Feeling a little stupid (word of warning i suppose)

[KnackeredBike]

Direct Debits don't work that way. In signing one you're giving the other side "free access" to your account. To take what they like, when they like from it.

Not really. direct debit guarantee means you can walk into your bank (or presumably phone them) and tell them the payment has been taken in error and they are meant to give you the money back, instantly, and send a letter to the company. Used it in the past with Lloyds and they were as good as their word.

 

[Cuchilo]

Direct Debits don't work that way. In signing one you're giving the other side "free access" to your account. To take what they like, when they like from it.

My bank ( natwest ) do not agree with you .

 

[damj]

I spoke with the brokers today, it just got more farcical. They priced me on two accidents 19.10.16 and 1.9.16. I told them the one on 1.9.16 didn't actually happen it was a typo. She told me because I had recorded two accidents I couldn't have my ncd, arrgghh! We managed to resolve that one. No price difference initially. But with protected ncd, that's another extra £40. Taking my annual premium £500 plus. Okay time to calm down now, she told me I could speak to a supervisor they'd give me a call within 36 hours.....
To cut a lot of bad language and move on I'm going to cancel. Start a new comparison search, cut my losses and learn from experience, here's hoping

 

[Cuchilo]

If you cancel they will charge you a cancellation fee . Do not cancel , find a new insurer and take out your insurance with them . Cancel the DD with your bank and tell the company you have done so as they are trying to change the contract .

 

[confusedcyclist]

You may be able to dodge the cancellation fee if you kick up a stink about the change in contract, but likely the swines have a term in the small print that they can charge you extra should you misinform them. Given that it's an honest mistake, you could try softly softly at first, then start a PR storm on twitter, if they are a reputable firm, they will want to save face online and offer to put you in touch with customer service who might have more powers.

If there are any changes to the amount, date or frequency of your Direct Debit the organisation will notify you (normally 10 working days) in advance of your account being debited or as otherwise agreed. If you request the organisation to collect a payment, confirmation of the amount and date will be given to you at the time of the request

* The Guarantee covers Direct Debit payments. It cannot be used to address contractual disputes between you and the billing organisation.

From the DD guarantee, if they didn't notify you in advance you have grounds to demand a refund from the bank. That said, it doesn't waive you from the contract, and you might incur extra fees from the company for not paying by DD. If you have a contract, they could pursue you for even more than you have already paid.

 

[Cuchilo]

You may be able to dodge the cancellation fee if you kick up a stink about the change in contract, but likely the swines have a term in the small print that they can charge you extra should you misinform them. Given that it's an honest mistake, you could try softly softly at first, then start a PR storm on twitter, if they are a reputable firm, they will want to save face online and offer to put you in touch with customer service who might have more powers.



From the DD guarantee, if they didn't notify you in advance you have grounds to demand a refund from the bank. That said, it doesn't waive you from the contract, and you might incur extra fees from the company for not paying by DD. If you have a contract, they could pursue you for even more than you have already paid.

I wouldn't softly anything . Get insured with another company but you must tell the first company you have done so because they are trying to renegotiate the contract . Its against the law to be insured with two companies ( apparently ) this will also work in your favour as you wont be able to agree to their new contract as you are insured with someone else .

 

[mjr]

Not really. direct debit guarantee means you can walk into your bank (or presumably phone them) and tell them the payment has been taken in error and they are meant to give you the money back, instantly, and send a letter to the company. Used it in the past with Lloyds and they were as good as their word.

You got lucky. The direct debit guarantee is often not worth the paper it's written on, in my experience and those of some people I know. Always check your bank statements and don't hesitate to start promptly on the path towards the small claims court if the debiter leaves you out of pocket.

 

[toffee]

You got lucky. The direct debit guarantee is often not worth the paper it's written on, in my experience and those of some people I know. Always check your bank statements and don't hesitate to start promptly on the path towards the small claims court if the debiter leaves you out of pocket.

It is worth it, the bank cannot refuse. They may be awarkward and they may say they cannot do what you ask , but you will win if you complain. Any liability to the debtor is another matter though.