NAEDO Question

[neoprema]

For anyone who might know the actual laws regarding this please?

I have an account on the side, that I use for certain things. Amongst them are 2 debit orders.

Since I can only put money into that account on certain times (and i forget) I asked the 1 company to change the debit order date which lines up to when i do my banking, transfers etc. I gave them 10 days notice to change it. (which was 14 days before the actual debit-order due date)

They replied saying they cannot change it now, only the month after next. Question 1 - Can they just choose when to change it at whim? Is 10 days not sufficient notice?

So the debit order failed. They emailed me to say the debit order failed, when can they re-run it. I got busy at work (my fault i know) and forgot to reply and now they sent an email saying they have loaded the debit order tonight (yesterday) because they did not hear from me. I had not funded the side account yet.

Again, I thought you can only re-submit a debit-order adhoc when there's consent from the client? Not replying is not considered consent?

Question 2 - the Banking Ombudsman PDF on Debit Orders says an automatic re-debit order can only be done on the scheduled collection date as a separate debit, anything adhoc must have consent from the client. Is it considered consent if they asked me for a date, I don't reply in 4 days so they just pick that same day and load it and say its being re-run because i didn't answer?

Its just irritating because I knew this would happen and I asked them to please change the debit order date last month... you would think 10 days to change a debit order is not rocket science, since they seem to be able to reload them in seconds...

 

[neoprema]

So, i just noticed on my Bank, when i go to STOP Debit orders, i can see the date the debit order was loaded on DebiCheck - it was 3 days AFTER I asked them to change the date and they said they can't... the incompetence is rife

 

[SauRoNZA]

And this is why we avoid debit orders at all costs whenever possible.

 

[neoprema]

And this is why we avoid debit orders at all costs whenever possible.

Yeah but once you signed to have one, you can't do squat about it. I tried once and was told debit order was the only allowed method of paying the account...

 

[SauRoNZA]

Yeah but once you signed to have one, you can't do squat about it. I tried once and was told debit order was the only allowed method of paying the account...

And that’s when I find another provider.

 

[Tomtomtom]

I notified them in writing to cancel my subscription and still the debit order went through.

So I reversed it online. And then again the next one.

Few weeks later a guy called all friendly and said let's set up a repayment plan, maybe 10% off? I told him it'd have to be 100% off, there was no repayment to plan, and put the phone down.

Never heard from them again.

It's not a big deal. Just stand your ground.