K
I always thought that you had to sign a direct debit form to have money taken out of your account. Do people in banks check signatures anymore?
The clue is in the first 2 letters. OP stands for Originator Plus, a system where merchants can set up Direct Debits without a paper mandate or signature. Very popular these days with ultility companies, Sky, UPC etc. Paper mandates are very uncommon nowadays.'op/SKY Digital
To be honest, that seems like a bit of an overreaction until you've actually established what has happened..
I have heard of things like this happening before, and it seems to arise most with entertainment services like television or broadband rather than with utilities like electricity or refuse disposal. I suspect that the offenders might be young people hoping to get away with things.
If you are freaked out by the idea of somebody getting to know your bank sort code and account number, then perhaps you should not use a bank at all: most transactions, including writing cheques, involve disclosing them.
That said, if a bank takes money out of your account without your direct or implied authority, they have a duty to remedy the situation fully and immediately. If they dragged their feet on such a thing, I would escalate the matter very quickly. One of the ways in which banking has modernised is the downgrading of customer service: telephone or counter staff do not always know what the bank's responsibilities are, or have the authority to do what is necessary to fix things, so I move up to a level where I can get things fixed.
Not all bank account numbers are valid. They (and credit card numbers) almost invariably must satisfy what's called a checksum. The algorithms used mean that generally changing a single digit on a bank account will NOT result in an valid bank account number. It is very unlikely that something like this can happen by accident - the checksum is specifically designed to prevent this from happening.Agree 100%. If the sky customer gave a different address, I would think it is more down to human error, one digit wrong, than someone trying to fiddle your account.
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