quote:
Originally posted by saralk
On the 10th, i realised that I didn't have enough money in my bank account, so i went on the network's site and paid that months bill by card.
They still charged me, even though my account was fully paid for.
Well 5 days should suffcient. Before a DD comes out it goes through a system called BACS a couple of days before, which cannot be stopped under any circumstances.
quote:
Originally posted by saralk
quote:
Originally posted by MC Inferno
I've worked a little in accounts so I know a LITTLE on DD's. When was the DD due date, and when did you pay the phone company? Plus, did you inform your own bank to cancel this month's DD?
The direct debit isn't an order to take the same amount each month, they take how ever much I owe every month. At that point, i owed £0
That's irrelvent really, because you've paid the phone company and therefore they should of stopped the DD.
quote:
Originally posted by Sunshine
If you had notified the mobile phone network before withdrawal time and they still charged then you "might" have a case
Well, thats true but it depends... Y'see,
MOST systems dont have DD's and payments connected together because DD systems are really dicky to be honest. Did you explain to the phone company that you have a DD set-up and that it didnt need to come out on the 15th this month, or did you just make the payment?
If not, the auto-system might not of have been adjusted for this month. If the person at the phone company didn't realise you still had a DD to come out, theres a possiblity that the DD didnt adjust accordingly and they can say its your fault for not pointing it out to them. If they decide its not their fault and that the payment shouldn't of came out, they should be able to reinburse you the bank charge (and companies are allowed to do this, because I have in the past, whilst some say its against the law).
It's not really down to the bank, you need to deal with the phone company.
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