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TV license nightmare

  • 08-10-2015 12:35pm
    #1
    lolo62
    Registered Users, Registered Users 2 Posts: 1,145 ✭✭✭


    I was out of work during the summer and knew I wouldn't be able to meet my direct debits for August. One of which is 13.33 per month for my tv license.

    Contacted them to explain and ask if they would postpone one payment and take for both the following month. This was fine with all my other direct debits. I was told no they can't postpone but that if the direct debit was refused they would just take two next month anyway.

    Contacted my bank who sent me forms to fill out. They said the new sepa system allows customers to stop one payment without canceling the direct debit. I filled out the forms for each direct debit and went about my business.

    Got an angry letter from an post the end of September saying my license was canceled and I should post it back in. Inspectors had been informed. I contacted them to explain the situation and that I had been informed it was OK to do what I did. They wouldn't reinstate the direct debit and are saying I have to cough up €100+ euros or go to court.
    Asked for someone from direct debits to contact me. Had a very angry man get in touch saying things along the lines of 'you can't just...' 'You just hear what you want to hear . Totally unprofessional, over-emotional and seemed oblivious to the sepa direct debit system.

    He's now starting legal proceedings apparently? Just contacted my bank, waiting to hear back from them as I'm sure the direct debit had been canceled by an post and not them. Since this is our arrangement and I have not canceled it surely I have some rights here?

    Can anyone offer up some advice?


Comments

  • #2
    Kimbot
    Moderators, Computer Games Moderators, Social & Fun Moderators Posts: 18,809 Mod ✭✭✭✭Kimbot


    The problem here is that you may have filled in the forms with your bank but what exactly were the forms? I got paid the day after mine comes out by DD and I missed the payment, just got a letter in the post saying they were going to take it again on X date.


  • #3
    uck51js9zml2yt
    Closed Accounts Posts: 18,268 ✭✭✭✭uck51js9zml2yt


    While the manner in whixlch they spoke to you is questionable, the fact is You defaulted on a direct debit.


  • #4
    lolo62
    Registered Users, Registered Users 2 Posts: 1,145 ✭✭✭lolo62


    The letter said the bank came back 'refusal by debtor'
    This to me seems like bank lingo and I was trying to clarify for them that it was something bank customers have the ability to do within the new sepa system. Thing is the direct debit wasn't canceled, they chose to act on the wording the bank issued despite the fact the direct debit was still in place?!


  • #5
    uck51js9zml2yt
    Closed Accounts Posts: 18,268 ✭✭✭✭uck51js9zml2yt


    lolo62 wrote: »
    The letter said the bank came back 'refusal by debtor'
    This to me seems like bank lingo and I was trying to clarify for them that it was something bank customers have the ability to do within the new sepa system. Thing is the direct debit wasn't canceled, they chose to act on the wording the bank issued despite the fact the direct debit was still in place?!

    The words refusal by debtor are the issue. You instructed the bank not to pay and therefore broke your contract.


  • #6
    lolo62
    Registered Users, Registered Users 2 Posts: 1,145 ✭✭✭lolo62


    Finn Sharp Stinker wrote: »
    The words refusal by debtor are the issue. You instructed the bank not to pay and therefore broke your contract.

    But the back advised me it wouldn't break the contract


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  • #7
    Kimbot
    Moderators, Computer Games Moderators, Social & Fun Moderators Posts: 18,809 Mod ✭✭✭✭Kimbot


    lolo62 wrote: »
    But the back advised me it wouldn't break the contract

    The bank wouldnt know what way it affects something that they have no control over. You should have just let the payment be missed and let an post get in touch with you as your contract is with an post and not the bank.


  • #8
    lolo62
    Registered Users, Registered Users 2 Posts: 1,145 ✭✭✭lolo62


    jonny24ie wrote: »
    The bank wouldnt know what way it affects something that they have no control over. You should have just let the payment be missed and let an post get in touch with you as your contract is with an post and not the bank.

    I know what you mean but don't the bank have some responsibility to clarify that in doing this it amounts to the same as canceling the direct debit altogether?
    This didn't happen.. Quite the opposite actually. It was put to me by the bank that this was a freedom of control granted to the customer by the sepa system which is overall very restrictive.
    I asked if there was a way around being hit with unpaid direct debit charges if you are able to communicate in advance the funds won't be there. This was offered as a solution.


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