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Direct debit cancelled - can I be charged still?

  • 23-05-2017 9:10am
    #1
    Dr.Silenec
    Registered Users, Registered Users 2 Posts: 15 ✭


    Hey guys,

    I'm reaching in a question around Direct Debits, If I cancelled one last month, is it legal to get charged the amount via direct debit?

    Thanks a lot for a help!


Comments

  • #2
    TheChizler
    Registered Users, Registered Users 2 Posts: 9,514 ✭✭✭TheChizler


    Cancelled a single direct debit occurrence or the entire agreement?


  • #3
    whomitconcerns
    Registered Users, Registered Users 2 Posts: 4,396 ✭✭✭whomitconcerns


    Legal yes, but can you ask for your bank to refund it without question, yes also! Of course that does nothing to discharge your debt though.


  • #4
    Dr.Silenec
    Registered Users, Registered Users 2 Posts: 15 ✭Dr.Silenec


    TheChizler wrote: »
    Cancelled a single direct debit occurrence or the entire agreement?

    I'm not sure, it's in the banks online system and I clicked on the cancel button there, my understanding was that's it the company is not authorized to charge my account - also notified the company the money should/did go to.


  • #5
    Dr.Silenec
    Registered Users, Registered Users 2 Posts: 15 ✭Dr.Silenec


    whomitconcerns wrote: »
    Legal yes, but can you ask for your bank to refund it without question, yes also! Of course that does nothing to discharge your debt though.

    That's fine, I am aware of it, we have a dispute with the company, which they ignore, therefore I want this to be resolved first before they will authorized to charge my account again - at least I thought.


  • #6
    Pat Mustard
    Registered Users, Registered Users 2 Posts: 9,554 ✭✭✭Pat Mustard


    You should contact your bank and explain to them that you have a concern that the company may attempt to initiate the direct debit mandate again but that you wish to ensure that it cannot do so.

    The bank should be monitor your account so that this cannot happen.

    If you like, this thread can be transferred to the Banking forum, where you may get further suggestions/explanations.


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  • #7
    Dr.Silenec
    Registered Users, Registered Users 2 Posts: 15 ✭Dr.Silenec


    Pat Mustard wrote: »
    You should contact your bank and explain to them that you have a concern that the company may attempt to initiate the direct debit mandate again but that you wish to ensure that it cannot do so.

    The bank should be monitor your account so that this cannot happen.

    If you like, this thread can be transferred to the Banking forum, where you may get further suggestions/explanations.

    Probably not a bad idea!


  • #8
    Fred Swanson
    Closed Accounts Posts: 21,730 ✭✭✭✭Fred Swanson


    This post has been deleted.


  • #9
    Dr.Silenec
    Registered Users, Registered Users 2 Posts: 15 ✭Dr.Silenec


    Fred Swanson wrote: »
    This post has been deleted.

    Thanks Fred, I believed so, but now the company overcharged me - which is primarily the reason why I'm so annoyed with it. I've canceled the service and there is some outstanding payment - which fair enough, I wouldn't mind if they did take what's theirs but no more than that!


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