Hi
Alliance and Leicester have failed to reimburse me for an incorrect DD after I claimed under the DD guarantee.
Do BACS/DD have their own complaints procedure for dealing with matters such as this ? How do I escalate it ?
Thanks
Daytona
Hi
Alliance and Leicester have failed to reimburse me for an incorrect DD after I claimed under the DD guarantee.
Do BACS/DD have their own complaints procedure for dealing with matters such as this ? How do I escalate it ?
Thanks
Daytona
Failed or refused? AFAIK all you need do to collect is state to bank and debitor that a debit was wrongly taken. The bank pays you back and investigates and if the debitor then refunds you the bank takes that.
Write a short straightforward letter to the branch you deal with giving details and cc it to Head Office. Enclose a copy of the Direct Debit Guarantee. Tell them you wish this to be considered a formal complaint. Ask them to confirm in writing that they are not going to honour the guarantee so you can escalate the matter to the Financial Ombudsman. Send the letters recorded delivery.
Neb
In message , Daytona writes
Can you give us a bit more detail? e.g Did the creditor send you a statement of the amount they were going to collect in advance of the debit?
The question is, did they make an error?
Sorry for the lack of feedback guys.
I asked them to refund the difference between the correct amount and the incorrect amount taken. After a delay, they phoned me up and said the couldn't do this they could only reimburse the full amount, which is what we agreed to do. This had the immediate effect of getting the payee Liverpool Victoria to address my complaint, which they'd failed to do for the 20 previous days. They are administratively incompetent
- they'd automatically increased my PHI premium in breach of their own T&Cs.
Daytona
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