@coopbankuk_help co-operative direct debit charges

[timeforachange]

I recently had an account with co op. over the alst few years i have incurred multiple charges however recently i had some direct debits bounce and i ended up incurring 75pounds in direct debit fail charges which has in turn taken my account overdrawn which they are now threatening to close and forward on.

 

however with these direct debits i did attempt to cancel them but the website kept returning an error. not having a phone available these charges were then attempted and got me into this situation. as you can see from my other posts i am currently tackling issues with debt collectors and im not in a position to pay for these. is there anything i can do?

[BRIGADIER2JCS]

Do you mean £75 each time a DD fails or for

example £75 if on fails 3 times???

[citizenB]

Are you also advising that you attempted to cancel the DDs in order to avoid charges and the system wouldnt allow it ?

[johnvernon74]

When did you try to cancel the DD's? How much notice had you given bank. I know my bank requests 48 hours if done online or over phone. If its in their terms and conditions, Id suggest you speak to them and try to get them to refund.

[timeforachange]

i tried 2 days before but my bank says you can cancel on the same day however i kept getting the same error and that includes a dd i tried to cancel today.

 

i believe it was made up of multiple charges payday loan going haywire on my acc. for each dd i believe they charged 15 pounds.

[citizenB]

Ok, well if you tried to cancel within the banks own timescales and were for some reason prevented from doing so. Then you are covered by the DD guarantee and you must insist the bank refunds the money, removes any charges.

 

Also.. you might want to have a read of the following article regarding continuous payment authorities which Pay Day loans are pretty active with.

 

http://www.consumeractiongroup.co.uk/forum/content.php?850-Continuous-Payment-Authorities-How-to-stop-them#

[timeforachange]

any suggestions on how i can contact co op via email in regards to these charges - it would mean i am able to screenshot a copy of the error screen into my email then too. regards

[timeforachange]

anyone?

[BRIGADIER2JCS]

I would really recommend you do

this by post and send it recorded

delivery so you have a traceable

paper trail.

I can't find any e-mail address for

them.

[timeforachange]

seems like its gonna be the best option. thanks again this far

[timeforachange]

just phoned them to get the necessary address details, on he spo they refunded 30 pounds but said they would not be held responsible for the remainder of the charges as hey said i should have phoned advised i don have a telephone to use so not an option. is down from 80 overdrawn to 50 atleast its a start.

 

any good wrien templates on here that would suit my need at all?

[ForumFodder]

I personally have never experienced an issue with cancelling direct debits or standing orders. Had I needed to cancel some, and been unable to do so because the system didn't work, I would have hot footed it to the nearest phone or a different computer.

 

The bank offers internet banking as one of many services you can use to do you day to day banking. If one doesn't work, there's a branch or a telephone banking option for you. Also, you can contact the originator of the direct debit to cancel it at their end.

 

If the issue is still ongoing and you can't cancel direct debits I literally have no idea, the only thing you can't cancel is a standing order to one of their own loans, and trust me, they don't invent 'glitches' just so people will get charged. It is unfortunate what's happened but the best you can do is write a letter to have the complaints team look into it and perform a full investigation with the IT guys who monitor internet banking.

[caro]

I recently had a problem with a direct debit I have with smile, which is co-op's internet bank, with the wrong amount being taken for my smile credit card, which led to it being bounced.

 

I was very disappointed at the attitude towards me, because even though I claimed under the direct debit guarantee, it took several attempts before they believed that I hadn't been notified of the amount and had already made a payment, and I'd checked the previous day that the money would be available for the correct amount. I used to find them very accommodating but this has changed in the last few years.

 

Did you pursue this?