I won’t bother going into too much detail as many other people have posted very similar stories. So to cut it short, my direct debit has been increased without consent by £20 a month to just over £90 claiming my current usage is more than I am paying them - current bills being around £45 and payments being about £70 and credit still increasing at around £200.
Well according to their terms and conditions I have the right to cancel my direct debit at any time, I should make sure I have another viable way to pay (their top up feature claims to be instant and is like just… paying your bill), and let them know you have done this.
So I have.
From now on I shall pay them as I see fit either the amount of my bill, over my bill, or if my credit large enough, a sensible reduction.
They might not like it but they do seem to state it is my right, so I’m taking it.
I’m not gonna to silly about it, but it is either this or they cost me money by slamming my overdraft and missed direct debit payment charges because they are asking too much.
Wouldn’t be as annoyed as I am if it wasn’t for the sheer inaccuracy of the email I received. So… if I cannot pay let it be on my head be it, not on their bloated and inaccurate assumptions that I can’t stop them.
This is a copy of what I sent to them after cancelling:
Sent to Bulb 28/09/2021
In accordance with your terms ( referenced their terms webpage here but I’m not allowed to include a link ??? ) I am contacting you to let you know that I have cancelled the Direct Debit for my account. This is so that I can better manage my account with you without automatic direct debit increases as you have informed me of today.
I propose to manage the cost and credit of paying you via ‘top up’ on the 15th or each month using a debit card, and shall pay more in accordance with my current credit with yourselves, and the cost of the bill.
If I should need to set a direct debit up again I shall be in contact for this, but as I cannot afford ‘surprise’ increases, seeing as I budget quite close to the bone as it is, I would prefer to have a better hold over my money.
Rest assured I intend to continue to pay either the cost of each bill each month, or over this to reflect increasing credit with yourselves. I shall not attempt to pay ‘under’ the amount of any bill, unless for any good reason (such as having a large amount of credit that will surely cover future payments).