Household Charge: DD option. Im very wary.

[Crugers]

Ill try and find and link to the cases where posters have stated that the DD was reactivated unilateraly.

Direct Debit Plus allows 'Originators', like the dreaded BT and / or others, to set up a DD without your signature on a piece of paper (mandate). Therefore they could i.e. it would be possible, to convince the Payers bank that you have signed up for or reactivated a direct debit.
I can't see how a DD if "reactivated unilaterally" by the originator could be seen in anything other than fraud - just as if your signature had been forged on a cheque!

The IPSO rules say your (Payers) Bank should repay you for DD's paid where the rules were not adhered to...

Of course that is easier said than done - especially as the majority of bankers either don't know or don’t like to implement the IPSO rules!

Is there a difference between the way a regular DD works and a CC DD?

According to IPSO "[FONT=&quot]you cannot have a direct debit on a credit card account. These are called ‘recurring transactions’ and are not covered under the Direct Debit Scheme Rules but come under the Credit Card Scheme Rules. You can check with your own credit card company on their rules[/FONT]".

 

[ajapale]

Thank Crugers,

Not many people are aware of the distinction between payments made under the IPSO Direct Debit Scheme Rules and similar payments under the Credit Card Scheme Rules.

Is the government (in its role as collector for the household charge) a Direct Debit Plus 'Originator' (like the dreaded BT) or are they "ordinary decent originators"?

aj

 

[Crugers]

AFAIK - If you sign up without signing a piece of paper (mandate) then it is DD Plus...
I've yet to do the household charge bit so I'm not sure how that is done!



Allowing you to sign up for DD or DD Plus using a credit card account is a bit of a con job.
I don't know of any Originator who supplies a special mandate for Payers who want to use credit card accounts.
If the originator allows you to use the DD or DD Plus mandate to sign up when using a CC, you as the Payer would assume that you are covered by DD or DD Plus rules when you are definitely NOT!