Bank debits..

[st3v3]

if a company takes out money from your account by debit; how can you stop this? I have asked the bank to put a hold on it; but they say as it's a debit there is nothing they can do. Direct debits are fine to be stopped but I gotta stop 1 going out friday and I can't..... its my fucking bank account why can't I control it?!. Any advice? Any bank guru's?

Bastids they are.

And thanks people.
____________________
Roger wrote: Women don't get damp for clingy puppies. Get some better happy pills, hit the gym & buy a medallion the size of a dinner plate. Job done

[Kickstart]

Hi

Read up on the direct debit guarantee.

https://www.financial-ombudsman.org.uk/publications/ombudsman-news/27/27-directdebit-guarantee.htm

All the best

Keith
____________________
Traxpics, track day and racing photographs - Bimota Forum - Bike performance / thrust graphs for choosing gearing

[ClaireBear]

Are you signed up for internet banking?

Im with HSBC and can cancel a direct debit going out online

[stinkwheel]

Tell them to either stop it or you withdraw all your money, close the account right now and carry out your future banking from a biscuit tin under the bed?

Difficult to debit money from an account that no longer exists.
____________________
“Rule one: Always stick around for one more drink. That's when things happen. That's when you find out everything you want to know.”
I did the 2010 Round Britain Rally on my 350 Bullet. 89 landmarks, 3 months, 9,500 miles.

[kitty kat]

I am with Lloyds TSB and have cancelled several direct debits online, no problem, I even phoned the bank manager and he cancelled one for me whilst I was on the phone.
____________________
Enjoy everyday, tell those you love everyday you love them
Life is too short to fall out with people

[st3v3]

It's not a direct debit, I once gave them my card details for a non direct debit, but there was a dis-agreement over an amount due and I am trying to stop them debiting the amount, like say when the insurance company takes payment over the phone.

If it was a direct debit, the bank would have cancelled it but they say because iv given my details over the phone they cannot do a thing.
____________________
Roger wrote: Women don't get damp for clingy puppies. Get some better happy pills, hit the gym & buy a medallion the size of a dinner plate. Job done

[MattHirst]

Draw all/enough money out so there isn't enough left in your account for them to take?

This probably won't work though, everytime i pay for something over the phone/interweb etc using my card, it never appears straight away (normally 2 or 3 days) but my 'available balance' almost instantly drops by the amount that is due.

So they probably won't let you withdraw all the money stopping the company taking what they are 'owed' essentially.

Have you actually tried ringing the company/person and speaking to them?
____________________
It's all fun and games until someone gets hurt, then it's bloody hilarious!!!

[piazza]

I've had this too.

I told them I had no idea what it was for and I never authorised it

They cancelled it??(it was for council tax arrears )

It had been going for 3 years

[iooi]

A debit/credit card is a guaranteed form of payment. There is no way to stop any company from debiting your account once you have given them your card details.

You maybe able to dispute the payment once its debited, so long as its a visa debit card and you can prove you agreed to one amount and they have taken a larger one.
But you would only be able to get the difference back and would need something in writing.

Never ever give your card details to any debt collection company or company you are in dispute with over owed money.

Offer to pay via cheque, cash or via a direct payment via bacs to their accounts.

Taking the cash out of your account could leave you having to pay bank charges.
Closing the account may not work as anything coming in could reopen the account. Now this could lead to the bank chasing you for the debt or if its returned to the co. They would then be able to go straight to court over the payment.
____________________
Just because my bike was A DIVVY, does not mean i am......

[st3v3]

Well, it's temporarily sorted now..

And, ta.
____________________
Roger wrote: Women don't get damp for clingy puppies. Get some better happy pills, hit the gym & buy a medallion the size of a dinner plate. Job done

[Shaun]

Report you card lost ya dick, hey presto, card details no longer work.

[st3v3]

Once I report it lost I obviously can't use it; It's rare I have time to queue in branch to withdraw cash from the cashier. Maybe on Friday I'll draw a few pennies out to last a week or so and do that.
____________________
Roger wrote: Women don't get damp for clingy puppies. Get some better happy pills, hit the gym & buy a medallion the size of a dinner plate. Job done

[tshort2007]

[st3v3]

This is what pretty much got said, although they told me they are not registered with the FSA because it's invoiced through an arrears service, not based on credit.

I asked about Trading Standards and quoted their terms at them which they drew a blank on, when I was told they had been in contact with trading standards they wouldn't tell me what they were advised, despite my request to be informed as such.

Bank won't touch it, told me that over the counter, not much I can do if the cashier won't help me with it; if I speak to a manager what would that achieve? I'm guessing my account will be held up for a while in suspension til the issue was resolved? Despite it being a considerable amount, I have literally just scraped through this month and It's not something I want to be doing again, I wouldn't be able to cope so I'm thinking leave it all as is and chalk it up to experience.
____________________
Roger wrote: Women don't get damp for clingy puppies. Get some better happy pills, hit the gym & buy a medallion the size of a dinner plate. Job done

[iooi]

[st3v3]

On that note, what if the amount was irrelevant but the fact they took an amount; wasn't agreed to? Would I have any stance to claim it back? Also with Bank charges, I'm sure when I go over my overdraft they can charge me an initial 'fine', and then charge me upto a week in 'fine's' after that, they cannot (i dont think) - what if they do?

It's Lloyds TSB by the way.
____________________
Roger wrote: Women don't get damp for clingy puppies. Get some better happy pills, hit the gym & buy a medallion the size of a dinner plate. Job done

[Kwaks]

I am with Lloyds, and have found them to be the best so far (I have fallen out with many banks and closed accounts ).

Hard to advise without full details, however if you used a Visa Debit card then why not contact visa? If the amount is over £100 you are protected.

As said, amount debited should have been the agreed amount, any different you should be opening a dispute.
____________________
Fallen Angel "Nae sniffing my seat now!!!!! "
www.cliqueycuntsmcc.co.uk
I AM NOT A FAST RIDER!!!!!!!!!

[st3v3]

I didn't 'agree' to any debit as such.

I hired a car and didn't know when they were taking it out. I called them and and said they should have informed me as per their terms what they were doing but they shrugged it off. I said I didn't mind paying at all as I'd used it but they weren't authorized to take 300quid in one go. Then they refused to refund any part because that's policy..... Their terms simply state that without payment of an account they suspend all hiring services, which they also did but I feel a bit conned having been left not paying some other bills and bank charges through the roof.

Further to this; I have an O/D limit of 450. They wouldn't increase that when I asked a few months back to 500 for the sake of it so why did they allow a payment go out that would exceed my agreed limit?
____________________
Roger wrote: Women don't get damp for clingy puppies. Get some better happy pills, hit the gym & buy a medallion the size of a dinner plate. Job done

[MattHirst]

This is getting confusing. So basically what you did was hire a car and not expect them to take the money for it?

When you hired the car, you should of asked them when the money would of been due out.
____________________
It's all fun and games until someone gets hurt, then it's bloody hilarious!!!

[st3v3]

Na Matt I'm not that daft or tight fisted lol; I knew they would and expected them to, but not the amount and not at that point. We were setting up a 'plan' cos i'd pranged it as of an earlier thread.. they virtually went against the arrangemets we were making.
____________________
Roger wrote: Women don't get damp for clingy puppies. Get some better happy pills, hit the gym & buy a medallion the size of a dinner plate. Job done

[iooi]

[Kwaks]

Yeah, my bad as CCA will not apply, however you are covered by Visa Chargeback which voluntarily gives you the same cover. (just not enforcible by law)
____________________
Fallen Angel "Nae sniffing my seat now!!!!! "
www.cliqueycuntsmcc.co.uk
I AM NOT A FAST RIDER!!!!!!!!!

[st3v3]

[iooi]

[lydanial]

not read the whole thread as im going to bed but a quick idea (well done it myself).

it seems you have got a debit set up on your card? phone the bank and tell them your card has been lost.

no other transactions will be made on it and you get a shiny new card with a new number etc.

speaking of which had to cancel my mums card today to her new savings account, it got hacked and they emptied it to the tune of £4k. never noticed as she never used it. used her card once to change pin they think they had a fake facia on the machine and she was just unfortunate.