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Moderator: ArthurWankspittle
And is advised to commit full on fraud with the usual no warning of any consequences given.Is there anyway to get a direct debit reversed. My bt bill has come out today and I just can't afford to pay it it's left me with £3 in my account for a week and my cupboards are empty. The bank is Halifax
It actually worries me that people are actually prepared to do this to someone, who almost certainly, is in an desperate situation as it is.This is a scripted phone call to have with them
You need to keep it simple, don't over complicate it.
The rules are very simple "if there is an error, you have a right under the guarantee to claw back" ITS THAT SIMPLE.
"Keep it simple stupid" it should go like this....
I'd like to make a DD indemnity claim
What’s the problem?
There were errors in the amounts that should have been taken and it looks like there’s errors on all of the payments
What should the amount have been? (this is to trick you into agreeing to pay the amount you say it should have been!!!)
Not the amount taken, I'd like to claw all of the payments back from the very beginning
We only go back 2 / 6 years
No, the DD guarantee scheme has no time limit and no amount limit so I'd like to claw back all payments from that originator / Alternatively: Oh ok, that’s fine as I want to go back …. (however) many years
Can you give me full details about your complaint
With respect it’s of no concern to you, it is highly likely that this will go litigious and if we get into the why's and wherefores then I will have to call you as a witness in the case and I'm sure you would not want that, would you?
We will have to contact the originator before paying the money back
No you don't, you are obligated to pay the money back into my account within 48 hours, please keep to the terms of the guarantee
I will need to know what the complaint is
There are errors in the amounts taken, that’s all you need to know.
Now if they refuse your clawback for whatever reason, just say I don't believe that's correct so I would like to speak to your SME - Subject Matter Expert - who'll invariably be the persons supervisor. Likely she will put you on hold for couple of minutes then come back and say yay ok you can have it or she'll put you through to the SME
If SME won't budge, highly unlikely, then it's them you need to mention ombudsman to as the call handler won't care but she will as banks are automatically fined £350 for each case.
There's always somebody;AndyPandy wrote:She's a vile excuse for a human being! I can only hope she doesn't have children, but then again who would want to breed with that !
Yes, as Skeleton says, this is plainly a criminal offence (and will be evidenced by the bank's call recording system) -I'd like to make a DD indemnity claim
What’s the problem?
There were errors in the amounts that should have been taken and it looks like there’s errors on all of the payments
This is a scripted phone call to have with them
You need to keep it simple, don't over complicate it.
The rules are very simple "if there is an error, you have a right under the guarantee to claw back" ITS THAT SIMPLE.
"Keep it simple stupid" it should go like this....
I'd like to make a DD indemnity claim
What’s the problem?
There were errors in the amounts that should have been taken and it looks like there’s errors on all of the payments
What should the amount have been? (this is to trick you into agreeing to pay the amount you say it should have been!!!)
Not the amount taken, I'd like to claw all of the payments back from the very beginning
We only go back 2 / 6 years
No, the DD guarantee scheme has no time limit and no amount limit so I'd like to claw back all payments from that originator / Alternatively: Oh ok, that’s fine as I want to go back …. (however) many years
Put your claim in writing giving details of the amounts you think are wrong.
Can you give me full details about your complaint
With respect it’s of no concern to you, it is highly likely that this will go litigious and if we get into the why's and wherefores then I will have to call you as a witness in the case and I'm sure you would not want that, would you?
Almost never going to happen in a civil case. The company would be represented by a lawyer and would have a transcript of the recording of the telephone conversation. Plus at best the complainant will have a first name. Good luck with that where the business has 6 x 300 person call centres spread across the country.
We will have to contact the originator before paying the money back
No you don't, you are obligated to pay the money back into my account within 48 hours, please keep to the terms of the guarantee
I will need to know what the complaint is
There are errors in the amounts taken, that’s all you need to know.
See above - detail the errors in writing and we'll look into it.
Now if they refuse your clawback for whatever reason, just say I don't believe that's correct so I would like to speak to your SME - Subject Matter Expert - who'll invariably be the persons supervisor. Likely she will put you on hold for couple of minutes then come back and say yay ok you can have it or she'll put you through to the SME
Having worked in a call centre, my supervisor never took pone calls.
If SME won't budge, highly unlikely, then it's them you need to mention ombudsman to as the call handler won't care but she will as banks are automatically fined £350 for each case.
Not for this situation I don't think
If an error is made in the payment of your Direct Debit, by the organisation or your bank or building society, you are entitled to a full and immediate refund of the amount paid from your bank or building society
If you receive a refund you are not entitled to, you must pay it back when the organisation asks you to
Yes it is obvious even to the cretins who hand out this dangerous advice, but these people do not care about anyone else but themselves, if they can get one of these DD claw backs to stick they have won as they see it. If people have Bailiffs at the front door or are charged with fraud then they need to put up with it because they are taking one for the team. BTBATB has many a post claiming success, and no doubt many do initially succeed, because the system at present is open to abuse, but what it does not have is the resultant misery caused as the DD is chased back down again. They never post about that because I guess they are to embarrassed to or more likely know they would be judged, blamed for doing it wrong and most certainly banned for pointing out the advice they were given was wrong.#six wrote:Once again they show a complete lack of basic comprehension.
The DD guarantee says
If an error is made in the payment of your Direct Debit, by the organisation or your bank or building society, you are entitled to a full and immediate refund of the amount paid from your bank or building society
If you receive a refund you are not entitled to, you must pay it back when the organisation asks you to
The key word being IF. Its obvious to everyone average IQ that that means the banks are entitled to see some proof that error occurred and that getting money back will not just happen on their say so. It's also quite clear that if you get money back to which you are not entitled to that the bank and the organisation are entitled to take legal action to recover that money.
So the script is:This is a scripted phone call to have with them
I think the appropriate reply would be "No, I wouldn't mind at all. We do get called to give evidence in court sometimes, it's the best part of the job. Once I had 3 nights in London in a really nice hotel, and I only had to be in court for about 20 minutes. Full pay, with expenses - it was brilliant! "ArthurWankspittle wrote:As a business I'd be doing this:With respect it’s of no concern to you, it is highly likely that this will go litigious and if we get into the why's and wherefores then I will have to call you as a witness in the case and I'm sure you would not want that, would you?
Almost never going to happen in a civil case. The company would be represented by a lawyer and would have a transcript of the recording of the telephone conversation. Plus at best the complainant will have a first name. Good luck with that where the business has 6 x 300 person call centres spread across the country.
A lot of ours used to be, but customers hated it. BT, Barclays and Santander, in particular, had a huge backlash against it, and it ended up causing more problems than it was worth, resulting in them bringing the call centres back to the UK. I think most major businesses have UK-based call centres now. For such a small country we have such a wide range of regional accents and dialects. I find it difficult to understand someone with a broad Geordie or Northern Ireland accent, so goodness knows how someone in Bangalore would get on with that. Cost versus value was a hard lesson for businesses to learn.Gregg wrote:I dunno, is this a thing in Britain, in the US a LOT of call centers are actually overseas.
Back when I was a service engineer I would give technical advice to people free of charge even if they weren't customers on the basis that it didn't cost anything, it was good PR for the company and might lead to a call-out or a sale but the sense of entitlement from some people beggared belief.TheNewSaint wrote:As anyone who's ever called tech support knows, 90% of the time your first contact is some minimally-trained person who can do little more than read from their own script. First-level contacts are not empowered to respond to legal threats, and have probably been instructed not to do so. I suspect anyone trying the approach suggested in Skeleton's post would find their request quickly escalated, and their clawback request flagged for special attention.
It appears he has learned how to cut and paste. He posts random rubbish like this about once a day now, he may wish to consider changing the American spelling to the British spelling if he is seeking to fool anyone into thinking he actually wrote any of them.Carl Cunningham
10 hrs
It’s very doubtful that Muslims were behind 9/11. Think about this for one minute: That President Bush’s family had done business with the family of the man who allegedly made the terrorist attack, Osama Bin Laden. The Bin Laden family was actually on the board of Bush’s oil company. How is it possible that of all the billions of families in the world, the one family that makes the attack on America has done business with the President of America. That sounds more like a favor than anything else. I don’t think 9/11 was an Arab conspiracy or a Muslim conspiracy. I think it’s an American conspiracy to overthrow the government of the United States and install what is becoming a police state, and also to advance the imperial ambitions of the United States, to swindle the Middle East out of their energy resources
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