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Post Office Insurance-£20 charge for failed DD.


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first of all thank's for the help with BRIAN CARTER he has sent a letter saying they can't find any details of original debt.[ but will keep looking!!.]


the thing i want advice about is the G P O insurance. i cancelled a direct debit through lack of funds to save myself the £30 that the bank would charge knowing the gpo would also charge £20 for a returned d/d

costing £50 for a direct debit of £16.i rung the gpo and explained the situation and told them i had reenstated the d/d. they insisted on a payment over the phone by credit card for the £16 to keep my insurance running i agreed to this and gave my details to the operative and they took the payment.all sorted ? two days later they took £20 off the credit card without my permission as a charge for returned d/d is this legal? as i agreed to the £16 payment but nothing was mentioned about charges during the phonecall and can they take money from my card anytime they want now they have my details. thanks in advance.reacher51

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Did you update your BC issues in another thread ?


As regards your questions here-What does it say in the terms and conditions as regards failed/late payments ?

Most are now charging £12 for this.

Because nothing was done in writing its hard to prove that you were not informed there would be a further charge-or that you asked if there would be.

The PO are likely to maintain that it is in their terms and conditions.


I suggest that you put something in writing,asking for a breakdown of the £20 charge/fee and say that you do not consider it to truly reflect their loss for a failed DD payment.

Ask them to consider refunding it as a goodwill gesture.

Send it to the address listed in the policy docs for complaints and keep a copy.

Send recorded delivery too.


£20 is not a big amount,but better in your pocket than theirs-keep us updated.

Will look for a suitable forum to move this thread to.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.



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  • 10 months later...


Welcome to The Consumer Action Group.



I am just letting you know that as you haven't had any replies to your post yet, it might be better if you post your message again in an appropriate sub-forum. You will get lots of help there.


Also take some time to read around the forum and get used to the layout. It is a big forum and takes a lot of getting used to.



Once you start to find your way, you will soon realise that it is fairly easy to get round and to get the help you need.


It can be bit confusing at first.

Please be advised that my time will be limited for the next few weeks.Thanks for your understanding.

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