Direct Debit dates

[DisgruntledOfAshbyDeLaZouch]

AIBU to be pissed off that my DD dates seem to move to whenever the companies see fit to debit me, rather than on a set date each month?

I have started transferrring money into my various accounts weekly, with the amount needed per week only - in order to manage my money better.

Twice so far this month DD's have been taken early, messing up my new system.

Why do they do this, what benefit is it to them to take it randomly rather than a set date, why have they started doing this? EE are great, they send me a text to say they will DD me on the 10th, and they stick to that. Why can't everyone else??

YABU - they can debit when they like
YANBU - they should debit on the same date each month

They are not supposed to change the DD date unless it's at the weekend or a a BH, in which case they should take it the next working day, never before th agreed DD date.

I'd be contacting your bank and complaining.

Just to add. Is it definitely a direct debit and not a recurring payment on a credit card or something? Direct debits have very strict rules.

They can't change the date without authorisation from you.

Are you sure they're meant to be monthly, as opposed to four weekly? That could be the reason for them changing so much.

1. they can change the date if the payment is taken every 4 weeks instead of monthly, in which case they will notify you when it is due with 10 days notice (normally)
2. they can't change it if it's monthly without notifying you, normally the timeframe is 10 working days but will differ from company to company
3. it will come out on a different day if it's set for e.g. 5th monthly, but that falls on a Saturday. It will be taken the next working day. This is also true for Bank Holidays
4. there is literally no point contacting your bank unless the DD is with the bank - e.g. you bank with Barclays and it's a Barclayloan. They don't control it, they just set it up. You need to contact the Originator, the company that is claiming it

I work for a high street bank and have just completed a review of our internal usage of the BACS scheme - it is very strict and if the user is in breach then use of direct debits can be revoked.

Call the companies concerned and find out when they are actually set for.

We've had a lot of Bank Holidays lately, you sure your Direct Debit dates haven't been slightly different because of that?

No, these are all June's debits.

This- read this one!

I've never found that, not saying you're wrong but very usual that you would be finding this multiple times when it's not allowed

What sort of companies are you dealing with

Note that with a direct debit you authorise the company to charge your account with whatever the amount is whenever it is due.
(As opposed to a standing order which is a set amount on a set date)

Under your agreement the company should have provided a schedule such as your bill is produced on x date and the direct debit on y date, with bank holidays, weekends potentially pushing it back

It’s not unreasonable to expect payments to be taken on a known timetable, but the terms of your agreement will guide to when payments are taken

Origin broadband, i was migrated from SSE, and a european health insurance company, specifically.

Maybe you're mistaken by the dates, due to previous movements around a weekend?

But you seem to be making life really difficult for yourself. Surely a big advantage of direct debits is that you only need to make sure money is in the account after pay day and then you can leave it alone for the rest of the month and it doesn't matter whether the money is taken on the 12th or the 14th, for example?

If you want to separate your DD money from your grocery money, just put that in a different account or pay by credit card, with a DD set up to pay off in full every month.

That's not what a standing order is. A Standing Order is a regular payment that you, the owner of the bank account sets. You have complete control - which in turn means you are completely liable if you set it up incorrectly or for the wrong amount.

@DisgruntledOfAshbyDeLaZouch Please call the companies concerned. Only they can answer this question for you. Your bank can't.

If I put it to a regular payment of a ‘set amount on a set date’ then it is what a standing order is
(I was highlighting Standing Orders are on a fixed schedule and Direct Debits aren’t - as that appears to be the OPs issue that they expect their Direct Debits to go on a set time frame, which most of us do expect, but by authorising a Direct Debit the recipient can request at any date)

They've probably put me on 4 weekly payments 😡

I've cancelled the contract with Origin anyway, they took the acocunt sover and put the prices up, and are actually TalkTalk, so fuck that for a laugh. I won't use anything by TalkTalk.

Yes - watch out for the 4 weekly payments. It's a way to make the 'monthly' amounts seem lower than they actually are (only 1 month has 4 weeks in it - the rest are longer). I clocked this with a Vixi SIM card from Vodafone. it's still a good deal but the 4 weekly payments are annoying because they don't align any more to pay day.

You didn't make any mention of who manages the payments which is the main and most important difference between the two.

DD originator cannot request at any date. I mean I guess they could, but the rules are that they can't unless they notify you.

Not to mention, loans and mortgages will have non-changing amounts that go out at the same time every month but are still DDs and not STOs.