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Cancelled direct debit charges

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About 6 months ago my business account was transfered to santander from nat west.

 

I september I was unable to earn due to ill health and so that I had control over my account

I cancelled my direct debits with the intention of informing the payees that I had done so and that I would pay them via debit card.

 

In october I incured £280 charges for bounced direct debits.

 

I informed the bank that I had cancelled the direct debits but they said that I should have told the companies not to claim them.

 

All my bills got paid by debit card and I thought everything was ok.

 

This month I got £240 bank charges on direct debits that where cancelled 3 months ago.

 

Am I wrong in assuming that once a direct debit is cancelled with the bank then the bank are honoured not to pay it even if the company claim it?

 

If Im right then why the charges?

 

Surley if these companies had tried to claim on the cancelled direct debit the bank should inform them that there is no direct debit in place

and not pay it because it is cancelled and not because there are no funds to pay it.

Where do I go from here?

Any help gratefully received

 

John

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oh yes!

 

go get 'em under the DD guarantee [the bank that is]

 

andget those charges back too.

 

BCOBS might well help as well

 

dx


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If anyone was entitled to charges, it would have been those you were paying, not the banks. They really are an institution unto themselves.

 

There can be no other private company in the world whose sole goal in life is to rip people off. It's about time an alternative to banks was introduced.

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The same thing happened to me. They say its because those charges are for bills which have been incurred before you cancelled your direct debit.

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WRONG!!

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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jocko..

 

tip...start your OWN THREADS

 

i notice you are going around joining various other members ones

 

it not polite to hi-jack someone elses threads

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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well I can't start threads yet!! : ( but anyway I'll keep it mind dx

 

you can start threads at anytime

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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