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Direct debits on the 1st


tosh1
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Hi

 

I have found myself in a situation where all my direct debits come out of my current account on the 1st of September but

I will not be paid by my employer till the 2nd.

 

I am already using the full extent of my overdraft and have maxed my credit card.

 

The way I see it I have the choices below -

 

1, Take out a loan which I don't want to do.

2, Cancel the direct debits and pay the direct debits once the money comes by debit card and then re-instate the direct debits.

3, Contact my mortage company and tell them to wait but if I do and they say NO then they might not lend me the money

 

Can anyone put some input in this?

 

Thank you in advance

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You could write to the companies and explain the situation - ask if you can change the DD date.

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have you not got internet banking?

 

all I do it cancel the old one and set up new ones on the date required.

 

mostly the people that want the money don't even notice.

 

what are all these DD's

 

have you got many debts?

 

can we help?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 1 month later...
Read my thread you seem to have the same position as me. How did it go?

 

 

please stop spaming the forum

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Reason I wrote was that my bank did the same. However as an ex-bank employee myself. I was able to get the matter sorted. Only thing is that if you get paid on the 2nd then you need to inform the bank and Mortgage lenders to readdress the payments date to 3rd or 4th. However if you are like myself and get paid every four weeks (not on same day). Then you have a problem. So I would ask the mortgage lender to give you a weeks grace and pay over the counter in cash or via your card. However this may involve further costs on your part as the mortgage lender may charge an additional fee for this service. Bottom line see Bank and get it agreed in writing. Or if you can afford it ask a solicitor to help you.

 

 

I am no spam. We ALL HAVE QUESTIONS THATS WHY THIS SITE WAS SET UP.

 

 

The Fact that you are so hostile on defenceless persons makes me wonder are we reading the blog of a banking Official?

because your propaganda attacks on an individual was made to intimidate and ridicule!

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...

The Fact that you are so hostile on defenceless persons makes me wonder are we reading the blog of a banking Official?

because your propaganda attacks on an individual was made to intimidate and ridicule!

 

I agree. It's unfortunate that a member of the site team would react like this to a new member.

 

But what can you do. I expect your post to be edited and mine to be deleted. Certain members of the site team are happy to do this in order to cover their own backs.

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