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Changing Direct Debit amount

posted by powerless | A year ago

Yet again SP make it as difficult as possible to change direct debit downwards.

If everyone is struggling with trying to pay the right amount for their energy and not the inflated amount makes you wonder how much surplus SP is sitting on.

Yes I know all the arguments about seasonal etc.

Just renewed too. Think I might use cooling off period.

Frustrating or what.

Martin Lewis nil points for SP customer service

11 comments
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posted by Jonnel | A year ago
Re: Changing Direct Debit amount

@powerless Thing is, most people don't understand what 'direct debit' means - they confuse it with the Standing Order. In simple terms, direct debit means a payee can ask for any amount of money from the registered payer's account without having to ask for authorisation each and every time. That's all it means. Really. It doesn't mean the amount will stay the same, or even that the day it will be taken will be the same every month, it just means whenever the payee (Scottish Power in this case) want some money from you, they don't have to ask you before they take it, because you've already agreed to let them take it. And how much they want, and whenever they want...

If people want control over how much they pay registered payees, they should use a standing order. Payers have full control over standing orders - both dates and amounts. Which is exactly why big firms like energy providers like direct debits...

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posted by powerless | A year ago
Re: Changing Direct Debit amount

Thank you. I do understand payment systems. That’s not my issue. Perhaps I didn’t explain the issue properly. 

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posted by Jonnel | A year ago
Re: Changing Direct Debit amount

@powerless Shoot, I've got all day. Thing is, with direct debits you're on to a loser right from the start, because even if you do suceed in lowering your dd, SP have the option to raise it again as soon as they like - all they have to do is give you 10 days notice, which they do by the online account messaging system that no-one ever looks at and doesn't trigger your daily email, so you never know you've been given that notice till your bank tells you.

It's clever really, because most people DO actually want the convenience of direct debit and most people DO want to spread their higher winter bills over the summer months when they use less. I know, it's  the huge variations that SP do that makes all the difference, but that's why it's clever... they make their cheaper tariffs dependent on paying by dd then harvest huge credit balances from their millions of customers, recorded in their business accounts as liquid assets. People WANT dd's and SP want people to want them. Business sense, you see - give the people what the want, but make what they want profitable.

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posted by AULDPHART | A year ago
Re: Changing Direct Debit amount

I would like to reduce my direct debit payments to bring my credit amount down to an acceptable ammount and am unable to find a way to do so. 

I thought Scottish Power did this as part of the deal??

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posted by Jonnel | A year ago
Re: Changing Direct Debit amount

@AULDPHART Yes, they do - once a year, at your annual review, IF you're hugely in credit, AND it's not on the cusp of winter, AND there's not a price increase in the offing, AND your tariff isn't close to ending, AND the I.T. department hasn't messed up the whole shebang, AND the Customer Service operative didn't get out of bed the wrong side that morning, AND there's a pile of something smelly on the floor behind the director's kid's toy rocking horse...

You might be better off just asking for a refund. Oh... but then again, you might not, so here's a trick:

Don't submit readings any time close to when your next monthly DD is due to go out, but immediately AFTER it's been taken. It should trigger an automatic re-calculation of your account leading to a drop in the following DD amount. That's worked for me, but only for a few months at a time.

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posted by whiteowl | A year ago
Re: Changing Direct Debit amount

I have my dd going out on the first of every month, sometimes it comes out on a none working day and does not hit SP acount till later As my monthly readings go in on the first too i wait till ithas hit my account and i enter meter readings,usually later in the evening.  I find when this happens my DD canot be lowered in fact it goes up as i am in debt so i take the hit for that month and when i do my reads the next month i can take it down to what my bill will be. I do keep my payments  to cover my bill, Off course as i come to winter i up my DD myself  to keep SP from putting it up too much. I find this works well for me. 

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posted by Reade | 12 months ago
Re: Changing Direct Debit amount
due to being on benefits which have been stop waiting for appeal date unable to may any more than £20.00 per month
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posted by Pink76 | 6 months ago
Re: Changing Direct Debit amount

Scottish Power so far have been one of the worst companies to deal with.I am a new customer and appalled at how i can be £2 odd in debt for a quarterly bill and they want an extra £45 and £200 upfront. I think i will pay the penalty and move as had enough already

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posted by Firebrand37 | 5 months ago
Re: Changing Direct Debit amount
Can you please review my direct d edit it is far to high account no 1600 7173 186 new century club 5-8 bright street swindon sn2 8bu