DCA won't let me pay by standing order

[SXGuy]

Re: DCA won't let me pay by standing order

Nice one!

Don't send it back to them --- its a standard tactic to get your bank details.

No need to send it back to them - if you have online banking then simply set it up online, or alternatively go into your branch and get it set up.

Once done, write to them thanking them for their details, inform them its all set up, and when the first payment will be and how much.

Best
SnV

I see your logic, i wouldnt send it to them either, but once a payment has been made, they would know the bank account is came from, so is it not the same thing anyway?

What i would do, is use a family member or friends account, send the money via that, use a reference to reflect your name to show who its from, then they dont have your bank account details at all!

[SaltnVinegar]

Re: DCA won't let me pay by standing order

you made me giggle S&V, would love to be a wee fly on their wall when that one its the desk!

They usually chew the carpet!

My favourite DCA (and individual) was Allied International and 'Mr Brown'. I had used to get him in a real twist and some of the stuff he put in writing (not template letters I'm sure) resulted in AIC and Amex getting a spanking (I got 'compensation' - I use quotes as although they paid it, they refused to admit any liability).

They can't help dig themselves into a hole with their tactics, so its easy to get them there and use it to your advantage.

[SaltnVinegar]

Re: DCA won't let me pay by standing order

IT WORKED!!!!!

They have today sent a form with their bank details on.

BUT for me to fill in for them to forward to my bank on my behalf though????!

Nice one!

Don't send it back to them --- its a standard tactic to get your bank details.

No need to send it back to them - if you have online banking then simply set it up online, or alternatively go into your branch and get it set up.

Once done, write to them thanking them for their details, inform them its all set up, and when the first payment will be and how much.

Best
SnV

[malamute]

Re: DCA won't let me pay by standing order

IT WORKED!!!!!

They have today sent a form with their bank details on.

BUT for me to fill in for them to forward to my bank on my behalf though????!

[MrsD]

Re: DCA won't let me pay by standing order

Hi Malamute

If they refuse to provide their bank details to allow payment via standing order they are in breach of OFT guidelines.

Once you have that refusal in writing, you have evidence of unreasonable behaviour, keep it and file it to use at a later date if needed.

You then write back to them, and state, since their unreasonable refusal to provide their bank details to allow you to set up a SO all future payments will be sent by postal order. You will reduce the monthly payment by £x to cover the postal order costs.

Inform them that if they wish to provide their bank details at a future date you would be happy to set up the automatic monthly payment.

Stick to your guns and they should back down.

SnV

you made me giggle S&V, would love to be a wee fly on their wall when that one its the desk!

[malamute]

Re: DCA won't let me pay by standing order

Which only works in your favour because:

1) Their operating costs to recover the debt increases
2) You build further evidence of harrassment

They can't but help hang themselves allowing you to give them a good spanking

Love it - just made me laugh out loud!!

Bring it on!!!!

[SaltnVinegar]

Re: DCA won't let me pay by standing order

I'm guessing that my phone will start ringing again!

Which only works in your favour because:

1) Their operating costs to recover the debt increases
2) You build further evidence of harrassment

They can't but help hang themselves allowing you to give them a good spanking

[malamute]

Re: DCA won't let me pay by standing order

Superb thanks for that. Will advise if/when i get a reply.

I'm guessing that my phone will start ringing again!

[SaltnVinegar]

Re: DCA won't let me pay by standing order

Feeling well and truly reassured (what else do I expect on here )

Will update as to my response.....

Hi Malamute

If they refuse to provide their bank details to allow payment via standing order they are in breach of OFT guidelines.

Once you have that refusal in writing, you have evidence of unreasonable behaviour, keep it and file it to use at a later date if needed.

You then write back to them, and state, since their unreasonable refusal to provide their bank details to allow you to set up a SO all future payments will be sent by postal order. You will reduce the monthly payment by £x to cover the postal order costs.

Inform them that if they wish to provide their bank details at a future date you would be happy to set up the automatic monthly payment.

Stick to your guns and they should back down.

SnV

[malamute]

Re: DCA won't let me pay by standing order

Feeling well and truly reassured (what else do I expect on here )

Will update as to my response.....

[pompeyfaith]

Re: DCA won't let me pay by standing order

I have been told this before. MBNA were ALWAYS telling people a SO was a no go.

If you know the sort code and account number, and your reference number - for example with a credit card its the 16 digit number, it might be easier to just set it up.

If they call/write and say its not possible, ask them to return the payments made by standing order! - that usually keeps them quiet. The only reason the dont like Standing orders is due to (apparent) administration costs

Plus they do not have control over how much they can take and how not just the financial sector but business in general love to do exactly that, payday lenders a prime example.

[oscar]

Re: DCA won't let me pay by standing order

I have been told this before. MBNA were ALWAYS telling people a SO was a no go.

If you know the sort code and account number, and your reference number - for example with a credit card its the 16 digit number, it might be easier to just set it up.

If they call/write and say its not possible, ask them to return the payments made by standing order! - that usually keeps them quiet. The only reason the dont like Standing orders is due to (apparent) administration costs

[thechippy]

Re: DCA won't let me pay by standing order

It's also strictly against the banking code of business regulations. Although, I'm not sure if it applies to dca's as they are not banks. It would come under unfair practice though.

Pay how you want and tell them to get stuffed........

[pompeyfaith]

Re: DCA won't let me pay by standing order

I pay all mine via online banking using the faster payments method even a court order payable to a claimants solicitor.

Never had any issues, soon as my funds go in I faster payment the lot job done and over for another month and I am in complete control.

[SaltnVinegar]

Re: DCA won't let me pay by standing order

BTW - just thought I'd add ALL the creditors (17 of them) on my DMP are accepting payment by standing order, even though some of them 'claimed' they didn't support this method.

Keep plugging away at them - they'll soon change their tune when they money isn't coming in!