morpheus22
Member
Registered: 10th Oct 05
Location: sheffield
User status: Offline
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just got a letter from my bank stating i owe two direct debits the letter is dated 16th of october and i only got it today, is this the normal amount of time it should take for me to get the letter??. and they have charged me £35 "for considering and returning the above items" how many times can they charge me £35. i get paid this friday coming.
[Edited on 21-10-2008 by morpheus22]
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Cosmo
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Registered: 29th Mar 01
Location: Im the real one!
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They can charge you it for each item. Give them a ring if its not a normal thing for you and they will sometimes refund it in good faith. Failing that, wait a few months until the appeal has gone through court and you should be able to reclaim it all from them.
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morpheus22
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Registered: 10th Oct 05
Location: sheffield
User status: Offline
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so say the company whome i have direct debits with try and take the money out again they can/will charge me another £35
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Cosmo
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Registered: 29th Mar 01
Location: Im the real one!
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Yep, if you havent got the money in there the next time too. You could ring the company trying to take the DD and have a word with them.
I once fucked up when moving bank accounts and didnt change an old credit card that I had next to nothing on. They tried taking the (about £7) DD from that account about 6 or 7 times before I even noticed 
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morpheus22
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Registered: 10th Oct 05
Location: sheffield
User status: Offline
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 im pretty certain one is my car insurance. but the other i have no idea all it says on the letter is premium credit ltd on both direct debits. this is all i need so close 2 xmas
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Cosmo
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Registered: 29th Mar 01
Location: Im the real one!
User status: Offline
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Get the DD cancelled then or they will just keep trying. If its your car insurance though then not paying it could mean it'll get cancelled!
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morpheus22
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Registered: 10th Oct 05
Location: sheffield
User status: Offline
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it does state on the letter they have cancelled the payments just tried ringing insurance but there system is under maitenance 
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Sam
Moderator
Premium Member
Registered: 24th Dec 99
Location: West Midlands
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quote:
Originally posted by morpheus22
it does state on the letter they have cancelled the payments just tried ringing insurance but there system is under maitenance
So what happens if you wanted to make a claim?
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CCA
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Registered: 6th Dec 04
Location: Somewhere Drives: Not a bloody Vauxhall!
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If its premium credit they will have to legally notify you before representing a dd, normally they will give you 7 days notice.
If this actual insurance company has applied for the dd they would send a arrears notice giving 10 days and after that a cancellation will be processed
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morpheus22
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Registered: 10th Oct 05
Location: sheffield
User status: Offline
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cheers matey i havnt yet recieved a letter from my insurance. if i do. do i get 10 days notice from the day i get the letter?.
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CCA
Member
Registered: 6th Dec 04
Location: Somewhere Drives: Not a bloody Vauxhall!
User status: Offline
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you'll get 10 days from the date of default and the letter will state the date of cancellation on there.
Would be better for you to call them and say you thin you've defaulted but there may have been an auddis problem with the bank as a few ddms defaulted the same day.
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