a direct debit?

Question

was meant to come out of my account on the 25th of this month which i know is sunday but after checking my account it has come out today which has left me skint is there anything i can do? i aint happy

Answer 1

No, normally if the debit is set to come out on Sunday it will come out 1 day earlier or the last business day before. Also a direct deposit will do the same thing. Say you are to get a DD on the 3rd and the 3rd is on a Sunday, your money will be at the bank the Friday before.

As long as you authorized the transaction, there is nothing you can do.. However, you should have somewhere been informed about this beforehand. If this has caused you fees, you might contact the place that did the debit to see what they might be willing to do.

Good luck

Answer 2

If the Direct Debit mandate you signed gave the date as the 25th of the month, the originators may not apply for the funds before that date, nor may the Bank release the funds, in which case it goes out on the next banking day, in this case the 26th.

However, a lot of Direct Debit mandates do not give a specific date, in which case it can be drawn on any date.

I'd contact your Bank and check the specific details on the mandate you signed. If it IS on a specific date, you've got 'em!

Answer 3

hi there direct debits are a pain in the a..e unfortunately companies give us no choice really as most of us are paid monthly and conditions to pay for certain things are demanded by direct debit my direct debits are set at a certain date and they are taken after the set date if the date falls on a Sunday get in touch with your bank i would of thought your direct debit payment would of been taken on the 26th? i hope you can sort this out as i know its hard when your left skint (a situation i know only too well)

Answer 4

Hi,I too have noticed my bank takes direct debits out on a friday that are not due to be paid untill the monday.If there is nothing in your account has it made you over drawn.People are claiming back unfair charges from banks.Have a look at unfairbankcharges.co.uk Good Luck

Answer 5

it all depends on when the banks runs their debits and credits, a dd will never be taken from your account on a Saturday or a Sunday by actual date.... it would be moved to the Friday or Monday.....however if it came off on Saturday or Sunday then it's likely to be Monday, Some banks run Monday's debits and credits on a Friday nights, others a Saturday and others a Sunday....check the date the dd appears on your statement....if it's MOndays date, the cheque can be returned by going into the branch and they will do a manual return.

Answer 6

Hi!
Direct debit is an instruction given to creditor to directly deduct an amount from your personal account.
Incase your case the due date for direct debit being Sunday, the transaction is carried out a day earlier i.e. Saturday.

Banks usually operate on two terms
1.Amount debited or credited as per ledger book
2.Amount debited or credited in actual terms.

In your case of early debit, the amount is debited as per the ledger book but actual fund transfer has not taken place. Actual transfer would take place at 12:00 midnight only. Its just that you would not be able to withdrew that amount but eligible for interest therein

Answer 7

No banks apply for it days in advance and if it falls on say a bank holiday or a weekend they will take it before hand on the nearest working day .Ive been there that's what I was told and you cant do any thing about it :)

Answer 8

nothing you can do as they can take it out before or after the due date if it falls on a weekend or a bank holiday

Answer 9

give em a call!! complain! as it is on a sunday it should have come out on monday!!
and if you have received charges send them the letter and get them to refund them to u!
good luck!!