ABC Daycare

[callistra]

ABC Daycare have debited my card for $200.

I haven't had kids with them since May. Early May. 2 weeks before redbraids and mikey_ob 's wedding, in fact. I know in excrutiating details exactly when my daycare ended.

They sent me a rude letter in June, saying they wanted $48.00, and that if I didn't pay it they were going to send it to a debt collector.

Okay then. I'm confused, because they debit my account automatically, and sure enough, $48 came out of my account on the 3rd day of the month in July.

Nothing in august, which is good, because as far as I am concerned, I have paid in full. Not only have I paid for a fill amount for May, despite the fact we only used 1 week, and that should cover the "2 weeks in advance" crap, but it means everything should be squared and done.

Nope. They reckon I owe them more money. So now they are 'going to send me a statement' and I said fine, and I want my money back, and they said 'we'll get an area manager to go over the statement with you,' which, again, fine, but I want my money.

Should I let the bank know *now* that I am in dispute with the provider? Or should I wait?

One day I would like someone to finish their account nicely, cleanly, and without needing me to get angry and hunt them down. What the fuck is with people these days? How can they terminate my contract with them in MAY and then keep debiting my card for four more months? And why the fuck didn't their autoatic system take it last month, which would have been logical if I owed them money, but this month?

I am shitty, because to me this is clearly a case of wrong or right. And yet there's going to be fluffing around, face to face meetings, phone conversations, DICKING ME AROUND. Why should a simple Yes/No come down to human leveraging and pressing the right buttons to make me fuck off?

ETA: I may have figured out where this come from. Their accounting systems suck.

Comments

[mireille21.livejournal.com]

Direct debits to credit cards are a bitch, because basically I think there is bugger all the bank can do to stop it (different to if it is coming out of an account). The person you have an agreement with is ABC, and they have your credit card details, and they will debit it and you have to go directly to them regarding any dispute.

Personally, if it's not going to be a huge hassle, i'd close the credit card, which is going to be the only way *you* can stop any more payments coming out. This is why I have two credit cards, one of which gets used for practically nothing except direct debits - so if there is ever a screw up I have a quick exit.

They suck though. as far as I'm concernde dthe *right* thing for them to do would be to stop making any debits while there is clearly a dispute. but ... Argh, people/ organisations can be bastards. Good luck with it all.

[shrydar.livejournal.com]

I've had one of my credit cards for 20 years now - I'll be quite upset the day I have to close that particular account.

[justadecoy.livejournal.com]

I'd at least call / drop in at the bank to talk to them about it.
Don't know if they can do anything about getting the money back but at least you can get it recorded in some way that there is an issue and see if they can disallow future transactions from them, don't know but what have you got to lose by asking?

[creativemeans.livejournal.com]

Appeal immeadiately. I am with ANZ and did this recently with their SecureMail service. They then asked me to fill in a form.

Basically, you have 14 days from the time of statement (or complaint) so appealing immeadiately is the right move.

Oh, and I think you can withdraw direct debit authority immeadiately -- that is probably the most important thing you can do here if they're being this shonky.