Direct Debits from Non-Irish Accounts

Bob24

Lux23 wrote: »

I don't see how it could be, they don't enforce consumer protection legislation in the financial services, that would be the CBI.

See my previous post with the answer from the CBI (which basically said they only regulate financial institutions): http://www.boards.ie/vbulletin/showpost.php?p=99829990&postcount=81

"The Minister for Finance signed the ‘SEPA amendment’ Statutory Instrument (SI 204 of 2016) on 26 April 2016. One effect of the amendment SI is to appoint the Competition and Consumer Protection Commission (CCPC) as the competent authority to deal with non-compliance with SEPA Regulation 260/2012 by parties other than financial services providers. As the Central Bank has no responsibility for the National Transport Authority, please contact the CCPC"

JTMan

@Bob24 - Did you get a response from the CPCC?

Bob24

JTMan wrote: »

@Bob24 - Did you get a response from the CPCC?

Unfortunately nope I didn't. And I have to admit all the blockers in the system (NTA refusing to comply and ignoring complaints, CCPC not answering) have discouraged me and I didn't bother calling (with no written track and no way to follow-up on the phone call ... I don't expect much from them and am getting a bit tired of this).

Bob24

JTMan wrote: »

@Bob24 - Did you get a response from the CPCC?

Unfortunately nope I didn't. And I have to admit all the blockers in the system (NTA refusing to comply and ignoring complaints, CCPC not answering) has discouraged me and I didn't bother calling (with no written track and no way to follow-up ... I don't expect much from them and am getting a bit tired of this).

Lux23

I see, that is odd.

Yggr of Asgard

Sky is claims "we may be able to facilitate direct debits from European bank accounts outside of Ireland going forward." as per http://www.boards.ie/ttfpost/100955215

The J Stands for Jay

Three are now not able to have a direct debit from a Dutch bank account...

Yggr of Asgard

McGaggs wrote: »

Three are now not able to have a direct debit from a Dutch bank account...

Bunq?

In any case, they will a paper mandate, have you tried going into a Store and have them process it there.

The J Stands for Jay

Yggr of Asgard wrote: »

Bunq?

In any case, they will a paper mandate, have you tried going into a Store and have them process it there.

Yeah, bunq. I sent in a paper mandate, and they emailed saying the IBAN was wrong because it was too short. Lots of emails back and forth till they started ignoring me. Phoned then today and they started with the like that they can't do international bank accounts. Telling them I'd been using a German account for the last year got me 5 minutes on hold. Their technical back office is to get back to me later today.

Yggr of Asgard

McGaggs wrote: »

Yeah, bunq. I sent in a paper mandate, and they emailed saying the IBAN was wrong because it was too short. Lots of emails back and forth till they started ignoring me. Phoned then today and they started with the like that they can't do international bank accounts. Telling them I'd been using a German account for the last year got me 5 minutes on hold. Their technical back office is to get back to me later today.

Good luck, I hope you will get it sorted out.

Maybe you could use the bunq thread to tell us about your experience with bunq otherwise, seams there are not a lot of users of it yet.

The J Stands for Jay

Three are now claiming they can only accept payment from Irish bank accounts. When I asked them how they can explain how I paid from my German N26 account by direct debit from January 2016 to October 2016, I got this response:
"I'm checking with the payments team why that happened."

Yggr of Asgard

Maybe it's time for you to log a formal complaint and than raise it with the Competition and Consumer Protection Commission (www.ccpc.ie) who is supposed to be responsible for ensuring that your rights are not violated.

Bob24

Yggr of Asgard wrote: »

Maybe it's time for you to log a formal complaint and than raise it with the Competition and Consumer Protection Commission (www.ccpc.ie) who is supposed to be responsible for ensuring that your rights are not violated.

Indeed. Good luck with that and keep us updated (my personal experience with the CCPC on a similar matter has been very poor, I am curious to know if I was unlucky).

murphaph

I wonder can these issues be escalated to some EU body, if the national "regulator" fails to intervene?

Bob24

murphaph wrote: »

I wonder can these issues be escalated to some EU body, if the national "regulator" fails to intervene?

Good question. In my experience the ECB is not too interested in SEPA infringement reports unrelated to banking institutions and will direct you back to the Irish CCPC for these.

But maybe if there was an EU consumer protection agency which overlooks the CCPC that would be an option?

The J Stands for Jay

McGaggs wrote: »

Three are now claiming they can only accept payment from Irish bank accounts. When I asked them how they can explain how I paid from my German N26 account by direct debit from January 2016 to October 2016, I got this response:
"I'm checking with the payments team why that happened."

Three are still looking into getting direct debits from Bunq working.

Yggr of Asgard

McGaggs wrote: »

Three are still looking into getting direct debits from Bunq working.

I would suggest just for the fun of it, if you have some time and don't mind the aggravation you could complain to COMREG (giving that they regulate Three as telecoms provider).

nsa0bupkd3948x

I set up my BOI credit card direct debit with my N26 account without any issue online. Using their fantastically dogey looking Credit Card Servicing website.

user1842

Related thread but focuses more on the NTA not accepting direct debits:

http://www.boards.ie/vbulletin/showthread.php?t=2057725726

Has a good overview of responses to complaints made.

RHJ

This post has been deleted.

Yggr of Asgard

Eir requires you to fill out a form and send it to them for a Non-Irish bank account which you can find here: https://www.eir.ie/signupfordirectdebit/

You can't sign up direct debit online if you have a non-Irish bank account.

Sky is on the other hand a nightmare, sometimes they take them, sometimes they don't and in some cases people who had N26 accounts but now want to put a Dutch IBAN in are told that non-irish accounts don't work.

Your only option is to complain to the CCPC (www.ccpc.ie) but don't get your hopes up, they are useless when it comes to actually doing the enforcement work they are charged with. They will send you a nice little mail telling you that they will investigate but can't come back on individual complaints and nothing ever happens.

Your work around of using the Mastercard is the only one at this time.

Unless you would like to do everybody a favor and take legal action against Sky ;-)

lehe8707

Adding Eflow, Liberty and First Citizen


Refusing to accept non-irish accounts
Magnet Broadband (thanks to ceroc81)
Meteor see http://www.boards.ie/ttfthread/2057540834
Sky see http://www.boards.ie/ttfthread/2057539002
Leap Card
Eflow (M50 Toll Operator)


Accepting non-irish accounts online
Greenstar
IDMobile
Revenue Commissioners
Virgin Media (Broadband, TV, Home Phone)
Liberty Insurance (Over the Phone)


Accepting non-irish accounts via paper mandate
AIB credit card payments
AIG Insurance
Avantcard
Bord Gais Energy as per http://www.boards.ie/vbulletin/showp...2&postcount=23
Energia (new)
Electric Ireland as per http://www.boards.ie/ttfthread/20574...1#post95420759
Irish water (required verbal confirmation, thanks to ceroc81)
Laya Health Insurance (thanks to McGaggs) http://www.boards.ie/vbulletin/showp...1&postcount=66
Three
TV License (AnPost)
Ulster Bank Mortgages
Virgin Media Mobile
Zurich Insurance
First Citizen Finance

Accepting non-irish accounts via customer service complaint
GloHealth

user1842

Even the German authorities are now taking IBAN discrimination seriously. The CCPC need to step up their game.

http://www.bundesbank.de/Redaktion/DE/Dossier/Aufgaben/zahlungsverkehr_newsletter_2017_06.html?notFirst=true&docId=403142#chap

This is the link to the Beschwerdestelle SEPA Diskriminierung

https://www.wettbewerbszentrale.de/de/beschwerdestelle/sepa-hinweise/

They even created on online form people can use for complaints.

Above links are in German, sorry.

murphaph

The links appear corrupt.

Yggr of Asgard

Germany has a very strong customer protection system via regional centers in additional to government centers which take their job serious.

They actually can go to court and force the rights to be implemented via a strange way of forcing the offender to agree to not longer do what they are doing and implement the correct way.

https://www.wettbewerbszentrale.de/de/beschwerdestelle/sepa-hinweise/

While the CCPC has gotten slightly better with some issues (like the insurance raids recently), in SEPA they are still miles behind. The same for the Government at large, just look at their unwillingness to help with the LEAP card complaints.

user1842

murphaph wrote: »

The links appear corrupt.

Not sure what happened, corrected now.

lehe8707

Adding PTSB


Refusing to accept non-irish accounts
Magnet Broadband (thanks to ceroc81)
Meteor see http://www.boards.ie/ttfthread/2057540834
Sky see http://www.boards.ie/ttfthread/2057539002
Leap Card
Eflow (M50 Toll Operator)


Accepting non-irish accounts online
Greenstar
IDMobile
Revenue Commissioners
Virgin Media (Broadband, TV, Home Phone)
Liberty Insurance (Over the Phone)


Accepting non-irish accounts via paper mandate
AIB credit card payments
AIG Insurance
Avantcard
Bord Gais Energy as per http://www.boards.ie/vbulletin/showp...2&postcount=23
Energia (new)
Electric Ireland as per http://www.boards.ie/ttfthread/20574...1#post95420759
Irish water (required verbal confirmation, thanks to ceroc81)
Laya Health Insurance (thanks to McGaggs) http://www.boards.ie/vbulletin/showp...1&postcount=66
Three
TV License (AnPost)
Ulster Bank Mortgages
Virgin Media Mobile
Zurich Insurance
First Citizen Finance
Permanent TSB Credit Card (Followup phone-call required)

Accepting non-irish accounts via customer service complaint
GloHealth

JTMan

As per the thread linked above, Meteor accept SEPA direct debits from non-Irish accounts via a paper mandate.

Elessar

Vodafone unable to accept online or over the phone - customer care on boards here told me to contact the customer phone number, which I did, who could also not accept it. In the end he took the debit card details and will bill me through that going forward, which is essentially the same thing.

Yggr of Asgard

Elessar wrote: »

Vodafone unable to accept online or over the phone - customer care on boards here told me to contact the customer phone number, which I did, who could also not accept it. In the end he took the debit card details and will bill me through that going forward, which is essentially the same thing.

No it's not.

Direct Debit allows you certain rights (dispute, ease of refusal) that a debit card does not.

Vodafone will allow you SEPA direct debits if you request them in writing. You can get a form in a Vodafone store.