Direct Debit Query

[Paulie74]

I’ve just had a final payment for my car debited (PCP) from my bank account (this was an error we are trying to resolve) there is nowhere near enough to cover it, and I don’t have an overdraft facility. Will the bank honour this and leave me hugely overdrawn, or reject it?

 

[trojan]

I’ve just had a final payment for my car debited (PCP) from my bank account (this was an error we are trying to resolve) there is nowhere near enough to cover it, and I don’t have an overdraft facility. Will the bank honour this and leave me hugely overdrawn, or reject it?

I would contact bank immediately. Usually in your situation item would be returned unpaid. Has the direct debit actually been charged to your account making it overdrawn?

 

[Paulie74]

Yes Trojan, the online account is showing a significant minus figure, I am anticipating it to be returned, I am trying to contact them, I've had one rejected previously as I was one cent short in my account!!! Fingers x'ed.

 

[Gerry Canning]

Yes Trojan, the online account is showing a significant minus figure, I am anticipating it to be returned, I am trying to contact them, I've had one rejected previously as I was one cent short in my account!!! Fingers x'ed.

............
Paulie if on Direct Debit ,I am near (certain) you can recall that DD without any query/question within 2 months.

 

[Black_Adder]

Paulie - I think Gerry is correct on the "..recall that DD without any query/question within 2 months.."

 

[Paulie74]

Thanks all, bank returned it no issue and I could see the reversal online, much relief.
Thanks again.

 

[elcato]

Yes but cancel the DD by mail so that it's clearcut and won't happen again. Bit like finishing your anti-biotic course.