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Geek Culture / Direct Debit help

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SpyDaniel
19
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Joined: 4th Feb 2006
Location: United Kingdom
Posted: 22nd May 2012 12:51
Was wondering if anyone here has any knowledge of Direct Debits and what you can do about them.

Basically I have a direct debit setup with Littlewoods, I paid my bill early this month and emailed them asking if it would come out again (basically charged twice in the month), they told me it wouldnt and the next payment would be the following month. Yet I checked my bank account and they took the payment and so causing a returned DD. This is now costing me £10 because of that.

Is there any thing I can do to get compensation from littlewoods for basically lying to me about not being charged twice? Or am I stuck with having to pay the Returned DD charge?
BatVink
Moderator
22
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Joined: 4th Apr 2003
Location: Gods own County, UK
Posted: 22nd May 2012 15:30
You are covered by the Direct Debit Guarantee. The company must refund you in full for your losses. Here is a good page on the Ombudsman site...

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

SpyDaniel
19
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Joined: 4th Feb 2006
Location: United Kingdom
Posted: 22nd May 2012 21:15
Thanks BatVink, I'll flash that site in the littlewoods customer support face.

They have a cheek, they have told me after I emailed explaing I had paid and I was told I would not be debited again, that I have also been charged £15 by littlewoods because I missed a payment? Missed? I don't think so, are they having a laugh?
Pincho Paxton
22
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Joined: 8th Dec 2002
Location:
Posted: 22nd May 2012 21:57 Edited at: 22nd May 2012 21:58
I was charged twice by 3 mobile, and it cost me £50. They paid me back without much fuss. Well actually they didn't charge me for 3 months.

SpyDaniel
19
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Joined: 4th Feb 2006
Location: United Kingdom
Posted: 22nd May 2012 22:16
Cancelled the directed debit with them, before they start taking money that isn't there again. I'm just going to pay manually from now on.

They emailed me back and said they are having some other department look into it :\
Nateholio
19
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Joined: 30th Dec 2005
Location: I\'ve Been Everywhere
Posted: 22nd May 2012 22:19
Quote: "They emailed me back and said they are having some other department look into it "


So they filed your complaint into the shredder.

In Development: K96 - Combat Simulation
Keep your Hope and Change, I choose individual Liberty!
Seppuku Arts
Moderator
20
Years of Service
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Joined: 18th Aug 2004
Location: Cambridgeshire, England
Posted: 22nd May 2012 22:22 Edited at: 22nd May 2012 22:30
Quote: "Thanks BatVink, I'll flash that site in the littlewoods customer support face."


Also, don't let them give you hassle, seriously, some of these businesses kind of rely on you to not know the law and will try and BS their way out.

It can be fun when you know somebody who knows the law and don't take any crap from their BS. The jobs my dad has had since leaving the air force has had him to learn many parts of the law inside out. It can be pretty entertaining to hear him on the other end of the phone to businesses and banks (heck, he worked for the banks for many years) who try to BS him. Even employers will BS like it.

Me and him had great fun editing my sister's resignation letter for her old job. Me for my writing skills and him for the law. It was a bomb. She wrote the original of course, but she lets us edit it (as her's was mostly just a rant).

Though, it doesn't always work. My dad didn't win against Ebay & Paypal as they were pretty stubborn and it wasn't worth trying getting a lawyer involved. However, it's good to know the law, it may work to your advantage, especially when people want to take advantage of you, most people tend not to like the idea of being accountable for breaking the law.

[edit]
Quote: "They emailed me back and said they are having some other department look into it :\"


It's always another department, large businesses tend to have so many departments that it's unreal getting sense out of them (well depends on the business - some will actually have a reliable HR department to deal with you). If you can, insist that you speak to the relevant department. Even trying to get employer references (when I was doing recruitment work) was a PITA with larger businesses because they'd forward your request but nothing would get done, so what I'd used to do was try and get through to the line of the person who'd be handling my reference and if I didn't receive something within a couple of days I'd ring them up - I'd have their name and department and know who I needed to speak to.

MrValentine
AGK Backer
14
Years of Service
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Joined: 5th Dec 2010
Playing: FFVII
Posted: 22nd May 2012 23:19
Sad thing is you learn about this sort of thing a tad too late often... but I believe there is like several years before you can not take action right?

also as this is a finance related thread I would like to add...

Quote: "
NEVER USE A DEBT MANAGEMENT COMPANY
"
they take 15-50%+ of your payments and land you in deeper water than you would otherwise be...

SpyDaniel
19
Years of Service
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Joined: 4th Feb 2006
Location: United Kingdom
Posted: 23rd May 2012 10:17
Thanks for all the responses, help and advice so far. I'm going to give them till tomorrow to get back to me, then I'm phoning them up to have a moan about their stupidity of a minimum payment being paid by a certain date, which it had been, well before it was meant to as well.
BatVink
Moderator
22
Years of Service
User Offline
Joined: 4th Apr 2003
Location: Gods own County, UK
Posted: 23rd May 2012 11:51
Quote: "Also, don't let them give you hassle, seriously, some of these businesses kind of rely on you to not know the law and will try and BS their way out. "


This is true, many unscrupulous companies have a policy of not processing complaints and returns. They have factored in the cost of the minimal number of people that will take them to court and know that it is cheaper to ignore complaints. Cost Benefit Analysis comes up with an immoral solution yet again!

I took JJB Sports to the small claims court over defective goods, and won. I also know that overall JJB Sports are winning because there are so few people who actually carry out the threat of court action.

Quote: "I'd have their name and department and know who I needed to speak to"

Again, very true, this is based on a sales tactic, putting a barrier between you and the decision maker. Break down the barrier by insisting on a contact name.

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