Can my bank transfer money without my authority

Hi,I need a bit of advice.If there is anyone on ATS knowledgeable with the U.K banking system.?
Basically,I canceled a direct debit over the phone with my bank.A few weeks after the payment was not received,my bank transfered the money without my authorization.

To me,without digging to far into it,it is like a form of theft.

If anyone could shed a ray of light on the matter,it would be much appreciated.

Thanks Lewtra

reply to post by lewtra


For any automatic transfers to be canceled, one has to go into the bank personally and write up the request. Each bank is different on their procedures, but the written notice is your best bet. When you call someone up on the phone to discuss your account, you may be talking to a temp or a customer service agency that is doing the work for your bank. You are not talking to your personal branch or anyone inside the bank itself. The only word you have is from the operator you talked to when you made the transaction.

For any important items like canceling automatic debuts, always go to the bank personally. I know it can take time to do so, but it is good practice.

I was a temporary worker who did customer service for a bank. They are very impersonal, and would get upset if I spent more than a few minutes with a customer. The argument was they could go inside and get the stuff done. After my 90 days were up, I left that job as it was too frustrating. (Many of the customer service people do not know what they are doing, so use them for account balances and such only.)

reply to post by kidflash2008

Thanks for the advice Kidflash.I have proof that the direct debit was canceled because they forwarded a letter stating the cancellation and I would have to make other arrangements for payment.

In the meantime they took it upon themselves to setup a new transfer(In a new name)without my consent.

I find it odd that they have the power to transfer money from my account without my permission.

I think I will have to get some advice from a solicitor on the matter.

Thanks.Lewtra

reply to post by lewtra


They do need your permission to set up any type of debut in your account. It is time for you to change banks. Go to a credit union or equivalent in the UK. They are much more personable and can take care of you without having to deal with customer service agents in India or some other far off place.

Originally posted by kidflash2008
reply to post by lewtra

 

They do need your permission to set up any type of debut in your account.

Exactly,That is what is bothering me,it is as if they have complete control over my money.
I should have posted this in the NWO forum.

Thanks for your help Kidflash.I am going to the bank tomorrow to see the manager.I will post the outcome here.