Yes they can they do and yes it is wrong but who will do anything about it? The present systems saves the banks many millions by not employibg anyone to check the mandates that we would need to see if the present system was shut down. Just remember go to your bank tell them you have no knowledge of the D/D and that you want to be refunded. They will do this straight away then you can fight your battle with the telecomms people.
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Ta for that. I cancelled the new arrangement as soon as I noticed it. I await whatever happens next but they will regret it when my contract is up in a couple of months and its free MACs all round.
Remember every little helps.
Jim A
Well, if I utilise my bank's online services, I can bring up a list of DD mandates that I've cancelled, and against each of them is the option to 'reinstate' it. Whether the bank sends any message to Acme plc to let them know that I've done that, I can't say, but I'm sure that that if Acme plc subsequently attempted a debit, it would go through as though I'd never cancelled the mandate.
In message , Clifford Frisby writes
In that case, I stand corrected.
Which bank? and are you sure they arent SOs?
Perhaps Eric Jones can clarify?
How?
It may be that a bank's system will generate a letter to originator stating that customer has re-instated D/D. The bank I work for does not have this facility (we did years ago - progress?) but if they want to reinstate it these days all they need to do is tell the originator who will do everything needed.
It is (and yes I know it's not a 'real' bank -- I hope I haven't mislead you!) Nationwide.
The list contains DD mandates as well as 'push' arrangements (i.e. SOs and 'ad hoc' arrangements) all of which can, apparently, be reinstated. The DDs seem to be limited to ones that have been cancelled relatively recently - I can see one that was cancelled a few months ago, but not those which were cancelled a few years ago.
Ah well, perhaps now *I* am being too unequivocal.:) I suppose I should say that I cannot think of any other effect that would be consistent with the verb 'reinstate'. I admit that I have not tried it. But I can envisage of a couple of (admittedly rare) circumstances where it might be useful: a) Cancel a magazine sub DD; tell originator the bad news; get tempted back with a special rate; reinstate DD. b) Dormant credit card :- DD mandate expires automatically after 13 months due to lack of any debits; want to use credit card again; reinstate DD.
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