sky trying to taking payment after bill already paid - Sky

CuBz09 · 07-11-2009, 13:58

usually sky try taking the money out of the bank earlier than the due date which is usually before my wages go in so i end up getting a bank charge. This time i paid it early with my debit card to avoid this happening but they still tried taking it out even tho i already paid. i'v tried to stop this by ringing sky up but they will not do anyrhing. my bank said sky is responcible and it is up to sky to refund it but i rang sky and they wouldnt. what do i do? sorry about having no paragraphs but i am using opera on my phone and it doesnt have the correct feature.

rjmachin · 07-11-2009, 16:35

If you are not running low on money and it has not caused a problem, leave it and it will appear on your account as a credit, meaning you should not have to pay anything next month.

You can change the day of the month that Sky take the money, if paid by Direct Debit, on the Sky website.

methodyguy · 07-11-2009, 16:49

As far as I am aware you can specify a date that you want the money to be taken out of your bank account. At least that is what I have done.

Andrue · 07-11-2009, 21:05

Sounds like you didn't notify Sky or didn't give them enough time to modify the payment. Payments are usually initiated several days in advance so if you're going to pre-empt it manually you need to do so before then. You should also inform Sky that you've done that - it will take time for their systems to respond to a manual payment.

I suggest you talk to Sky about moving your payment to a more convenient date. Then again I'd also suggest that you review whether it is sensible to be subscribing to Sky at the this time. It sounds to me like you are dangerously overstretching your finances at the moment and it's not worth it for Sky.

Red Arrow · 07-11-2009, 21:20

Andrue is correct. 14 days before your payment due date the process begins to get the money from your account. So it doesn't matter if you make a payment over the phone, if it's within this 14 day period the money will still be applied for regardless of what your current balance is.

To be fair to yourself, the Sky CS agent should have pointed this out when you asked to make the payment (I'm assuming you did this over the phone here).

Andrue · 08-11-2009, 09:25

Quote:

Originally Posted by Red Arrow

To be fair to yourself, the Sky CS agent should have pointed this out when you asked to make the payment (I'm assuming you did this over the phone here).

That's a point I overlooked. Yes, it'd be remiss of Sky if they didn't mention that.

fackingspiders · 09-11-2009, 00:14

If you were paying within 14 days of your DD due date, you should've cancelled the DD. As previously stated, you can register with My Sky and shift your DD date back a few days so that your wages hit the bank before paying Sky.

CuBz09 · 09-11-2009, 00:22

The due date is the 4th of every month. I get my wages on the 28th of every month. But sky always try taking the money out before the 28th, this isn't right is it?

fackingspiders · 09-11-2009, 00:32

As far as I am aware (without reading DD small print) A DD can be taken whenever the recipient wants it regardless of what date it normally goes out. If I'm wrong, I'm sure someone will correct me. Register your account at My Sky and it will say when they expect to take the cash.

fackingspiders · 09-11-2009, 00:36

From the financial ombudsmen website:

direct debits are:

customers’ authority for beneficiaries to claim payments (variable in amount and frequency) from the customers’ accounts; and
customers’ instructions to their bank to allow the taking of those payments.

A standing order requires the customer’s bank to send the money. A direct debit requires the beneficiary to claim the money.

Typically, a standing order might be used to pay a fixed amount to a savings account or to a local club. A direct debit is more likely to be used to make payments that can vary from time to time – such as mortgage instalments or utility bills.

The day-to-day advantage of a direct debit over a standing order is that, as and when the payment amount changes, the beneficiary will claim the new amount automatically – after telling the customer of the change. With a standing order, customers need to give their bank new instructions each time a change is needed.

CuBz90 · 09-11-2009, 00:57

My bank told me that it is illegal for sky to go into my bank before the date i was advised, which was the 4th

fackingspiders · 09-11-2009, 01:25

I have seen the expression "on or around" used when referring to DD's which would imply that it could go out a day or 2 before the due date, but not a week. I can't comment on the legality of what Sky do.

Have you tried to change the date of your DD? Push your DD back a week or 10 days. OK, so one month you will have to pay for about 5 weeks (as it's paid in advance) but that's gonna be cheaper than a bank charge.

CuBz90 · 09-11-2009, 01:31

well anyway, i rang sky yesterday again, and the women i spoke to said that the direct debit should not have been took out because i had already paid it, so said she would give me a call but i waited all day today and still not had a call, so i will call them tommorrow if they dont call me

fackingspiders · 09-11-2009, 01:54

They never call back.

As post #2 states, if you're not short of cash you'll be in credit so won't need to pay next month.

I am not sure what Sky CS could of done when you called to pay except advise you that they couldn't stop the DD going through. It would of needed to be cancelled altogether. When your bill is finalised 14 days before it's due, sky apply for the DD for that amount and it cannot be changed.

In the first post, you imply (by saying "usually") that this is not the first time this has happened, so something is amiss somewhere. I hope you get it all sorted.

'Oaks Addict · 09-11-2009, 09:15

Hey chick, I work for Sky and all I can advise you is something rubbish and what you won't like. (which is why I've just handed in my weeks notice!)

Even when you pay your bill by cc or db before the dd should have come out, the dd will still automatically have come out. What you should have been advised when you first called was that you should have cancelled the dd with your bank and then 14 days before the normal date, set it back up. Our systems are pretty crap so we cannot cancel a direct debit or delay it.

I'd write to our Customer Relations, which are always amazing, always answer letters etc.

It's:
Sky Subscriber Services
Customer Relations
PO BOX 43
Livingston
West Lothian
EH54 7DD

Good luck love, any other questions pm me

Red Arrow · 10-11-2009, 17:50

Why write to Sky? It's already been explained why this has happened.

'Oaks Addict · 10-11-2009, 18:27

Quote:

Originally Posted by Red Arrow

Why write to Sky? It's already been explained why this has happened.

Becuase she obviously wasn't told to cancel her dd which she should have been so she writes to our cust rels and she should get her bank charges credited back to her

Mark19mc · 10-11-2009, 20:28

I used to get a lot of this with BT and always used to call the bank the morning the DD had left the account and get them to recall it, the money was then put back into my account instantly. I dont know if it makes a difference but that was with LloydsTSB, saves any charges from the banks. Last time I done it was about a year ago.

Red Arrow · 10-11-2009, 22:00

Quote:

Originally Posted by 'Oaks Addict

Becuase she obviously wasn't told to cancel her dd which she should have been so she writes to our cust rels and she should get her bank charges credited back to her

I'm with you now, makes sense.

07-11-2009, 13:58	#1
CuBz09 Forum Member Join Date: Oct 2009 Posts: 13	sky trying to taking payment after bill already paid usually sky try taking the money out of the bank earlier than the due date which is usually before my wages go in so i end up getting a bank charge. This time i paid it early with my debit card to avoid this happening but they still tried taking it out even tho i already paid. i'v tried to stop this by ringing sky up but they will not do anyrhing. my bank said sky is responcible and it is up to sky to refund it but i rang sky and they wouldnt. what do i do? sorry about having no paragraphs but i am using opera on my phone and it doesnt have the correct feature.

09-11-2009, 00:14	#7
fackingspiders Forum Member Join Date: Apr 2009 Location: Uttoxeter, Staffs Services: Samsung LE40B650T2, Sky+HD Samsung 973006, Sky BB Connect, Sony Vaio, Wii Posts: 63	If you were paying within 14 days of your DD due date, you should've cancelled the DD. As previously stated, you can register with My Sky and shift your DD date back a few days so that your wages hit the bank before paying Sky. Last edited by fackingspiders : 09-11-2009 at 00:16. Reason: Spelling

07-11-2009, 16:35	#2
rjmachin Forum Member Join Date: Oct 2003 Location: Stoke on Trent Services: Sky+ HD, Sky BB Max, Sky Talk Unlimited + Sky Line Rental Posts: 1,779	If you are not running low on money and it has not caused a problem, leave it and it will appear on your account as a credit, meaning you should not have to pay anything next month. You can change the day of the month that Sky take the money, if paid by Direct Debit, on the Sky website.

07-11-2009, 16:49	#3
methodyguy Forum Member Join Date: Nov 2008 Posts: 1,868	As far as I am aware you can specify a date that you want the money to be taken out of your bank account. At least that is what I have done.

07-11-2009, 21:05	#4
Andrue Forum Member Join Date: Jul 2001 Location: Brackley, UK Services: Sky HD, Be ADSL (13.5Mb), FreeSat PC Posts: 2,005	Sounds like you didn't notify Sky or didn't give them enough time to modify the payment. Payments are usually initiated several days in advance so if you're going to pre-empt it manually you need to do so before then. You should also inform Sky that you've done that - it will take time for their systems to respond to a manual payment. I suggest you talk to Sky about moving your payment to a more convenient date. Then again I'd also suggest that you review whether it is sensible to be subscribing to Sky at the this time. It sounds to me like you are dangerously overstretching your finances at the moment and it's not worth it for Sky.

07-11-2009, 21:20	#5
Red Arrow Forum Member Join Date: Jul 2004 Location: Scotland Services: SkyHD, BT 8Mb. Posts: 5,688	Andrue is correct. 14 days before your payment due date the process begins to get the money from your account. So it doesn't matter if you make a payment over the phone, if it's within this 14 day period the money will still be applied for regardless of what your current balance is. To be fair to yourself, the Sky CS agent should have pointed this out when you asked to make the payment (I'm assuming you did this over the phone here).

09-11-2009, 00:22	#8
CuBz09 Forum Member Join Date: Oct 2009 Posts: 13	The due date is the 4th of every month. I get my wages on the 28th of every month. But sky always try taking the money out before the 28th, this isn't right is it?

09-11-2009, 00:32	#9
fackingspiders Forum Member Join Date: Apr 2009 Location: Uttoxeter, Staffs Services: Samsung LE40B650T2, Sky+HD Samsung 973006, Sky BB Connect, Sony Vaio, Wii Posts: 63	As far as I am aware (without reading DD small print) A DD can be taken whenever the recipient wants it regardless of what date it normally goes out. If I'm wrong, I'm sure someone will correct me. Register your account at My Sky and it will say when they expect to take the cash.

09-11-2009, 00:36	#10
fackingspiders Forum Member Join Date: Apr 2009 Location: Uttoxeter, Staffs Services: Samsung LE40B650T2, Sky+HD Samsung 973006, Sky BB Connect, Sony Vaio, Wii Posts: 63	From the financial ombudsmen website: direct debits are: customers’ authority for beneficiaries to claim payments (variable in amount and frequency) from the customers’ accounts; and customers’ instructions to their bank to allow the taking of those payments. A standing order requires the customer’s bank to send the money. A direct debit requires the beneficiary to claim the money. Typically, a standing order might be used to pay a fixed amount to a savings account or to a local club. A direct debit is more likely to be used to make payments that can vary from time to time – such as mortgage instalments or utility bills. The day-to-day advantage of a direct debit over a standing order is that, as and when the payment amount changes, the beneficiary will claim the new amount automatically – after telling the customer of the change. With a standing order, customers need to give their bank new instructions each time a change is needed.

09-11-2009, 00:57	#11
CuBz90 Forum Member Join Date: Jan 2007 Posts: 38	My bank told me that it is illegal for sky to go into my bank before the date i was advised, which was the 4th

09-11-2009, 01:25	#12
fackingspiders Forum Member Join Date: Apr 2009 Location: Uttoxeter, Staffs Services: Samsung LE40B650T2, Sky+HD Samsung 973006, Sky BB Connect, Sony Vaio, Wii Posts: 63	I have seen the expression "on or around" used when referring to DD's which would imply that it could go out a day or 2 before the due date, but not a week. I can't comment on the legality of what Sky do. Have you tried to change the date of your DD? Push your DD back a week or 10 days. OK, so one month you will have to pay for about 5 weeks (as it's paid in advance) but that's gonna be cheaper than a bank charge.

09-11-2009, 01:31	#13
CuBz90 Forum Member Join Date: Jan 2007 Posts: 38	well anyway, i rang sky yesterday again, and the women i spoke to said that the direct debit should not have been took out because i had already paid it, so said she would give me a call but i waited all day today and still not had a call, so i will call them tommorrow if they dont call me

09-11-2009, 01:54	#14
fackingspiders Forum Member Join Date: Apr 2009 Location: Uttoxeter, Staffs Services: Samsung LE40B650T2, Sky+HD Samsung 973006, Sky BB Connect, Sony Vaio, Wii Posts: 63	They never call back. As post #2 states, if you're not short of cash you'll be in credit so won't need to pay next month. I am not sure what Sky CS could of done when you called to pay except advise you that they couldn't stop the DD going through. It would of needed to be cancelled altogether. When your bill is finalised 14 days before it's due, sky apply for the DD for that amount and it cannot be changed. In the first post, you imply (by saying "usually") that this is not the first time this has happened, so something is amiss somewhere. I hope you get it all sorted.

09-11-2009, 09:15	#15
'Oaks Addict Forum Member Join Date: Jun 2009 Posts: 629	Hey chick, I work for Sky and all I can advise you is something rubbish and what you won't like. (which is why I've just handed in my weeks notice!) Even when you pay your bill by cc or db before the dd should have come out, the dd will still automatically have come out. What you should have been advised when you first called was that you should have cancelled the dd with your bank and then 14 days before the normal date, set it back up. Our systems are pretty crap so we cannot cancel a direct debit or delay it. I'd write to our Customer Relations, which are always amazing, always answer letters etc. It's: Sky Subscriber Services Customer Relations PO BOX 43 Livingston West Lothian EH54 7DD Good luck love, any other questions pm me

10-11-2009, 17:50	#16
Red Arrow Forum Member Join Date: Jul 2004 Location: Scotland Services: SkyHD, BT 8Mb. Posts: 5,688	Why write to Sky? It's already been explained why this has happened.

10-11-2009, 20:28	#18
Mark19mc Forum Member Join Date: May 2004 Location: Birtley, Co. Durham Services: Sky+ HD, BE Unlimited Posts: 337	I used to get a lot of this with BT and always used to call the bank the morning the DD had left the account and get them to recall it, the money was then put back into my account instantly. I dont know if it makes a difference but that was with LloydsTSB, saves any charges from the banks. Last time I done it was about a year ago.