Despite me being on a fixed plan it was suggested in my regular monthly statement
which shows me as having over £400 credit that I start paying double the DD amount agreed when I opted for it .
Forgot to say part of that amount is the £ 66 /67 we were told we would get monthly .
You’re very trusting giving your energy supplier the keys to your bank account Zuleika…
That’s what direct debits are in my opinion.
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I have never had a problem with a Direct Debit Instruction - and if I did, I am confident that The Direct Debit Guarantee protects customers in three ways - as a former Bank Employee, I know this to be true.
- Notifications - Customers must be notified in advance of each payment. Failure to follow the scheme rules can result in refunds under the Guarantee (or even a merchant being barred from the scheme). See our guide to taking payments for more details.
- Refunds - Customers are entitled to a full and immediate refund of any payment that has been taken in error.
- Cancellations - customers can cancel a Direct Debit mandate by contacting their bank. If any Direct Debit collections are made after the cancellation, a refund can be provided under the Guarantee. For more information see our guide to cancelling Direct Debit mandates.
Each of the above protections are enforced by the banks and so form an intrinsic part of the Direct Debit scheme. Refunds and cancellations are processed by the payer’s bank without prior discussion with the merchant.
The refund and indemnity claim process
Under the Direct Debit Guarantee, the rules around refunds are particularly strong. A customer can request a refund for any payment and, provided the bank agrees with the validity of their claim, the customer will receive an immediate refund. Further, there is no time limit on when claims can be made.
To request a refund under the Guarantee, a customer must notify their bank that they believe there has been an error with the collection.
The customer’s bank is entitled to investigate further to satisfy themselves that an error has occurred. If accepted, the bank will immediately credit the payer with a full refund. The bank will then notify the merchant, by raising an indemnity claim via a DDICA message with a reason code, available through Bacs.
The amount refunded to the customer will be reclaimed from the merchant automatically 14 working days later.
See Boot’s response re DD’s OGF . We get a DD Guarantee
I’ve never had a problem in all the years I’ve paid things this way That’s good enough for me .
What do you think the energy company is going to do with my account and sort code ?