

I cannot see how they can charge for some thing when my money was there for them at the end of the working day.

 

Any advice on this would be appreciated:mad:

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yep, 2nd for the last two months has been a Monday so due date is probably 1st of the month which for feb and March fell on a Sunday so would have monday's date(2nd) for those two months.

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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This is the standard reply from the bank, and since the payment is automated and if funds are not in the account at the time the automated payment is run, then it will be bounced.

 

However, this doesn't mean you cannot contest the charge because if it is totally automated (ie when the payment was automatically bounced due to insufficient funds) then there is no manual intervention and that charge becomes a profitable fee.

 

One thing to check is if the DD came out on the correct day or if it was requested and paid early in which case you should contact the company who the DD is paid to.

 

I think however there's a clause in DD's that allow them to be taken out 'on or around' a date, which I believe is to allow for weekends/bank holidays.

 

eg if it was due on 10th of the month, I think they can request it to be paid on 9th April.

 

Most companies that I've dealt with seem to request payment on the next working day.

 

I am only suggesting this however - you would still need advice from someone who is absolutely sure about the legal situation re DD payments/timings.

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May thanks for reply, I contacted the company about the date that they put in for account after they wrote to me confirming that they bank had not paid the DD.

 

The confirmed that they put in for the DD on the 1st of each month to be paid on the 2nd of the month.

 

Now the money was put into the bank on the 1st April and it should have been paid instead they did returned the DD and charged me £19.50. After a phone call to them they said that the DD had to be paid on the 1st April.

 

What should I do next please should I write to them or phone them again.:mad:

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Think you'll find that if its the co-op it is taken out at 1 min past midnight so it does need to be in the day before, I used to bank with them thats how I know, it happend to me but as I was at the bank for opening they didn't charge me if I had gone later in the day they would have.

Most DD do say on or around the whatever date and if it falls at a weekend most take it out the next working day odd ones take it out the day before eg Friday.

DG:)

I have no legal training my knowledge comes from my personal life experiences

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Think you'll find that if its the co-op it is taken out at 1 min past midnight so it does need to be in the day before, I used to bank with them thats how I know, it happend to me but as I was at the bank for opening they didn't charge me if I had gone later in the day they would have.

Most DD do say on or around the whatever date and if it falls at a weekend most take it out the next working day odd ones take it out the day before eg Friday.

DG:)

Direct Debits are payments which the company claim through the BACS system and which the bank in all honesty either pay or bounce. They don't initiate payments.

Standing Orders are set up by the customer and therefore they have more control over. However, if the 1st falls on a weekend they can show up before the due date with some banks but not all of them.

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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i cannot see how the cooperative should charge me commission on my DD and not paying it as I lodge cash with them at 2pm on the 1st and that was the day that the compnay put infor the DD and for it to be paid the next day.

 

This is what the cooperative say about directi debit in their terms and conditions.

"When you pay cash into your account at any of our branch counters or with your card at a post office the money will be available that working day provided payment in is before 4.30pm. Cash paid in after 4.30pm will be credited to your account the next working day.

 

4.5 If you have instructed us to make an automated payment, such as a standing order or direct debit, the payment will normally be deducted immediately but can be reversed, for example, if we suspect error or fraud. It may take up to 3 working days before the payment reaches the payee."

 

Am I reading this wrong.

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