tag:blogger.com,1999:blog-3993498847203183398.post1583023409289635201..comments2024-03-28T09:19:27.451+00:00Comments on RevK<sup>®</sup>'s ramblings: Direct DebitsRevKhttp://www.blogger.com/profile/12369263214193333422noreply@blogger.comBlogger5125tag:blogger.com,1999:blog-3993498847203183398.post-19598919295323209062013-12-04T21:49:37.131+00:002013-12-04T21:49:37.131+00:00Just check that, if a record was added to a credit...Just check that, if a record was added to a credit file, it has been removed entirely, and not simply marked as "satisfied"!Anonymoushttps://www.blogger.com/profile/18427000118752159232noreply@blogger.comtag:blogger.com,1999:blog-3993498847203183398.post-83475067589697210922013-12-04T12:59:19.972+00:002013-12-04T12:59:19.972+00:00I've just had an email from a well known Elect...I've just had an email from a well known Electricity company. At 19:18 on the 3/12 they sent me an email advising of a change to my direct debit amount for a collection on.... 3/12.<br /><br />Really?Nickhttps://www.blogger.com/profile/07625353381741797754noreply@blogger.comtag:blogger.com,1999:blog-3993498847203183398.post-58207586708548597862013-12-02T21:54:22.651+00:002013-12-02T21:54:22.651+00:00To beat this absurdity, my mother had a company *i...To beat this absurdity, my mother had a company *instruct* her to go to the branch and reverse a Direct Debit payment that had gone through: "we took £250, but should in fact only have taken £215. To fix this, go to your branch and have the £250 reversed, then make a manual payment for the correct sum, £215. This will clear the balance and stop us sending threatening letters because we owe you £35." The obvious solution, refunding just the £35 overpayment, is apparently beyond their abilities, as is refunding the incorrect payment themselves as opposed to the customer reversing it, as is collecting the correct sum themselves - and they said themselves their current loan management software cannot distinguish between excess credit balances and overdue debts, with the result that both trigger big red-ink-laden collection letters.<br /><br />To cap the absurdity, the company in question is ... the bank itself. The first visit produced "ok, we'll just get the excess £35 refunded to you, sorry about that" from branch staff. A month later, a letter about the overpayment produced "oh yes, that's just a mistake, it's been sorted out, ignore that letter" from them on the phone. The month after that, branch staff finally got the DD payment reversal submitted and the correct payment made - after which, the call centre guy finally called back and said in somewhat mangled English "well, now you've cleared the arrears it's ok, we will remove the black mark from your credit record". That didn't go down well either.jas88https://www.blogger.com/profile/05563592458314214904noreply@blogger.comtag:blogger.com,1999:blog-3993498847203183398.post-77383356573659448542013-12-02T19:41:41.494+00:002013-12-02T19:41:41.494+00:00Barclays are OK if you go in to the branch and fin...Barclays are OK if you go in to the branch and find someone with a clue, but that is hassle. I have taken to writing to the branch asking for the reclaim. Takes an extra day, but is easy to do when you have a post room and postal collection at the office. At first they were not keen on letters for some reason but I got cross and they now just do what I say. Simples.RevKhttps://www.blogger.com/profile/12369263214193333422noreply@blogger.comtag:blogger.com,1999:blog-3993498847203183398.post-61763422674890679562013-12-02T19:29:50.465+00:002013-12-02T19:29:50.465+00:00What annoys me no end is that NatWest reliably mak...What annoys me no end is that NatWest reliably make clawing back money under the Direct Debit guarantee nearly impossible. You have to really press them in order to get them to uphold the Direct Debit rules :(Anonymoushttps://www.blogger.com/profile/05002814762467011430noreply@blogger.com