Bank Ddebits

[tamborine]

Bank is refsinb to pay my DDs coz I use my business address instead of home address. Home address is in their files but my home post is insecure as others can access it.

As a result am getting threats of penalties from DDs companies & have resorted to settling payments by credit card. Is this bank refusal normal ?

[bednobs]

I am not sure, but if you do online banking they don't need to send you anything in the post anyway

[tamborine]

I do online banking but my DDs are still not met by bank. Am in credit so there are sufficient funds. Ive been with this stupid bank for 40+ years & complained about this for past 2weeks but I just get promises to fix it.

[bednobs]

wht i mean is, if the problem truly is your address, and the reaso you don't want to use it is insecure mail, just change it to your home address - insecure mail will not be a problem if they never need to write to you

[tamborine]

I receive cheque & paying in books thru the post.

[bednobs]

well pick them up from the branch then

[tamborine]

That wont solve DD problems.

[bednobs]

i don't know if you are deliberately misunderstanding me or not.
If you want to solve your DD problem, and the bank are saying it's because of your address, change your address to your home address. if your mail to that address is insecure, Don't get paying in books sent to you, but go to the branch to pick them up

[bednobs]

also, just ask the other people in your home not to open your post!
Who on earth do you live with that you can't trust not to nick your chequebooks?
Also, just do an online payment rather than pay by CC

[hc4361]

bednobs, tambo may live in an apartment where the mail is delivered to pigeon holes in a communal area.

[ubasses]

Not usual in my near 4 decade Banking career. You should be able to have 2 addresses on your file. Your home address which they use to do any checks and a postal address for mail. It is not unusual for a small business or students to want mail to go to a different address.
When 'returning' a DD unpaid they have to give a reason, have you asked the originators what they have been advised as the reason?
Has the Bank specifically told you that is the reason they are not paying them?
In this computerised world, I do not see how manual intervention even comes into play. The BACS processes the DD straight to your account and it should automatically be paid unless there are insufficient cleared funds to meet it, when it will then flag up for a decision.
Other than that the Bank would have to place a marker on your account for your transactions to be referred regardless of funds.
I will add I have been retired a few years now but cannot imagine things changing that much.

[tamborine]

Credit in my account is healthy. Maybe time to close the account & move on...after penalties for DD refusal have been reimbursed. Nat West are the culprits.

[ToraToraTora]

I have never know the address to be relevant on a DD, we are missing something here.

[tamborine]

Ttt, bank dont like me having 2 postal addresses, one is my business & tother is my home. Bank has my cell phone number only for contact. My branch have promised to sort it but the central office are the sticklers. Meantime, my motor ins DD has been refused as has home & business insurance.

banking is rubbish - time to use cash only :(

[ToraToraTora]

all I am saying is that I have never had to add my address to a DD mandate, so I don't see how the address comes into it.

[Islay]

I am with the same bank and had 2 postal address at the same time without any issues

[Peter Pedant]

I would go into the bank and see the manager
and demand they change it in front of you

or change but dont go to Tesco Bank- their security systems truly are crip

and yes it sounds like a story

make sure your new bank will accept two addresses .....

Ubasses will confirm ( I hope) that alot of service issues depends on the quality of the manager ...

Midland in 1990 just closed my branch ( in Darzet aaaarh ! ) and didnt tell me where they had put my account and unpersoned me as well. oh and disconnected the phonic so no one who cdnt bank cd find out what had happened ....and my debit card looked just like a Midland card ( hem hem) but had no disclosable information on it

Manchester midders said " well I can tell you what they have done but none of us believes they have actually done it " I changed my bank

to the RBS which in the words of Milton Friedman is "the least worse of a pretty poor bunch" - least worse is meant to tbe the direct opposite of 'much better'

[Peter Pedant]

yeah agreed ubasses
well more like bow down to ubasses and kiss her angel bejewelled feet ....

DDs are all numbers and NOT addresses - so the numbers HAVE to be right and the written stuff matters not a diddly squat

but things ( CDD and all that ) may hve changed

[tamborine]

No DDs honoured by bank! Spent hours arguing at local branch (holding up tut-tutting queue) and costly phone time all to no avail. Enquired at another bank to open new account but too much red tape & faff atm to follow thru.

Too stressed & exhausted by bank, so will plod on regardless & see what happens. Hope no one has reason to sue me for accidents coz with DDs unpaid, am not covered by insurance :(