Today I wrote a post on a blog that I occasionally write on – Blackbeard My Telegraph
I will copy it here for you two read. Its about being conned by companies and their Direct Debit Schemes, I will also put a couple of the replies it got here!
Companies need to be fairer thats my only real point to this post.
When one takes out a contract with a company for say Mobile Broadband/phone/Tv – I would really like them to give me the option to set up the direct debit so it comes out of my account pretty soon after I have been paid. It always seems that they decide to take the money say 1 week just before I have been paid.
Frustrating – how is one meant to put aside money to budget/put into savings when these potential essentials are being charged to us willy nilly. We need change and we need it now…
SteddyEddy put forward this interesting reply:
I am experimenting with Standing Orders, where you have the ability through online banking to change the date. I find this much more suitable although many of the companies seem reticent to agree.
The direct debit system is really crap, despite their so-called guarantee (“We guarantee to pay FredShred £6000 a week pension regardless”).
Agree 100% – it does need radically changing. After all, we are the customers!
Steddy, I think is right on so many grounds – surely if you want to pay as you have signed the contract you should be able to decide when they take your money? Rather then having it decided by someone else. Interesting it is possible to have the dates changed by it seems some companies will put a lot of effort into making this a lot harder then it should be. We the consumer need to stand up to this.
The MyTelegraph Blogging section is filled to the brim with fun loving fairly angry people, its a good read if you feel like also getting angy about stupid things.
Oh dear BB,
You have committed the original sin. Amicus (OTHER MEMBER OF THE COMMUNITY) will be here any moment to remonstrate with you most vehemently.
They either decide to take the payment 1 week before you are to be paid, or if you are on a 4-week rota, 3 weeks after you have been paid. You jumbled your tense. )
I know what you mean though, when the wages barely cover the cost of living, the last thing anyone needs is a 30 quid letter from Fred the Shred et al telling you that you went £0.03 overdrawn for a period of 20 minutes and they will be charging you interest of a gazillion percent as well as the cost of the computer generated letter.
Steddy has it right, somewhere along the line everyone seems to have forgotten who the customer is.
Again total agreement from my side – Fred luckily has gone from our lives but there is a new generation out only to make as much money as possible. Its upsetting really to think that people now seem only out for ‘career’ rather then being a young person and enjoying and living a fulfilling non monetary life!