direct debit problem

[wolfetony]

can anyone tell me who,s right in this issue ive tried to reinstate my sky direct debit with my bank rbs but here lies the problem with me caught in the middle rbs say that the dd ref no which also happens to be my sky acc no cannot be used to set up dd saying sky,s fault for not changing ref no sky,s reply is that they cannot change this no as its unique to me and its against company policy to change it,anyone any ideas whos telling the truth as i am banging my head of a brick wall not to mention sky will charge me £4 per month for an invoice which i am not willing to pay all i am trying to do is set up a direct debit what the hell is the problem with these two.

[jules77]

First problem is that D/D's are initiated by the Company and not the Bank (unlike standing orders). and most Banks are unable to reinstate a D/D once it is cancelled. The only option would be to complete a new mandate which Sky would need to send you and return it back to them. They will then send this on to the Bank, which would give the Bank the authority to pay the D/D when Sky call for it. Most of the large companies are a member of the AUDDIS system, and some can set up D/D's their end, without the need to contact the Bank, and can do this over the telephone.

In conclusion..........Sky need to be taking the lead on this one, as the Bank cannot change any details, including reference numbers, on the D/D instruction.

[wolfetony]

ive already completed 2 mandate forms for sky yet rbs keep returning them saying sky have to change the ref no which is also my account no with them sky say the access no is unique to my address so can't be changed so why doesnt the bank accept it

[jules77]

So when you completed the mandate forms, did you send them direct to Sky or to the Bank first? They need to go to Sky for them to set up the mandate and then send on to the Bank giving the Bank your authority, if that makes sense. There is no reason for the Bank not to accept a direct debit instruction, the reference could say Jo Bloggs, and it wouldnt matter to the Bank as long as Sky can match it up to your account. I have worked for a Bank for over 30 years, not RBS though.

[wolfetony]

the mandate forms were done over the telephone to sky then about a week later a letter comes in from sky saying and i quote the letter here we,ve heard from your bank that there is a problem with the new direct debit details supplied for your sky account. that means they are either wrong or your bank has rejected them. it then goes on to say they will invoice me instead with a monthly admin fee of £4 because i pay by invoice not dd

[jules77]

I doesnt make sense, you perhaps need to speak to your Bank to see why it was rejected. As I said before, the reference number is of little interest to the Bank and something doesnt add up.

[bacsexpert]

The problem is how the bank cancel the DD at their end. They need to remove the 'stop' on the DD in the same way they would remove the stop on a cheque. To ask Sky to change the reference number is rubbish. The bank should be able to reinstate a DD within 2 months of the original cancellation using an ADDACS code R or allow Sky to electronically resubmit the DD using the existing reference number.