Bikertec Posted July 2, 2012 Share Posted July 2, 2012 I can't believe what my bank has done. Last year I took out an AA policy on my debit card. Last week AA took out this years money without asking. And if that isn't bad enough I don't use that account now so didn't have any money in it and the bank paid it out, even though its not used and doesn't have a overdraft on it. Confronted bank about it and they said they have no control over it its AA faults to cut a long story short I was told if my insurance next year trys to renew itself with out my permission over £2000 they will pay it. Even though theres no money in the account, BTW after a lot of arguments the agreed to refund the bank charges. So beware paying anything on a debit card. Bloody banks crazy.:rant: Link to comment Share on other sites More sharing options...
JFKvsNixon Posted July 2, 2012 Share Posted July 2, 2012 I can't believe what my bank has done. Last year I took out an AA policy on my debit card. Last week AA took out this years money without asking. And if that isn't bad enough I don't use that account now so didn't have any money in it and the bank paid it out, even though its not used and doesn't have a overdraft on it. Confronted bank about it and they said they have no control over it its AA faults to cut a long story short I was told if my insurance next year trys to renew itself with out my permission over £2000 they will pay it. Even though theres no money in the account, BTW after a lot of arguments the agreed to refund the bank charges. So beware paying anything on a debit card. Bloody banks crazy.:rant: Why is it the banks fault that you paid for a recurring membership on your debit card without realising it? Link to comment Share on other sites More sharing options...
ECCOnoob Posted July 2, 2012 Share Posted July 2, 2012 Exactly what they said ^^^^^^^^^^^^^^ If you set up something on YOUR debit card with a company that has a renewal YOU are responsible for it. Why didn't you cancel if you didn't want it. Why would you expect the bank to know whether you agreed it or not. Even more so your responsiblity if YOU havn't set up an overdraft. A card transaction is automatic some money must be there and it cleared. Link to comment Share on other sites More sharing options...
MrSmith Posted July 2, 2012 Share Posted July 2, 2012 Why is it the banks fault that you paid for a recurring membership on your debit card without realising it? The problem here is that too many people are too lazy to read the agreements they enter into, or not smart enough to understand them. I suppose they are written in a way to make them difficult to understand and that long winded that many people can’t be bothered to read them. Link to comment Share on other sites More sharing options...
mafya Posted July 2, 2012 Share Posted July 2, 2012 I can't believe what my bank has done. Last year I took out an AA policy on my debit card. Last week AA took out this years money without asking. And if that isn't bad enough I don't use that account now so didn't have any money in it and the bank paid it out, even though its not used and doesn't have a overdraft on it. Confronted bank about it and they said they have no control over it its AA faults to cut a long story short I was told if my insurance next year trys to renew itself with out my permission over £2000 they will pay it. Even though theres no money in the account, BTW after a lot of arguments the agreed to refund the bank charges. So beware paying anything on a debit card. Bloody banks crazy.:rant: I had the same happen to me on my credit card, its not the bank's fault its the aa's sneaky auto renewal policy which you have to cancel if you want it not to happen again and they don't really advertise the fact they would be doing this. I also had mcfee anti virus do this to me aswell. Anything paid for this way you need to tell them you would like to opt out of their auto renewal system. Link to comment Share on other sites More sharing options...
HeadingNorth Posted July 2, 2012 Share Posted July 2, 2012 I'm equally confused. The OP signed up to an annually renewing contract, and he thinks it's the bank's fault that the renewal charge was paid? How can it possibly be the bank's fault? They are following his instructions. Link to comment Share on other sites More sharing options...
skinz Posted July 2, 2012 Share Posted July 2, 2012 Yes, it's on the second paragraph of the terms and conditions! Does that mean you have to read 2 paragraphs to get to the nitty gritty? I can see why it would be difficult. Link to comment Share on other sites More sharing options...
big_g Posted July 2, 2012 Share Posted July 2, 2012 If you pay for a subscription with a debit card (and maybe credit card) then you must cancel that with the company claiming the money. The bank cannot stop the payment. This is different from a direct debit where you can cancel the DD and, if the bank pays out - you can claim back from the bank. If you do need to cancel a debit card payment before it is due to go out - cancel with the company and ensure that you get confirmation from the company in writing. G Link to comment Share on other sites More sharing options...
mort Posted July 2, 2012 Share Posted July 2, 2012 The bickering can cease now please . The alternative is I close the thread and issue bans. Link to comment Share on other sites More sharing options...
Kerrangaroo Posted July 2, 2012 Share Posted July 2, 2012 'Mort' is the French word for death Link to comment Share on other sites More sharing options...
Recommended Posts
Archived
This topic is now archived and is closed to further replies.