Thank you Astrac. If you are writing in relation to my post, we have already done this and are in a holding pattern (see above).
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It may be worth when it is all sorted to do a free credit check at one of the Australian credit check companiesā¦to make sure that Optus hasnāt inadvertently make a credit report based on their system recommencing automatic paymentsā¦the system may think that there is a credit default creating a report. If tyey have, one can get such incorrect reports removed so it doesnāt affect oneās credit rating.
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Under Mattress perhaps though security can be very lacking and it pays no interest. More seriously the Major 4 and their subsidiaries obviously from the Royal Commission and recent debacles are pretty much the same as other large banking institutions. There are some still fairly independent Banks around that are Australian Based but have you also considered Credit Unions? We use CUA but there are also many others with good mutual bases and good structures both for ethics and financial practices.
The below are for research and interest and I am not recommending any of them other than to help your research:
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Sorry Guitarfish, I was responding to mikeandglenda 's post about their Mum, and I figured it was something for communication not financial Ombudsman. It is not the bankās fault if regular payments were taken without a cancellation of the payments.
I worked for NSW Fair Trading a long time ago and learned you must put it in writing and give the business the opportunity to respond before taking it further.
If you ring the business, ask to speak to the manager and donāt take no for an answer. Tell them you have already written a formal complaint to them and to the Ombudsman, so your next step, if not resolved NOW, is to take them to the Consumer Complaints Tribunal in your State.
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To clarify, the contract was with Optus, not the bank.
Here you can meet the provider in the middle by using BPAY View. The provider sends an electronic bill to your bank but you manually pay the bill by clicking on it within internet banking. So you get all your bills (from participating providers) in one place, and you canāt stuff up with the amount (assuming you are paying the full amount) or payee.
Has some of the convenience of Direct Debit but you always remain in control.
It is however somewhat cumbersome to set up and cancel. (There is never an urgent need to cancel it, since payment is still manual.)
In the early days some providers offered that as an option but then ceased offering it.
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