Originally Posted by jor el
Thread moved to Consumer Issues since it's not relating to Broadband.
You should always cancel unwanted direct debits yourself, don't rely on the biller to do so. Most billers don't issue a cancellation notice to the bank anyway, they just stop collecting on it. This means it's still active and can be debited again at any time by accident. Unless you specifically stop it, your original permission for them to debit your account remains valid.
Yes but that permission is not open ended. In order for a dd to be legitimate it must comply with the rules of the scheme. Any legitimate dd hitting an account implicitly carries the permission of the account holder provided:
They have been given the correct advance notice.
The amount has not been disputed.
Staff in many companies appear to believe that the existence of a dd instruction allows them to do as they wish in respect of accessing the customer account - this is not the case.
In the immortal words of a Bord Gais employee to whom I complained about double dd'ing my account three times in the space of five months:
"But sure we have your number".