Freedon of information

Bank error------ say that unless it is sorted in your favour you will report it to banking ombudsman
Just make sure you have all the account names,numbers and sort codes.

Banks seem to have a habit of closing accounts that have no or little use and the onus placed on the account holder to prove everything to get their money back

[maviczap]

[northwind]

Yup, DDs aren't sent, they're taken. Unfortunately this won't meet the criteria for a direct debit indemnity claim. It's not up to the paying bank (ie the bank that your payment went out of) to resolve, it's the receiving bank or the DD originator (which presumably is also the receiving bank?)

The DD system's a bit weird- even if an account's closed, if that originator collects a direct debit it'll still be posted to the closed account by BACS. The receiving bank then ends up with an unapplied credit and will either return it or stick it in a suspense account until something else happens. But that's rare with DDs for pretty obvious reasons, if a company calls a DD and doesn't receive the funds where they expect to, they tend to notice.

Oh. Is the "other bank" a building society or former BS? They often have special account rules which complicate matters, frinstance some have bucket accounts that all inbound funds go to and are then disbursed using the reference number rather than the account details.

I'd suggest you ask the paying bank to do you BACS traces for each of the DDs and then contact the receiving bank/originator with those. Unfortunately I can't access the DD systems any more or I could do some sniffing around for you.

There is no legal obligation on a customer to check bank statements.

Ker-chinnggggg

I thought you couldn't close an account with the say so of the holder. (i vaguely think that they can if it not been used or something or am I talking carp again?)

[Bri w]

Sorted.

all monies now in my bank account. interest paid up, and a little extra coz i'm a lovely person and didn't rip 'em on the phone

Hugs and kisses all round

sweet, mines a large brandy and coke

nad sod the drink _ i'll take a HUGE hug!

glad its all sorted

I invoice on completion, bill's in the post

[johnnyrod]

Originally Posted by Bibio

how can it go into someone else's account if the name and numbers dont match up?

If the numbers match an account then they take no notice of the name, had that problem before where I made a mistake with an account number. They (Barclays) treat the name as a reference and nothing more. Idiots, it's not like they couldn't match a name or a least flag it up if it doesn't look right, but as 45etc. says they're not really very careful.

Glad you got it sorted Bri.