Nationwide playing Hardball???

[mahharg]

Hi campino

 

I noticed that you mentioned that it was partly third party (company). Are you aware of your direct debit guarantee. If the company takes money out of your account without your permission then YOUR BANK (not company are obliged to issue a full and IMMEDIATE refund hence you wouldn't have incurred charges. If a company changes a date they must give you at least 14 days notice.

[mahharg]

Dont let them fob you off they know it is them not the company that have to refund you. Let me know how you get on. I wonder if anybody has ever used the Direct debit guaranee to get their money back I haven't but I saw a program about it a few months ago.

[mahharg]

Direct Debit - Your rights

 

look at this just found it. Arm yourself before you dive in

[mahharg]

If any payment is made in error, you should contact your bank or building society who are responsible for giving you a full and immediate refund - even if the original error was made by the organisation collecting the payment.

 

Taken from link in #5.

 

Nationwide have let money go from your account without your permission. If as they were obliged to they gave you an IMMEDIATE refund you would not have gone overdrawn. I would go to your local branch and it is down to them.

[mahharg]

Q. Who actually controls Direct Debit payments?

 

A. The bank or building society that holds your account is responsible for all aspects of the running of that account. They are therefore answerable for all payments, including those made by Direct Debit.

 

I think we can safely conclude that the charge was incurred simply because of Nationwides error.

[mahharg]

If any payment is made in error, you should contact your bank or building society who are responsible for giving you a full and immediate refund - even if the original error was made by the organisation collecting the payment.

 

Q. Who actually controls Direct Debit payments?

 

A. The bank or building society that holds your account is responsible for all aspects of the running of that account. They are therefore answerable for all payments, including those made by Direct Debit.

 

These quotes are from link in #5.

I knew they would say something like that. Under the D/D guarantee they should not have even paid the D/D.

 

So let me get this straight they are charging you for an unpaid D/D which they did not have your permission to pay in the first palce. I think you should remind them of the T's & C's. I think you will be better off going into branch.

[mahharg]

The crux of their argument seems to be that I only cancelled the DD with the Third Party company - because I didnt specifically ring them, they seem to be taking the view that 'how are they supposed to know'

Hate to be the bearer of bad news but I think If you have failed to inform bank to cancel D/D If the company attempted to collect a fixed amount on the same day then the direct debit guarantee MIGHT not cover. I might be wrong here but not too sure.

 

The other issue is that their insurance means they can claim back monires wrognly claimed by DD's from the third party company, but I guess the actual charges are excluded from this.

If it is their error then I would demand the charge back. Their error they sort it.

[mahharg]

No ignore that last post about bad news it is their problem

If any payment is made in error, you should contact your bank or building society who are responsible for giving you a full and immediate refund - even if the original error was made by the organisation collecting the payment.

[mahharg]

Ask yourself a few questions

 

1) If they changed the date or amount without informing you then the bank must rectify it. So If they collected an amount different from what you agreed with them (£0.00 -cancelled) without informing you is that not the same in principal.

 

2) You do not have to inform the bank if the date or amount changes so why inform them if the amount changes to £0. Your argument to the bank(if you needed it) could be that you only cancelled it with the company and not the bank because it was only a temporary cancellation with a view to resetting it with the company the following month or so.

 

Remember

If any payment is made in error, you should contact your bank or building society who are responsible for giving you a full and immediate refund - even if the original error was made by the organisation collecting the payment.

[mahharg]

Good for you

BTW thanks for reputation remark like a little birthday present to me:D hence don't be surprised if I am not on here tomorrow might have a bit of an headache from my birthday drink(turned into a long weekend)