Subject: Debiting bank account without authority
Description: i had a debit order with one plan for my medical cover and i have been paying even after my retrenchment last year in July until June 2011 when i wrote them a letter informing them that i will be out of funds, they must not debit my bank account anymore. They never answered me and attempted to debit my account and there were no funds. They then wrote to me that an agent will be in contact with me asap. No one came back to me until July month end when they debited my account for June and July. I asked them why they did that because i was still waiting for their agent and i never even used their services and they must return the monies debited. They then asked me to confirm that i am stopping or terminating the relationship and if i do not do that they will not be able to refund any monies. I responded by saying i cant be able to fund the account anymore but i never expected them to go into my account after i have told them not to do so. They said they will not !
refund me.
i believed they did not acted fairly to my request by promising that the agent will come back to me to assist with my problem and not keeping their promise but debited my account even after instructing them not to.
Submitted By (Submission ID): Kamohelo Tsubella from South Africa (53712798)
Dear Consumer,
ReplyDeleteWe currently do not have tie-ups in your country but can assure you to have some in no time going forward to help disgruntled consumers like you. Till then we kindly request your patience.
However we can still suggest some generic and widely applicable actions that may help you to resolve your grievance ASAP.
- if you have lost all hopes of an amicable resolution with product/ service provider then stop accepting any requests to fix the issue from them and make it absolutely clear to them that you are no longer interested in their product/ service and want acceptable and commensurate compensation for the extent of damage caused including and accounting for all the pain that you had to go through in the process.
- the best way to deal in such matters is to provide 10days written notice to product/ service provider by a registered post describing in detail the entire dispute and making it absolutely clear to them that if an agreeable resolution is not reached within the said notice period of 10days then you will be forced to take punitive and enforcement action against them.
- you may also like to indicate what you are looking for in terms of compensation to settle the dispute amicably.
- specify in your notice itself one and more possible actions which you can and intend to take such as:
-- filing a complaint with consumer court to recover financial loss.
-- filing a complaint with regulatory authorities for appropriate action for the deficiency in product/ service.
-- filing a complaint with local authorities/ governing bodies to take note and appropriate action.
-- filing a complaint with consumer welfare organizations for taking note and appropriate action.
-- registering a complaint with online consumer forums for taking note and appropriate action.
-- spreading the word on internet, social sites and by word-of-mouth to alert other consumers.
- mostly it is seen that the grievances are resolved expeditiously after such a notice is sent and the same can be expected in your case.
- however, if this doesn't work then you have no choice but to take legal action against them.
Good luck and best wishes...