topic Direct debit set up without my knowlege! in Pay Monthly

Direct debit set up without my knowlege!

Anonymous — Sat, 04 Oct 2014 08:31:30 GMT

Hi all,

Thought I should let you all know, when I upgraded my phone, o2 set up a direct debit without telling me!

I have always paid via card after being billed for calls I didn't make by One2one (tmobile) some 15years ago.

I just called o2 to actully set up a direct debit as I thought it was about time I trusted a mobile company again, only to be told that one was set up when I upgraded to a refresh tariff.

So all's well that ends well, however I do feel like this should have at least been mentioned when I upgraded in store.

Re: Direct debit set up without my knowlege!

Anonymous — Sat, 04 Oct 2014 08:36:34 GMT

Hi Immx,

In all fairness they have your details because you gave them and most important, it's part of the O2 Refresh terms and conditions that you have a DD setup, so it's all in your contract. Hope this clarifies it for you

Re: Direct debit set up without my knowlege!

Cleoriff — Sat, 04 Oct 2014 08:38:09 GMT

@Anonymous wrote:
Hi all,

Thought I should let you all know, when I upgraded my phone, o2 set up a direct debit without telling me!

I have always paid via card after being billed for calls I didn't make by One2one (tmobile) some 15years ago.

I just called o2 to actully set up a direct debit as I thought it was about time I trusted a mobile company again, only to be told that one was set up when I upgraded to a refresh tariff.

So all's well that ends well, however I do feel like this should have at least been mentioned when I upgraded in store.

They must have had your bank details somewhere in the system to set this up?

When you phoned them did you ask CS how this had been actioned without your knowledge...i thought it was something that was done on a refresh tariff...

Re: Direct debit set up without my knowlege!

Anonymous — Sat, 04 Oct 2014 08:37:40 GMT

Hi

It is part of the terms and conditions of a contract from O2 that a direct debit is set up.

When one fails for whatever reason as O2 do want paying they do currently allow other methods.

We hear so many stories of bills not being paid manually on time resulting in blocked accounts and sometimes worse - a default on a credit file that lasts 6 years it is best practice to have a Direct Debit Set up as the primary method of payment.

Re: Direct debit set up without my knowlege!

Anonymous — Sat, 04 Oct 2014 08:41:57 GMT

You are all correct, it is clearly in the T&Cs and yes, the guy in store took my debit card, I assumed for ID, so probably took my account details off that. I did want to set up a DD, my only gripe is that the guy in store could have at least said, "I'm setting up a DD for you" that's all.

Re: Direct debit set up without my knowlege!

Cleoriff — Sat, 04 Oct 2014 08:50:17 GMT

Much better this way @Anonymous ....the awful stories we read on here about some problems when DD isn't set up... Anyway, enjoy your phone knowing that you have little to worry about....payment wise...:smileywink:

Re: Direct debit set up without my knowlege!

Anonymous — Sat, 04 Oct 2014 08:51:17 GMT

I agree with you, that is not the proper way to do it. The card is taken for the credit check, and he should have asked you what dd details you wanted to use, not just take them off the card.

Re: Direct debit set up without my knowlege!

Cleoriff — Sat, 04 Oct 2014 09:04:50 GMT

@Anonymous wrote:
I agree with you, that is not the proper way to do it. The card is taken for the credit check, and he should have asked you what dd details you wanted to use, not just take them off the card.

I agree...as I said in my first post, I queried how this could have been done without the OP giving her HIS bank details...and more importantly agreeing to the terms and conditions of the Refresh scheme

Things may well have changed now but when I personally have set up any DD, I have had to complete and sign paperwork as part of the process......

Re: Direct debit set up without my knowlege!

Anonymous — Sat, 04 Oct 2014 09:00:10 GMT

*cough* his bank details *cough*

It probably was, but it was a case of the sales assistant saying, here's you new phone, sign here, here, here and here.

Re: Direct debit set up without my knowlege!

Cleoriff — Sat, 04 Oct 2014 09:05:45 GMT

@Anonymous wrote:
*cough* his bank details *cough*

It probably was, but it was a case of the sales assistant saying, here's you new phone, sign here, here, here and here.

Apologies for inferring you are female @Anonymous I usually avoid all reference to gender in my replies..so this time...you got me...

NB: I have edited my post before this one.....

Re: Direct debit set up without my knowlege!

Anonymous — Sat, 04 Oct 2014 09:13:50 GMT

It should have been part of the set up conversation with you regarding the tariff/ phone and account.

Sometimes in the excitement of getting a new phone some of the set up info is not digested. (Not that I'm suggesting that is the case with you.)

Enjoy your new phone.

Re: Direct debit set up without my knowlege!

jonsie — Sat, 04 Oct 2014 09:19:29 GMT

I'm fairly sure that a mandate would have been signed instore...

Re: Direct debit set up without my knowlege!

Anonymous — Sat, 04 Oct 2014 09:25:59 GMT

Well assuming not everything was mentioned on the day u got the phone, are u aware that you will have 2 separate DDs, one for the airtime and another for the phone?

Re: Direct debit set up without my knowlege!

Anonymous — Sat, 04 Oct 2014 09:33:09 GMT

Yes, I was aware of that. To be honest Having to make two payments instead of one is what prompted me to call O2 to set one up which is when I got told there was one already.

@bandofbrothers, the sales guy didn't really say much. Just asked if I knew which tariff I wanted, which I did, and do you have your bank card? And then sign here, here, here & here. Right that's it your all done, enjoy your phone!

The whole thing took around 6-7 minutes!

Re: Direct debit set up without my knowlege!

MI5 — Sat, 04 Oct 2014 16:57:04 GMT

@Anonymous wrote:
the sales guy didn't really say much. Just asked if I knew which tariff I wanted, which I did, and do you have your bank card? And then sign here, here, here & here. Right that's it your all done, enjoy your phone!

The whole thing took around 6-7 minutes!

So you didn't actually read what you were signing or ask any questions....?

I know you are unlikely to get ripped off in this kind of situation but you really should check....

I was watching something on TV this week where there were reporters on the street handing out free tea and coffee (T&C's apply). People had to sign a form to get a free drink, but they were signing up and agreeing to hand over their car keys, run naked down the street and all sorts - None of them read what they were signing up to, which is very worrying.....

Re: Direct debit set up without my knowlege!

Beenherebefore — Sat, 04 Oct 2014 18:26:20 GMT

The other aspect to this,if you didn't realise what was happening, is that the card that you handed over as ID may not have been for the account that you wanted the DD assigned to.

Re: Direct debit set up without my knowlege!

Anonymous — Sat, 04 Oct 2014 21:00:14 GMT

Beenherebefore: "The other aspect to this,if you didn't realise what was happening, is that the card that you handed over as ID may not have been for the account that you wanted the DD assigned to."

That is the ONLY point of this whole thread. Yes it was in the T&Cs, yes I should have carefully read all the small print, but that's missing the point of why I started the thread.