Direct Debits

[telstar888]

Hello all,

I hope someone can advise me on this situation.

 

My direct debit agreement with TalkTalk has been for my phone and broadband account.

 

At the outset it was agreed that payment would be on the 7th of the month, mainly because I am paid on the last day of the month.

 

All was OK until March this year when I received a bank statement which showed that they had taken my payment on 2nd March(not a problem)

and another one on the 29th March which was returned due to lack of funds.

 

This resulted in my incurring a £15-00 charge from my bank.

 

I was under the impression that I should be notified in advance of any proposed change to the agreement. Any ideas?

[rebel11]

Hi tel

 

Welcome to CAG

 

The guys will be happy to advise as soon as they are available.

 

Please let us know how your problem has been resolved, it could help fellow Caggers.

 

Thread has been moved to the correct forum.

[greasmonkey]

if the instruction to your bank was for the 7th of the month

they should not have attempted to take it on the 29th

[pelham9]

Talk Talk are trying it on - if they get their money early their profits are higher.

 

They have taken two payments early and you must write to them and protest aand claim the £15 bank charge from them.

 

Personally I do not use DDs as this kind of abuse of the system is sadly only too common. It is much safer to set up a standing order from bank account with the payment on the 7th - your bank will stick to that date. If Talk Talk will not agree to this method of payment and pay you the bank charge then go elsewhere.

[raydetinu]

Speak to your bank as on the DD the date should say on or after the 7th and if they accepted the request before that date then your bank has made a mistake and they should reimburse you.