conditions of direct debit

[bendigedig]

o2 have taken 100 quid out of my account by mistake and wont refund it for 28 days - my bank says that there are conditions that state an incorrect debit must be refunded immediatley - i cannot find anything an the internet that can prove this when i call o2 tomorrow - can anyone help?

[madman06]

i had same problem with 02 told them that if i go over drawn they will be taken to court,PIFF PAFF POOF my money was back,also told them ill cancell mine and the girlfriends account like they say read the aggrement

[CheekyChops]

According to the direct debit guarantee, if an error is made when collecting a direct debit, you are entitled to an immediate refund - from your bank, who must then claim it back from O2 (or whoever).

See here: http://www.bacs.co.uk/BPSL/directdebit/general public/yourrights/

[bendigedig]

thanks both, at least now ive got something certain to say when i call tomorrow - so its my bank i need to contact then not o2

[redcrx]

watch out with O2, they have doen it to 3 people i know including myself. They refused to give payment back but credited the statement the following month. Because i had cancelled the DD and sent them the correct figure (taking over payment out) i was then deemed as being in arrears every month and every month when they sent the statement i was cut off the very same day. Each month taking 3 days to reconnect. I was pregnant at the time and need my phone when travelling so i was not best pleased. it took 6 months to sort out the problem and they even tried to take it through the courts.

I got out of my contract in the end, luckily.