I registered my debit card as a back up payment to a direct debit I set up with my internet provider. After atrcious service from them I have migrated and my new service came online today. As I am paid up on the old service up to 27/10/09 I cancelled my direct debit. However when I tried to remove the backup card details their system wouldnt let me. I spoke to them on the phone and they informed me that until the new company emails them to say that we have gone live with them, we are still ‘live’ with the old company and so we will get charged if the new company does not tell them in time.
I told them on the phone, well my new conection is live, remove my card details and mark my account as closed – they would not – So I have had to cancel my card with the bank.
My question is, why do you not retain full controll of your own money. If I wish to remove an authorisation to charge my debit card surely that is my absolute right even if they claim I owe them money – It is only their claim after all..
I disgusting.
What gives?
Corey – what a useless answer why did you bother? As above they do not have their own rules
Anyone who actually knows the law on the debit card issue?
Teresathegreat – I am afraid your entirely wrong about direct debits
http://www.financial-ombudsman.org.uk/publications/ombudsman-news/27/27-directdebit-guarantee.htm
As you can see you have a right to cancel a direct debit at any time you so wish regardless of if a company claims you owe them money.
My question was as this is clearly a right you have with direct debits why do you not have the same right with your debit card..for your card to be charged you have to give authrority, that is correct, but I would also expect that you have a right to withdraw such authrority as you wish -Someone claiming you owe them money should again be irrelevent once you have withdrew authorisation – they are of course welcome to take you to court if they believe you owe them money.
G.Wilkers > It would seem to me (based only a common sense view of what ownership of your bank means) that you are correct – that one can withdraw authority to charge a debit card as one wishes – However do you have any source for this or is it just your common sense view like mine? Ultimately the law is what counts not what banks or companys have to say