Direct Debit taken without permission

[exclusivemember]

I have just checked my bank details on-line and a Direct Debit which I cancelled has been taken out. I went to my local branch on the 31st March 2010 and spoke to the manager and told him that I had an going dispute with Scottish Power and I have cancelled my DD with them until my dispute is sorted out.

 

I was sent a final bill from Scottish Power and the dates did reference numbers did not tally. I was with SP and now with BG, but SP have taken money from my account without my permission, making me go way over my overdraft limit.

 

I told my bank manager not to let this DD go through and he said that it would not as my account was showing that I had canceled the DD with SP.

 

So what SP have done is created a account in my name and taken money out of my account. Is this not fraud. I even told the bank manager that SP have not got the right reference number and he assured me that the DD would not go through.

 

I am absolutely fuming and want to complain, but who do I complain to. I expect I should complain against my bank manger and SP. Any help please?

[rebel11]

If you want more info from them, you can send a SAR which costs £10.

 

Stage 3

 

Scottish Power Customer Complaints

 

http://www.energy-ombudsman.org.uk/

[exclusivemember]

If you want more info from them, you can send a SAR which costs £10.

 

Stage 3

 

Scottish Power Customer Complaints

 

Energy Ombudsman : Home

 

 

Thanks rebel11 but I think that would take too long. I maybe need to write a letter of complaint to my bank manager first.

[rebel11]

O.K. it shouldn't be a problem claiming the money back

Direct Debit Guarantee

 

http://www.bacs.co.uk/Bacs/Consumers/DirectDebit/HelpCentre/Pages/default.aspx

Edited April 2, 2010 by rebel11

[walkinthepark]

You should be able to get your money back. This has happened to me but I've always got it back when I've complained. I go down the Standing Order route now.

[unclebulgaria67]

Agree with Rebel

 

Your bank have to refund you immediately under the DD Guarantee. All you need to do is speak to your bank and they should do this. They will just return the payment to SP and put the account back to the position it was before the payment went through. So any fees or charges the bank have applied will be waived.

[palomino]

rebel11 : the Banking Code died last November. It was replaced by the Lending Code which is much the same - except that breaches of it cannot be used as the basis for complaints to the FOS.

[rebel11]

rebel11 : the Banking Code died last November. It was replaced by the Lending Code which is much the same - except that breaches of it cannot be used as the basis for complaints to the FOS.

 

Thanks I've deleted the link, I stand corrected.

[exclusivemember]

Thank you all for helping. I think I should complain to my bank manager as he confirmed to me that my DD had been canceled and that SP would not be able to take out any money, I also showed him that SP had made another reference number to my account which was not the same as my original one.

 

I will ask him to refund that money taken from SP back in to my account.

Edited April 2, 2010 by exclusivemember

[exclusivemember]

DateTypeDescriptionPaid inPaid outBalance 11 Jan 2010INT21DEC A/C

 

- 10.64 11 Jan 2010 CHG 21DEC A/C

- 20.00 11 Feb 2010 INT 21JAN A/C

- 11.54 11 Feb 2010 CHG 21JAN A/C

- 20.00 12 Mar 2010 INT 21FEB A/C

- 11.71 12 Mar 2010 CHG 19FEB A/C

- 20.00

 

 

Is it OK for the bank to charge this much of interest and charges and charge double payments in one day?