Still hoping for an update from OP.
Today I tried to change my top up method from debit card to Direct Debit. Couldn't sort on website as apparently I failed security after multiple attempts to type by sort code; you'd think 09-01-27 as it appears on my card and chequebook would be right but apparently not.
As suggested I phoned the contact centre. First staff member I spoke to was clearly a newbie; had to keep putting me on hold while she spoke to her supervisor*. Kept trying to tell me I should have a card registered as well as a DD 'for my own protection'. I'm trying to limit the number of traders storing my card 'cos it's a PITA when card expires or I loose it.
Eventually suggested to newbie that it'd be better if I spoke directly to manager which she agreed, Seems their concern is I could use up my entire £10 'buffer' while DD was processing or a DD could fail and I'd end up with penalties like OP. Given I use the Crossing 4 or 6 times a year going to Channel ports or Kent that's pretty unlikely. Quite often go M40/M25W/M26 rather than via Dartford. I'm in fortunate position of being working retired; I've both a pension and work income but no mortgage. Excluding industrial scale fraud there's NO prospect of a DD failing for lack of funds.
Eventually Supervisor grasps that I'm OK with risk and transfers me back to original agent who processes my DD. Took about half an hour.
On a human note I commented that people I spoke to didn't sound as though they were from Kent or Essex. As I suspected from accents call centre is in Leeds - told them it was City of my birth and youth - rapport re-established.
* I work in a call centre type operation and well remember the stage where every hour was a school hour.
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