The originator is responsible for presenting too many DD's to your bank (via their bank).I have singed a direct debit mandate with my ins broker for one direct bebt and not the others. How is it possible for them to keep taking money from my account without my concent or permission? Even after the mitake has been pointed out? Surley sombody is responsible?
Any feedback is greatly appriciated.
Thanks.
The collection of a Direct Debit
The Originator will inform the payer in advance of the amount and date of the collection. The minimum advance notice is 14 days unless the Originator and Payer agree a shorter period. The notice can take the form of an invoice or a one-off notice detailing a series of payments over a period of time.
The originator will electronically forward the Direct Debit to the payer’s bank who will make the payment provided there are sufficient funds in the payer’s account, the account accepts Direct Debits and the instruction has not been cancelled by the payer.
The payer can cancel or amend the Direct Debit instruction at any time by informing their Bank in writing. They can also inform the Originator. All correspondence should be retained.
The payer’s Bank will then inform the Originator of the cancellation or amendment.
If the instruction is cancelled no further collections are permitted.
If it is established that an unauthorised Direct Debit was charged to a Payer’s account the Payer is guaranteed a prompt refund by their Bank.
under the DD guarantee your bank will promptly pay back any unauthorised debit
And that seems to be where the problems arise. Your bank referring you to the originator, the originator referring you to your bank etc...If it is established that an unauthorised Direct Debit was charged to your account, you are guaranteed a prompt refund by your Bank of the amount so charged.
If is the case that the wording does authorise multiple DD's, then the problem is with the originator.promptly pay back any unauthorised debit
. So your bank MUST (should) assist you in getting the originator to present only the agreed one DD per month/week/year...Assist its customer in the resolving disputes with Originators
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