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Thread: Odd direct debit: Part 2 - Give us our money back! and some more! or else...

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    Odd direct debit: Part 2 - Give us our money back! and some more! or else...

    Hi Everyone,

    You may have previously seen (about 2 weeks ago?) a thread about a company that setup a direct debit and took money out of my account (that I didn't even know of, didn't even buy anything from them!). I told the bank and it all got sorted and I got my money back.. great!....... so... I receive this today:




    So now they want the money I got refunded by the bank and they want more? and they are threatening to take me to court if I don't pay for something I didn't buy?


    Any advice on what I can do? or am I just going to have to take them to court? I'm going to write a letter/email to them too but I'm not sure what to put in it... Any help?

    Thanks!


    Edit: Their website doesn't even work! Might have to just write to them..

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    Asking silly questions menthel's Avatar
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    Re: Odd direct debit: Part 2 - Give us our money back! and some more! or else...

    Write them a letter and also go to your Citizens advice peeps!
    Not around too often!

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    Re: Odd direct debit: Part 2 - Give us our money back! and some more! or else...

    Quote Originally Posted by menthel View Post
    Write them a letter and also go to your Citizens advice peeps!
    Never had to go there before! Would I need to make an appointment?

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    Re: Odd direct debit: Part 2 - Give us our money back! and some more! or else...

    Quote Originally Posted by XA04 View Post
    Never had to go there before! Would I need to make an appointment?
    Never been! I am sure you can ring them and find out or find out on their website!
    Not around too often!

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    Re: Odd direct debit: Part 2 - Give us our money back! and some more! or else...

    I've almost been through something the same.

    Long story short - Vonage screwed up my billing and sold the 'debt' to debt collectors without ever trying to contact me.

    It took ages to sort out after having various nasty phone calls. I meant do do a thread on it with copies of the letters I sent.
    Quote Originally Posted by Saracen View Post
    And by trying to force me to like small pants, they've alienated me.

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    Re: Odd direct debit: Part 2 - Give us our money back! and some more! or else...

    Contact the company that the DD was et up by and ask them whats going on, wouldnt bother with CAB until you have that info.

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    Re: Odd direct debit: Part 2 - Give us our money back! and some more! or else...

    Your Local Trading Standards will probably be able to help you too. Another vote for the CAB too.

    Whatever you do, don't contact them until you've sought some proper advice and don't pay anything, no matter what they threaten you with.

    Also, try the consumeractiongroup forums.
    Quote Originally Posted by Blitzen View Post
    stupid betond belief.
    You owe it to yourself to click here really.

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    Re: Odd direct debit: Part 2 - Give us our money back! and some more! or else...

    Citizens advice bureau are closed now so I'll just go tomorrow. Still could do with advice on what to put in the letter though.

    @ Agent: Yeah I can imagine it going out like that. It's gonna be expensive going to court though surely if they do take it that far?


    Edit: Some quick replies here!

    @Flibb: I shall do that now!
    @Clunk: Don't contact the debt collection agency or the people who think I bought something? I'll sign up on that forum too.

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    Re: Odd direct debit: Part 2 - Give us our money back! and some more! or else...

    You are fully within your rights to demand to see the origin of the debt, as well as a credit agreement, direct debit mandate and original purchasing documents. They are fully obliged to supply those to you at no cost. After this, let them keep chasing you. Lots of stern-worded letters with some nice long words should shake them up. These companies are often known for trying to collect debts from people with the same name as someone they are actually after in the hope that someone pays up.
    Moo.

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    Re: Odd direct debit: Part 2 - Give us our money back! and some more! or else...

    Quote Originally Posted by synaesthesia View Post
    You are fully within your rights to demand to see the origin of the debt, as well as a credit agreement, direct debit mandate and original purchasing documents. They are fully obliged to supply those to you at no cost. After this, let them keep chasing you. Lots of stern-worded letters with some nice long words should shake them up. These companies are often known for trying to collect debts from people with the same name as someone they are actually after in the hope that someone pays up.
    Only problem is that the last time I contacted this company telling them I haven't bought anything from them they said they can't do anything without a reference number... and obviously as I didn't buy anything from them I didn't have one.

    So I don't think I can even email them really? I'll definetly pop to the CAB tomorrow though.

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    Re: Odd direct debit: Part 2 - Give us our money back! and some more! or else...

    Just missed your last post. My suggestion would be:

    "Dear Sir or Madam,

    Reference : Unknown (Copy of your correspondence attached)

    I've recently had to deal with a rogue direct debit being set up from my bank account, followed by your last letter reference xxxxxxx chasing up payment - for something I have not purchased.

    I am unaware as to what this payment is supposed to be for. I would appreciate it if you could forward documentation supporting this debt to me at your earliest convenience - original, signed direct debit mandates, credit agreements, original invoice/payment paperwork or anything else appropriate.
    Failure to do so will result in me taking matters further, which could in turn result in you being investigated for fraudulent activity.

    I hope you co-operate with my simple request and that you can understand my confusion. Please keep communication in writing to eliminate any confusion.

    Yours Sincerely,

    Joe Bloggs"

    Put it in snail mail with proof of postage. Keep a copy of everything. Don't worry about it, really. You'll probably even feel better after having effectively shouting these idiots down

    And guess who spent far too long writing such letters in the past to banks/credit cards et al
    Moo.

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    Re: Odd direct debit: Part 2 - Give us our money back! and some more! or else...

    Quote Originally Posted by synaesthesia View Post
    Just missed your last post. My suggestion would be:

    "Dear Sir or Madam,

    Reference : Unknown (Copy of your correspondence attached)

    I've recently had to deal with a rogue direct debit being set up from my bank account, followed by your last letter reference xxxxxxx chasing up payment - for something I have not purchased.

    I am unaware as to what this payment is supposed to be for. I would appreciate it if you could forward documentation supporting this debt to me at your earliest convenience - original, signed direct debit mandates, credit agreements, original invoice/payment paperwork or anything else appropriate.
    Failure to do so will result in me taking matters further, which could in turn result in you being investigated for fraudulent activity.

    I hope you co-operate with my simple request and that you can understand my confusion. Please keep communication in writing to eliminate any confusion.

    Yours Sincerely,

    Joe Bloggs"

    Put it in snail mail with proof of postage. Keep a copy of everything. Don't worry about it, really. You'll probably even feel better after having effectively shouting these idiots down

    And guess who spent far too long writing such letters in the past to banks/credit cards et al
    That's a huge help, thank you I'll get something knocked up soon, but I won't send it off til I speak to the CAB tomorrow.

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    Re: Odd direct debit: Part 2 - Give us our money back! and some more! or else...

    its very simple, you tell the DCA the bill is in dispute as you never agreed to it, by law they have to refer it back to the company to sort out.

    do it by recorded delivery

    visit the consumer action group websites forums for help.

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