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alanwils's avatar
alanwils
Tuning in
2 years ago
Solved

Is it 'safe' to instruct your bank to cancel your Direct Debit?

Is it 'safe'; in other words - doesn't contravene any contract obligations, to instruct your bank to cancel your Virgin Media Direct Debit, if you don't agree/ dispute what they propose to take from your bank account? 

 

  • Adduxi's avatar
    Adduxi
    2 years ago

    I would advise against this as Vm will most likely just assign your debt to collectors.  It will also be on your Credit score as a debt.  Best to keep paying until the dispute is sorted out and then seek any relevant compensation.

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  • Adduxi's avatar
    Adduxi
    Very Insightful Person
    2 years ago

    I would advise against this as Vm will most likely just assign your debt to collectors.  It will also be on your Credit score as a debt.  Best to keep paying until the dispute is sorted out and then seek any relevant compensation.

    • Martin342's avatar
      Martin342
      Tuning in
      2 years ago

      on the contrary! Virgin Media have for the last 4 months and, still are trying to take money for a service I do not have despite the wealth of evidence I have provided and their own letter to me that they have removed the service from my account last month. Without hesitation I have cancelled my direct debit to stop the continuing theft. Virgin Media Billing Services are absolutely shocking, as is (as evidenced by their words and actions to me) their internal communication. My advice to anyone with an issue with Virgin Media Billing Services is cancel that direct debit immediately.

    • alanwils's avatar
      alanwils
      Tuning in
      2 years ago

      ...but your answer is basically giving the green light for Virgin Media, and other companies for that matter, to take the hell as they please from your bank account!? Most people, understandingly, can't go through the tiring and seemingly non-ending process of telephoning to hear the same script, sending countless emails etc...and VM knows this!

      Citizen's Advice Bureau has told me that I can take 'back control' and, while I'm at it, let the bank know what's going on. They mentioned that VM are using their own bad administration methods, favourably...to suit them. They also informed that they have had many VM customers contact them and, without sounding too dramatic, I smell a sense of a 'Post Office Scandal' about it all. A visit to my MP may be called for.

      • zudecke's avatar
        zudecke
        On our wavelength
        11 months ago

        Did the criminals from vm come after you for cancelling the dd in the end? I want to do the same... 

  • alanwils's avatar
    alanwils
    Tuning in
    2 years ago

    My local Citizens Advice have informed me that I can simply cancel my DD; there's no problem doing this if I feel that the sum they are taking/ about to take out -  is incorrect, which it is. I was told I could pay what I owe manually.

    I was also going to try and change my DD to another account with just enough money to cover what I truly owe. If they tried to take more, and there is not enough money in that account  (as there would be) - then the DD would fail.

  • asim18's avatar
    asim18
    Rising star
    11 months ago

    In my personal ideal world, yes, the consumer should be able to cancel a direct debit immediately, without any consequences whatsovever. The only consequence of ending a direct debit should be that the company humbly stops providing their service and leaves you alone. If the company suffers in any way from a cancelled DD, good, dissolve the company and let someone who can handle it take over. Don't make the consumer suffer.