Santander re-instated cancelled d/d ?!?

[crazyfox]

Hi ,

I hope someone can give me some advice..

 

I recently entered into a debt management program with Step Change

as I can not afford the repayments on my personal loan with Santander.

 

I cancelled my d/d online (my bank is Natwest) filled in the income / expenditure form a

nd sent it to Santander after my April payment went out(giving them notice) a

nd sent an offer letter of £1 a month subject to review in 6 months

and enclosed a cheque for said amount for my initial payment.

 

I received a letter asking me to telephone Santander

however I wrote to them asking for all correspondence to be in writing.

 

They sent me a letter towards the end of April agreeing to my/Step Changes Terms

and I felt like all the weight had been lifted!!

 

Today I have checked my account and Santander have re-instated my d/d

and taken£189.00 (original repayment) leaving me potless!!

 

I guess what I want to know is can I get my money back and how I approach them??

 

Thank you in advance.

[maroondevo52]

Hello and Welcome,

 

I have moved this thread to the appropriate Forum.

 

Regards,

 

Scott.

[banked]

Hi ,

I hope someone can give me some advice.. I recently entered into a debt management program with Step Change as I can not afford the repayments on my personal loan with Santander. I cancelled my d/d online (my bank is Natwest) filled in the income / expenditure form and sent it to Santander after my April payment went out(giving them notice) and sent an offer letter of £1 a month subject to review in 6 months and enclosed a cheque for said amount for my initial payment. I received a letter asking me to telephone Santander however I wrote to them asking for all correspondence to be in writing. They sent me a letter towards the end of April agreeing to my/Step Changes Terms and I felt like all the weight had been lifted!! Today I have checked my account and Santander have re-instated my d/d and taken£189.00 (original repayment) leaving me potless!! I guess what I want to know is can I get my money back and how I approach them?? Thank you in advance.

 

You need to explain to your bank that the money was taken unauthorised and insist they do an indemnity claim under the direct debit guarantee scheme. They are obliged to do this in unauthorised or incorrect claim cases but they will try and avoid it.

[maroondevo52]

Agree with the above.........

 

The direct debit guarantee applies to all banks and building societies taking part in the direct debit scheme.

If the originator or the bank/building society makes an error, the customer is guaranteed a full and immediate refund of the amount paid,customers can cancel a direct debit at any time.

[dx100uk]

yrp dd guarantee without doubt

 

dx

[Conniff]

If you owe Santander and are having income paid into them, it might be wise to open an account somewhere else and have your income paid into the new account.