Originally Posted by munta:
“You have to do more than cancel it with your bank.
VERY IMPORTANT - Vodafone will keep issuing a request to your bank for the money. If it is not paid, Vodafone will be with in their rights to charge an admin fee for a rejected charge and they most probably will. The next month, they will do the same and so on. They won't cancel their request just because you have cancelled the Direct debit.
But they are within their rights to do so based upon the Direct Debit garentee.”
Bollox to that!
Quote:
“The Guarantee
If the amounts to be paid by Direct Debit or the payment dates change, the organisation collecting the payment will notify you normally 10 working days in advance of your account being debited or as otherwise agreed.
If an error is made by the organisation or your bank or building society, you are guaranteed a full and immediate refund from your branch of the amount paid.
If any payment is made in error, you should contact your bank or building society who are responsible for giving you a full and immediate refund - even if the original error was made by the organisation collecting the payment.
Direct Debit is one of the safest ways of paying your bills. Fraud rarely occurs because organisations using the Direct Debit Scheme go through a careful vetting process before they're authorised, and are closely monitored by the banking industry. But if money were to be taken from your account fraudulently you'd be protected by the Direct Debit Guarantee, and would be entitled to an immediate refund from your bank or building society.
Don't forget, you can cancel a Direct Debit at any time by contacting your bank or building society. We also recommend you notify the organisation concerned. ”
Direct from the website at
www.directdebit.co.uk
A company can only charge an admin fee if a direct debit fails, they cannot apply for a DD if their is no agreement existing or if in this case it has been cancelled. With this in mind, what vodafone will charge for however like most companies is a non direct debit payment surcharge.
For the record, so those who know and i do work for the financial services industry, when a DD is cancelled a bank can no longer apply for payment. Since that agreement is cancelled and no further charges for admin processing can be applied in most normal cases. however is a direct debit mandate exists and there is not enough money in the sponsored account and it gets rejected then an admin fee is then charged by the bank and company collecting it.