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PDF Editor FAQ

Can websites take money from my debit card if I insert my sort code and account number without the 16 number codes?

Yes.Jeremy Clarkson stung for £500 as fraud stunt gets punishedThere was a famously public case where someone set up a direct debit to syphon money out of Jeremy Clarkson’s account into a nature charity.The theory is that you verify your bank statements and notify the bank of any errors, which they will then correct. A direct debit taken in this manner is disputable, refundable and can be canceled by the bank account owner — but the money may be in limbo for a while.Of course if the destination account is sufficiently disguised, i.e. if it has a name equal or similar to a major supermarket or major online retailer, you might not notice a spare few payments until it is too late.

What would happen if I locked my credit card so a hotel can't charge me for a cancelled trip? I'm fine with paying the one night non-refundable cancellation fee, but FOUR HUNDRED DOLLARS for the other 2 nights! NOPE.

What will probably happen is that the hotel may still be able to charge your card. I and colleagues have experienced this. A cancelled credit card was still able to be charged for an annual gym subscription some 2 months after it was cancelled, and the bank just sent a credit card statement for the old card and took the money by direct debit. Then you will have to argue with your bank that you don't owe the money, which will be difficult since you do.For future, keep a card with a very low limit (credit or debit on a checking account you don't use) and use this card for risky purchases, damage deposits etc. Then the merchant will be limited in how much they can charge without it bouncing. If you show up then you can hand over your normal card to pay.Depending on jurisdiction, the hotel may be limited to only charging you its reasonable loss for your cancellation, if you put up a fight. If it comes to the hotel suing you for damages then they can't claim the full amount of your stay because they have saved money on some services not provided to you, although they will try to add on costs which will wipe out any saving.

What is the best way to fight the economic impact of the coronavirus pandemic?

Make a LIST of ALL the Direct Debits coming out of your bank account.Use the last 12 months of statements as a guide because some of your payments are ANNUAL.Get contact information on each and every one and call and find out if you can temporarily suspend payments until this crisis is over.Keep a cash float for essentials. Make a list of those essentials so you know how much you need.If your income drops dramatically, cancel every direct debit you can think of.Your priorities have to be food, shelter and family health.

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