The Halifax’s interpretation of the Direct Debit Guarantee
Jul 25, 2007 by Graeme in Family

If personal blogs aren’t for ranting, then what are they for?
If a payment is taken by direct debit from your bank account in error, your bank or building society is obliged to give an immediate refund:
Under the rules of the Direct Debit Scheme, should any money be taken in error, then the customer’s bank or building society must, on request, make an immediate refund to the customer’s account. [link]
We tried this with the Halifax yesterday:
- Phone banking said it takes around three weeks for the refund to happen.
- So, Lynn (the wife) took time out of her busy schedule to visit the local Halifax branch today. She quoted the direct debit guarantee to them and was told that would only apply if she went to a “main” branch. Would have been nice if they had told us that yesterday.
- Lynn’s aforementioned busy schedule and my pedal-powered transport mean that neither of us can get to a main branch today, so “immediate” slips to “at least 2 days later.”
I can’t say we’re impressed with the Halifax’s handling of this. Hardly in the spirit of the Direct Debit Guarantee, is it? I wonder where we’ll be sent when we get to the main branch?
…The brilliantly designed CradleVue laptop travel harness. It’s basically a set of straps that attach to the front seats and can hold your laptop in place, facing baby. Pop a DVD in, and you’ve got yourself a $25 “entertainment system”. Laptop obviously not included.



