No, not the first payment. In Feb, we paid on the 3rd, but they are supposed to inform us 10 days beforehand as per the DD guarantee, which of course, they didn't.

Thank you so much, yes that does help..

Thank you for your reply, I will. If the co op refuse after the first letter, what's the general procedure with a bank, does anyone know? Is is worth chasing it? To be honest, they shouldn't be allowing companies to take unchecked payments out of bank a/cs, esp. if they see that the company has already taken payment that month...?? Would there be something about this in the DD agreement??

Thankyou. The due date would be the 5th April, this Thursday, so that isn't an issue here.

I have posted this in, what I hope was the relevant thread... Ok, Talk Talk took money from my partner's account as per the bill due on the 5th March. All ok so far. Then on the 29th March, they attempt to take out another payment that we had no prior knowledge of. We had no notification of this, so it was unexpected, and my partner had transferred money to my a/c to pay the rent, and hadn't received his wages yet, so there wasn't sufficient funds in the a/c. For this, he was charged an unpaid item fee by his bank ( Co op) for £15. When he called Talk Talk, they said there was no manager to speak to, and that this payment was taken out early due to the bank holiday, but the bank holiday isn't until the 9th March! So that's rubbish. Really, anyone any idea where we stand legally with this?? The bank suggest that we get Talk Talk to pay the £15! I can't believe that Talk Talk can legally just dip into your account whenever they want - twice in one month! I will write to them explaining the issue, but where do we actually stand with this, does anyone know?

Hi guys, Ok, Talk Talk took money from my partner's account as per the bill due on the 5th March. All ok so far. Then on the 29th March, they attempt to take out another payment that we had no prior knowledge of. We had no notification of this, so it was unexpected, and my partner had transferred money to my a/c to pay the rent, and hadn't received his wages yet, so there wasn't sufficient funds in the a/c. For this, he was charged an unpaid item fee by his bank ( Co op) for £15. When he called Talk Talk, they said there was no manager to speak to, and that this payment was taken out early due to the bank holiday, but the bank holiday isn't until the 9th March! So that's rubbish. Really, anyone any idea where we stand legally with this?? The bank suggest that we get Talk Talk to pay the £15! I can't believe that Talk Talk can legally just dip into your account whenever they want - twice in one month! I will write to them explaining the issue, but where do we actually stand with this, does anyone know, and what can we demand? Thankyou!

Hope someone cane help with this please:- My partner just got charged £15 by Co op, because Talk Talk tried to take some money out, there wasn't enough, so he got slapped with an unpaid item fee. Now he had already paid last month's Talk Talk bill, and they dipped in a second time to take some money out, they said, because of the bank holiday, which isn't until next week, so I know, we have an issue with Talk Talk that we must take up, but can I legally request that Co op refund my partner the charges? Would I need to follow the usual route of writing them a letter, then if that's no good, taking it to the ombudsman, or is this different? Any help greatly appreciated, thanks.