Direct Debit Guarantee worthless ?

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

Reply to
Daytona
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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.

Reply to
John Redman

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

Reply to
Nebulous

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?

Reply to
john boyle

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"If the originator or the bank/building society makes an error, the customer is guaranteed a full and immediate refund of the amount paid."

The question is, did they make an error?

Reply to
John Smith

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

Reply to
Daytona

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