How do you deal with a Direct Debit taken in error?
Discussion
I recently noticed that a large courier company (with whom we have a relationship and a DD) took money from my business bank account via DD that I couldn't reconcile. I queried it and when they sent me details of the transaction it turns it turns out that the bill they had charged me for was actually for a delivery by another firm in our building and had nothing to do with us and just because we have the same postcode and address they mistakenly applied it to me!
Taking a DD in error is, I think, viewed as a pretty serious transgression by banks - am I right? Before I contact this courier company to straighten this out, what are my options here? Obviously they will give the money back but what rights have I got for further compensation if any?
This courier company has in the past done very wrong by us I feel so I'm a bit aggrieved with them so I'm keen to see if I have leverage from this situation. Does it just get brushed off as "a clerical error" by banks or is this viewed as a much more serious issue?
Taking a DD in error is, I think, viewed as a pretty serious transgression by banks - am I right? Before I contact this courier company to straighten this out, what are my options here? Obviously they will give the money back but what rights have I got for further compensation if any?
This courier company has in the past done very wrong by us I feel so I'm a bit aggrieved with them so I'm keen to see if I have leverage from this situation. Does it just get brushed off as "a clerical error" by banks or is this viewed as a much more serious issue?
There is an indemnity scheme for DD's that the banks and companies adhere to.
If the company are being difficult contact your bank and they *should* refund the amount without any hassle there has clearly been an error.
In my experience DD's are tightly controlled and you are protected but it also goes both ways and banks can't refund DD's without a reason for those less responsible customers.
If the company are being difficult contact your bank and they *should* refund the amount without any hassle there has clearly been an error.
In my experience DD's are tightly controlled and you are protected but it also goes both ways and banks can't refund DD's without a reason for those less responsible customers.
seaninog said:
Obviously they will give the money back but what rights have I got for further compensation if any?
This courier company has in the past done very wrong by us I feel so I'm a bit aggrieved with them so I'm keen to see if I have leverage from this situation. Does it just get brushed off as "a clerical error" by banks or is this viewed as a much more serious issue?
Exactly what are you looking for compensation for? Provided the money is returned then you have not lost anything. Perhaps you could ask them for one free delivery?This courier company has in the past done very wrong by us I feel so I'm a bit aggrieved with them so I'm keen to see if I have leverage from this situation. Does it just get brushed off as "a clerical error" by banks or is this viewed as a much more serious issue?
Secondly, if you have had problems with this courier in the past why are you still using them?
Mistakes happen, get over it.
In case you had not realised I am not a supporter of the 'where there is blame there is a claim' culture imported from the abroad.
KevinCamaroSS said:
Exactly what are you looking for compensation for? Provided the money is returned then you have not lost anything. Perhaps you could ask them for one free delivery?
Secondly, if you have had problems with this courier in the past why are you still using them?
Mistakes happen, get over it.
In case you had not realised I am not a supporter of the 'where there is blame there is a claim' culture imported from the abroad.
Same. Why would you expect any 'compensation'?Secondly, if you have had problems with this courier in the past why are you still using them?
Mistakes happen, get over it.
In case you had not realised I am not a supporter of the 'where there is blame there is a claim' culture imported from the abroad.
Get your money back, move on.
Butter Face said:
KevinCamaroSS said:
Exactly what are you looking for compensation for? Provided the money is returned then you have not lost anything. Perhaps you could ask them for one free delivery?
Secondly, if you have had problems with this courier in the past why are you still using them?
Mistakes happen, get over it.
In case you had not realised I am not a supporter of the 'where there is blame there is a claim' culture imported from the abroad.
Same. Why would you expect any 'compensation'?Secondly, if you have had problems with this courier in the past why are you still using them?
Mistakes happen, get over it.
In case you had not realised I am not a supporter of the 'where there is blame there is a claim' culture imported from the abroad.
Get your money back, move on.
I shall, as they say, "build a bridge and get over myself". Thanks for the good counsel.
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