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UPC direct debit issue

  • 01-07-2015 10:02PM
    #1
    Flying Spaghetti Monster
    Registered Users, Registered Users 2 Posts: 45 ✭


    Hi all,
    just wondering about the UPC direct debit. I wish to cancel the automatic removal of money from my account every month. Can pernament tsb do this without any qualms?
    Also, what will UPC do about not getting paid anymore? I'm leaving the property soon and the cancellation fee is pretty high. Will they just send angry letters or what? Any insight would be appreciated, thank you


Comments

  • #2
    28064212
    Registered Users, Registered Users 2 Posts: 10,975 ✭✭✭✭28064212


    Flying Spaghetti Monster wrote: »
    Can pernament tsb do this without any qualms?
    Yes. In fact, under SEPA legislation, they're required to.
    Flying Spaghetti Monster wrote: »
    Also, what will UPC do about not getting paid anymore? I'm leaving the property soon and the cancellation fee is pretty high. Will they just send angry letters or what? Any insight would be appreciated, thank you
    Yeah... you signed up to a contract. Stopping payment doesn't nullify that contract. It's likely that UPC will send multiple requests for payment, and probably pass it on to a debt collection agency. Eventually, if you persist in not paying your debts, they can get a judgement against you, which will affect your credit rating, and can be enforced by the seizure of your posessions by the sheriff/registrar

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  • #3
    Flying Spaghetti Monster
    Registered Users, Registered Users 2 Posts: 45 ✭Flying Spaghetti Monster


    28064212 wrote: »
    Yes. In fact, under SEPA legislation, they're required to.


    Yeah... you signed up to a contract. Stopping payment doesn't nullify that contract. It's likely that UPC will send multiple requests for payment, and probably pass it on to a debt collection agency. Eventually, if you persist in not paying your debts, they can get a judgement against you, which will affect your credit rating, and can be enforced by the seizure of your posessions by the sheriff/registrar

    How will they know where I live though? UPC only has my current address.


  • #4
    28064212
    Registered Users, Registered Users 2 Posts: 10,975 ✭✭✭✭28064212


    Flying Spaghetti Monster wrote: »
    How will they know where I live though? UPC only has my current address.
    Name, address, bank account details, DOB, email and mobile number. All asked for when signing up to UPC. Even if all they have is name and previous address, any debt collection agency worth their salt will likely be able to find you in a matter of hours. If they can't, and the matter goes to the courts, they have even more power to retrieve your details

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  • #5
    Joo0
    Registered Users, Registered Users 2 Posts: 417 ✭✭Joo0


    28064212 wrote: »
    Name, address, bank account details, DOB, email and mobile number. All asked for when signing up to UPC. Even if all they have is name and previous address, any debt collection agency worth their salt will likely be able to find you in a matter of hours. If they can't, and the matter goes to the courts, they have even more power to retrieve your details

    While they could take court action it would not be worth their while..... Best to pay what you owe them and not have the worry hanging over your head


  • #6
    28064212
    Registered Users, Registered Users 2 Posts: 10,975 ✭✭✭✭28064212


    Joo0 wrote: »
    While they could take court action it would not be worth their while..... Best to pay what you owe them and not have the worry hanging over your head
    Depends on the amount, they probably won't do it for €5. But if it does go to court, and they secure a judgement against the OP, it's the OP who pays their legal fees, not UPC

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  • #7
    Mr. Incognito
    Registered Users, Registered Users 2 Posts: 9,798 ✭✭✭Mr. Incognito


    28064212 wrote: »
    Yes. In fact, under SEPA legislation, they're required to.


    Yeah... you signed up to a contract. Stopping payment doesn't nullify that contract. It's likely that UPC will send multiple requests for payment, and probably pass it on to a debt collection agency. Eventually, if you persist in not paying your debts, they can get a judgement against you, which will affect your credit rating, and can be enforced by the seizure of your posessions by the sheriff/registrar


    In theory. In practice anything under 1200 doesnt affect your credit rating, its not cost effective to get judgement and the sheriff? Try getting them to answer the phone. Sheriff is worthless for small debts.

    All sound scary but debt companies are toothless. Scare mongering and lies are their most effective tools.


  • #8
    Joo0
    Registered Users, Registered Users 2 Posts: 417 ✭✭Joo0


    Mr. Incognito wrote: »
    In theory. In practice anything under 1200 doesnt affect your credit rating, its not cost effective to get judgement and the sheriff? Try getting them to answer the phone. Sheriff is worthless for small debts.

    All sound scary but debt companies are toothless. Scare mongering and lies are their most effective tools.

    Still not a nice bunch of lads to be calling you up and showing up at your door! Utility company's share information about defaulters so it could effect you getting a contract with a phone or broadband provider in the future


  • #9
    dudara
    Registered Users, Registered Users 2 Posts: 33,518 ✭✭✭✭dudara


    You can cancel your direct debit, but it does cancel the contact. You are legally obliged to pay for the contact you signed up to.

    One legal way out of the contract is to wait for UPC to change the T&Cs of the contract. You then have a period of time to accept the new T&Cs or reject, in which case you can exit the contract. Alternatively, you can talk to them and see if any negotiation is possible.


  • #10
    beauf
    Closed Accounts Posts: 22,648 ✭✭✭✭beauf


    The arrears will build up to. So if you don't cancel it could run into a large bill.


  • #11
    Fred Swanson
    Closed Accounts Posts: 21,730 ✭✭✭✭Fred Swanson


    This post has been deleted.


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  • #12
    L1011
    Registered Users, Registered Users 2 Posts: 72,412 ✭✭✭✭L1011


    Mr. Incognito wrote: »
    In theory. In practice anything under 1200 doesnt affect your credit rating.

    It'll completely nuke your private agency ratings - may have no impact on a home loan but you're not going to get a mobile phone contract or a finance deal washing machine after.


  • #13
    Joo0
    Registered Users, Registered Users 2 Posts: 417 ✭✭Joo0


    L1011 wrote: »
    It'll completely nuke your private agency ratings - may have no impact on a home loan but you're not going to get a mobile phone contract or a finance deal washing machine after.

    Could irishwater do the same thing for no payers?


  • #14
    Fred Swanson
    Closed Accounts Posts: 21,730 ✭✭✭✭Fred Swanson


    This post has been deleted.


  • #15
    L1011
    Registered Users, Registered Users 2 Posts: 72,412 ✭✭✭✭L1011


    Joo0 wrote: »
    Could irishwater do the same thing for no payers?

    I imagine so.

    Whether they will is an entirely different question though.


  • #16
    TheDoc
    Registered Users, Registered Users 2 Posts: 23,140 ✭✭✭✭TheDoc


    L1011 wrote: »
    I imagine so.

    Whether they will is an entirely different question though.

    Legislation going through for Irish Water so they can withdraw payments from those not paying directly from payslips or social welfare payments.


  • #17
    TheDoc
    Registered Users, Registered Users 2 Posts: 23,140 ✭✭✭✭TheDoc


    Fred Swanson wrote: »
    This post has been deleted.

    They do housecalls. I had an incident that ended up with the Guardaí having to get involved, after debt collectors called to my apartment after previous tenants.

    Depends on the type of debt collectors. Think people are getting more wise now in terms of not being intimidated and there good information i nterms of their powers and authority(ie none) so most companies are hiring debt collectors or selling on the debt, to what are essentially solicitors, and not heavies.


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