Oh girls I'm fit to scream here, (this is long)
We changed banks last year and I left the other account in our old bank still open with a few euro's in it as you'd all our bills and stuff come out of the new account and I just wanted to have someplace where we could leave a few euro and not worry about it iykwim. Well I did everything, transferred everything over, mortgage, car insurance, h2b's van payments etc, and the monthly direct debit for the heating oil. In the meantime I wasn't happy with the service of the oil company so we changed to a new company. So I cancelled the old company's standing order and set up a new one with the new company. Grand. Or so I thought. I got a statement in the post yesterday from the old bank account and it said that we were over 1000 overdrawn.
To be honest if you cancelled your standing order with your bank then its thier fault rather than the oil company, although the oil company should have picked up on the fact they were getting money for nothing. Get on to the bank and get your statement and any written proof you cancelled the SO and see what they have to say first - also make sure that they refund you any charges you may have incurred by going overdrawn. As for the Oil company, don't take any sh*t from them either, demand a repayment in full as early as possible - they can't refuse to pay you and take it off the next bill, so just stick to your guns.
this always happens... it has happend twice to me and to some of the girls..... where you cancel a standing order or direct debit and it still magically comes out of the account the following month.... I'm not sure who is to blame.... but basically get on to the bank ask for a copy of your cancellation... you did cancel it in writing....... you have to cancel these things in writing to the bank and to be on the safe side one to the company in question.
With standing orders you have to cancel with both places as far as i know, the bank and the company because they need to cancel it from their end.
With a direct debit you can cancel it at your end and that's it then.
You poor thing, I'm sure it will work out. Friday 13th
Ya but the thing thats annoying me is that for more than 6 months the first oil company were taking the same amount out of 2 different bank accounts
[quote="xmaslove":3ms1m79p]Ya but the thing thats annoying me is that for more than 6 months the first oil company were taking the same amount out of 2 different bank accounts
[quote="xmaslove":30zsj9d8]Ya but the thing thats annoying me is that for more than 6 months the first oil company were taking the same amount out of 2 different bank accounts
Oh we had an overdraft facility in place but still, we've been charged interest on it now that we shouldn't have been. When I transferred over all the things to the new account I got a form from the oil company and filled in the details of the new bank with them. I told them I was transferring to another bank they assured me everything was ok but I should have known they sent me nasty letters before saying I owed a certain amount and I couldn't understand it and it turned out the money was going to their other office in Cork. I also told the old bank to cancel the standing order. To be honest I can't remember if I signed something, I think I did but I can't honestly remember this minute. I'm heading down to the bank in about half an hour to see what the story is to get all my facts before I ring the oil company. And then to top it all off I was meant to pay the phone bill last week but my granny died and I forgot, and they cut off the phone yesterday, no letter nothing
Well got everything sorted, they are refunding me the money, posting out a cheque today, I got all the things that shouldn't have been there cancelled and got my phone reconnected so I'm ok again I can breathe,
Thanks for the advice girls I was very low this morning.
xmaslove, glad you got things sorted, sorry to hear about your granny. Its a lesson I learned recently too - keep a copy of absolutely every official document you sign until you know its sorted correctly.