I did insist with the bank when they told me. She initially said there was nothing they could do. I argued that I was shocked by that and asked what would happen in the company decided to apply to my account for a few thousand - how would I be able to stop that etc? Was my only option to close down my account etc? Finally she said that if I was able to come into the branch straight away I could sign a form and they could manually reject the direct debit. Which I have done. But they said that on an ongoing basis I have to keep checking my bank account and if I notice a payment has been taken, I have 24 hours to get down to my branch to sign another of these forms each time the company apply to my account! So its not exactly a long term solution.
I just find the whole thing ridiculous!
Thanks for that link macthepac - I came across that site earlier when I was googling and trying to learn about these types of direct debits. The bank were pretty adament that there is nothing they can do. It would be good to get some information in black and white about our rights. She said that a lot of the big companies like ESB and Bord Gais also use these types of mandate.
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