From: "Fergus O'Rourke" 
Newsgroups: uk.finance uk.legal
Subject: The Direct Debit Guarantee (DDG)
Date: Thu, 31 May 2007 20:44:23 +0100

When I first encountered direct debits in the 70s (as the employee of an 
originator i.e. a collector of regular payments), it was regarded as a great 
idea with one major potential drawback.

That was the DDG, which we feared could be exploited by the slow paying gits 
who made our arrears department such an awful place to work in. The gits, 
the fear went, would constantly invoke their rights to challenge any debit 
which we were told, the DDG gave them. We were told that the bank had no 
choice but to give them the money back - absolutely no quibble allowed - 
and reclaim it from us. Horrors !

It never happened. Direct debit was an unmitigated blessing and God knows 
how we managed without it.

Recently, an IFA of my acquaintance (and vintage) related to me his 
experience of invoking the DDG. Briefly, it was VERY hard work. "No quibble" 
it certainly was not.

This prompted me to check out the terms of the DDG as it now applies.

But I haven't been able to find it !

Does anyone know where on the web it can be found ?

(Not on www.bacs.co.uk, where you will find many references to it, some of 
them unencouraging for those of us who would like to believe that it is 
still a "no quibble" deal.)

-- 
FERGUS O'ROURKE
www.irish-lawyer.com
(Not just law stuff)