On Wed, 2009-05-27 at 17:43 +0100, Ted.Harding@manchester.ac.uk wrote:
I then phoned "PC Performance" (a PC World sideline), and was told that they would cancel the cover, and cease the D/D, but I could not get a refund because more than 2 weeks had passed. If I wanted to get the money back, I should contact my Bank to initiate an "Indemnity Claim".
So I phoned my Bank, and described the situation. "Oh, it looks as though they've been a bit cheeky", she said. We discussed Indemnity Claim, and it seemd a long shot (there had been two of them at the till, one the cashier, the other the shop-floor assistant), so I dropped the idea. But she said she would immediately close the D/D.
I'd have another chat with your bank. In the event that you dispute that a direct debit should have been paid I would expect them to refund it (they have 2 working days to do so) and leave you to settle any dispute with the orgasnisation concerned (in this case PC World).