Everyone experiencing problems - Under Direct Debit Guarantee Act - easier to contact your bank and ask them to refund which is a legal requirement by them if you have served notice and done everything possible - just done this. If Virgin does try and set the DD up again, it will show that they aren't that busy!
Under the Direct Debit Guarantee all banks and building societies must refund disputed payments without question, pending further investigation.
The Direct Debit Guarantee applies to all banks and building societies taking part in the direct debit scheme.
The Direct Debit Guarantee doesn't just cover mistakes which are made by your bank. it will also cover mistakes made by the beneficiary.
If you're wrongly informed by your bank that you should pursue the company in question for a full refund, you should remind your bank that in accordance with the Direct Debit Guarantee, it is under an obligation to guarantee a full and immediate refund if the beneficiary makes an error with your direct debit.
If you're given incorrect advice by your bank and this delays matters, then you should make a formal complaint to your bank, seeking compensation for its poor handling of the matter.
If you're not satisfied you can always refer your complaint to the Financial Ombudsman Service (FOS), within six months of receiving the banks’ final response letter.
Find out how to take your complaint to the Financial Ombudsman Service.
