Forum Message

Topic: Re:Upbeat on medical cover, tubes, car and passport.
Posted by: James Roy
Date/Time: 27/09/22 00:36:00

Direct Debits

From the Banking Ombudsman site

"banking - direct debit guarantee
Direct debits are now a major part of daily life, with many people using them each month to pay their household bills. The direct debit guarantee is a powerful safeguard for customers. So it's important that firms make sure their staff understand its provisions.

Unfortunately, many do not. Here are some of the things firms have told customers (incorrectly) when problems have arisen:

'We don't operate the direct debit guarantee.'

'You'll have to contact the originating company for a refund.'

'We need a month's notice to cancel a direct debit.'

'The guarantee doesn't apply - because you haven't suffered a loss.'

If you pay by standing order, it is up to your bank to send the payment. If you pay by direct debit, it is up to the payee's bank to call for the payment, but you will rightly look to your own bank/building society to ensure the smooth running of any direct debits. Mistakes and errors are covered by the direct debit guarantee.

The direct debit guarantee applies to all banks and building societies taking part in the direct debit scheme. It says that:


If there is a change in the amount to be paid or the payment date, the person receiving the payment (the originator) must notify the customer in advance.
If the originator or the bank/building society makes an error, the customer is guaranteed a full and immediate refund of the amount paid.
Customers can cancel a direct debit at any time by writing to their bank or building society "

Your bank will get the money back from the bank of the person that raised the direct debit.  Some banks don't do it quickly, so remind them of the "full and immediate" terms of the Direct Debit Guarantee

Entire Thread
TopicDate PostedPosted By
Upbeat on medical cover, tubes, car and passport.23/09/22 12:23:00 Peter Crowther
   Re:Upbeat on medical cover, tubes, car and passport.23/09/22 12:30:00 Sean Wales
   Re:Upbeat on medical cover, tubes, car and passport.23/09/22 12:38:00 Keith Iddon
      Re:Re:Upbeat on medical cover, tubes, car and passport.23/09/22 12:51:00 Jayne Thorburn
         Re:Re:Re:Upbeat on medical cover, tubes, car and passport.23/09/22 12:55:00 Keith Iddon
            Re:Re:Re:Re:Upbeat on medical cover, tubes, car and passport.23/09/22 13:11:00 Vanessa Smith
               Re:Re:Re:Re:Re:Upbeat on medical cover, tubes, car and passport.23/09/22 13:17:00 Keith Iddon
                  Re:Re:Re:Re:Re:Re:Upbeat on medical cover, tubes, car and passport.23/09/22 13:31:00 Michael Adams
                  Re:Re:Re:Re:Re:Re:Upbeat on medical cover, tubes, car and passport.23/09/22 13:34:00 Peter Crowther
                     Re:Re:Re:Re:Re:Re:Re:Upbeat on medical cover, tubes, car and passport.23/09/22 13:46:00 Alexandra McDevitt
                     Re:Re:Re:Re:Re:Re:Re:Upbeat on medical cover, tubes, car and passport.23/09/22 14:08:00 Susan Kelly
                        Re:Re:Re:Re:Re:Re:Re:Re:Upbeat on medical cover, tubes, car and passport.23/09/22 15:24:00 Russell Pearson
                           Re:Re:Re:Re:Re:Re:Re:Re:Re:Upbeat on medical cover, tubes, car and passport.23/09/22 20:28:00 Stewart Jones
                              Re:Re:Re:Re:Re:Re:Re:Re:Re:Re:Upbeat on medical cover, tubes, car and passport.24/09/22 11:50:00 Keith Iddon
                                 Reply24/09/22 14:31:00 Michael Adams
                                    Re:Reply24/09/22 14:58:00 Keith Iddon
                                 Re:Re:Re:Re:Re:Re:Re:Re:Re:Re:Re:Upbeat on medical cover, tubes, car and passport.24/09/22 14:48:00 Adrian Irving
   Re:Upbeat on medical cover, tubes, car and passport.24/09/22 12:41:00 Basil Finnis
      Re:Re:Upbeat on medical cover, tubes, car and passport.24/09/22 14:07:00 David Burke
         Re:Re:Re:Upbeat on medical cover, tubes, car and passport.24/09/22 14:16:00 Jayne Thorburn
            Re:Re:Re:Re:Upbeat on medical cover, tubes, car and passport.24/09/22 14:26:00 Keith Iddon
               Re:Re:Re:Re:Re:Upbeat on medical cover, tubes, car and passport.24/09/22 17:24:00 Jayne Thorburn
                  Jayne24/09/22 18:26:00 Keith Iddon
                     Re:Jayne25/09/22 01:57:00 Jayne Thorburn
                        Re:Re:Jayne25/09/22 07:28:00 Stewart Jones
                  Re:Re:Re:Re:Re:Re:Upbeat on medical cover, tubes, car and passport.25/09/22 08:20:00 Michael Adams
   Re:Upbeat on medical cover, tubes, car and passport.24/09/22 15:34:00 david ward
      Re:Re:Upbeat on medical cover, tubes, car and passport.25/09/22 17:08:00 Janice Evans
         Re:Re:Re:Upbeat on medical cover, tubes, car and passport.25/09/22 19:15:00 Basil Finnis
            Re:Re:Re:Re:Upbeat on medical cover, tubes, car and passport.26/09/22 08:42:00 Stewart Jones
               Re:Re:Re:Re:Re:Upbeat on medical cover, tubes, car and passport.26/09/22 09:28:00 Michael Adams
               Re:Re:Re:Re:Re:Upbeat on medical cover, tubes, car and passport.26/09/22 09:38:00 Julian Pavey
                  Re:Re:Re:Re:Re:Re:Upbeat on medical cover, tubes, car and passport.26/09/22 09:57:00 Bill George
                  Re:Re:Re:Re:Re:Re:Upbeat on medical cover, tubes, car and passport.26/09/22 10:17:00 Michael Adams
               Re:Re:Re:Re:Re:Upbeat on medical cover, tubes, car and passport.26/09/22 09:55:00 Philippa Bond
   The near-impossibility of making a doctor's appointment26/09/22 10:44:00 Robert Fish
      Re:The near-impossibility of making a doctor's appointment26/09/22 11:32:00 Vivienne Cox
         Re:Re:The near-impossibility of making a doctor's appointment26/09/22 11:44:00 Lucy Chambers
            Re:Re:Re:The near-impossibility of making a doctor's appointment26/09/22 13:09:00 Janice Evans
               Re:Re:Re:Re:The near-impossibility of making a doctor's appointment26/09/22 16:15:00 Peter Evans
               Re:Re:Re:Re:The near-impossibility of making a doctor's appointment26/09/22 17:50:00 Anne England
                  Re:Re:Re:Re:Re:The near-impossibility of making a doctor's appointment26/09/22 19:11:00 Janice Evans
                  Re:Re:Re:Re:Re:The near-impossibility of making a doctor's appointment26/09/22 21:27:00 Stewart Jones
                     Re:Re:Re:Re:Re:Re:The near-impossibility of making a doctor's appointment26/09/22 23:04:00 Michael Adams
   Re:Upbeat on medical cover, tubes, car and passport.27/09/22 00:36:00 James Roy
      Re:Re:Upbeat on medical cover, tubes, car and passport.27/09/22 09:30:00 Philippa Bond
         Re:Re:Re:Upbeat on medical cover, tubes, car and passport.27/09/22 14:11:00 Julian Pavey
            Re:Re:Re:Re:Upbeat on medical cover, tubes, car and passport.27/09/22 14:58:00 Philippa Bond
               Re:Re:Re:Re:Re:Upbeat on medical cover, tubes, car and passport.27/09/22 20:27:00 Julian Pavey

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