Bank domiciliation request

Summary: The discussion revolves around a request for bank domiciliation, with multiple participants engaging but providing no substantial content in their communication, as each post simply states 'None.' The conversation includes exchanges between various author_ids, indicating a structured but contentless series of interactions over a significant period.

I received from the bank information about a direct debit for a recurring transaction from Ebay s.a.r.l.

Is this normal?

billybestia

791 View listings

Posted 2 years ago·Last reply 9 months ago

23 comments

marioelegio

·1 year ago

View listings

There is a note from the Bank of Italy that says it is not possible to cancel a Sepa mandate without the creditor's authorization.....

How can a consumer revoke a mandate for SEPA direct debit?

According to the guidelines of the Rulebook SDD, if the debtor wishes to revoke the mandate for SEPA direct debit, they must contact the beneficiary counterparty, unless otherwise agreed between the parties.

(from: https://www.bancaditalia.it/compiti/sispaga-mercati/sepa/faq-sepa/faq-sepa.html?dotcache=refresh#faq8761-57)

However, there is a ruling by the banking and financial arbitrator that states the opposite ... https://www.dirittodelrisparmio.it/2024/02/18/revocabilita-mandato-sepa/

So I would send a registered letter with return receipt to both ebay and my bank asking to cancel the mandate.

But this does not mean that you can avoid paying any debt, only that you can do so with other methods.

bye

mario

Anonymous User

·1 year ago

Good morning, I strongly advise anyone against giving their IBAN to Ebay in order to become sellers, because then they open a direct debit on your current account, which authorizes them to withdraw money in the event of disputes. The bank cannot remove it and Ebay does not remove it even once their account is closed! I say this from direct personal experience. I closed my Ebay account with their promise that the direct debit would be removed, but after a month since closing, and countless appeals and follow-ups, I still haven’t managed to get it removed!!! I was told that I had been the one to authorize them, but they are unable to provide me with the document or the step in which I would have authorized them!!! I had to call my lawyer and, if I do not get a positive response from them soon, I will have to take legal action against them, both for having activated the said direct debit and for still not having removed it following the closure of my Ebay account!

heavenwelkin

·1 year ago

View listings

@Anonymous wrote:
Good morning, I strongly advise anyone against providing their IBAN to Ebay in order to become sellers, because then they open a bank direct debit on your current account, which authorizes them to withdraw the money in the event of disputes. The bank cannot remove it, and Ebay does not remove it even once their account is closed! I say this from direct personal experience. I closed my Ebay account with their promise that the bank direct debit would be removed, but after a month since closing it, and countless appeals and reminders, I still haven’t managed to get it removed!!! I was told that I had been the one to authorize them, but they are not able to provide me with the document or the step in which I would have authorized them!!! I had to call my lawyer and, if I don’t get a positive response from them soon, I will have to sue them, both for having activated the direct debit order, and for not having removed it yet after the closure of my Ebay account!

Dear mausun

Signing a contract as an ebay seller entails obligations and restrictions.

Signing an online contract is not a game, these are REAL contracts like physical ones signed by hand.

If you have an active SEPA mandate on your account, you need to contact your bank.

If your bank is unable to revoke the mandate (unfortunately with some banks this does not work), the problem does not arise anyway because ebay does not withdraw money RANDOMLY, so you can close your ebay account and live peacefully.

If ebay has withdrawn money from your account, it is because you had a dispute that was closed against you, or you had a chargeback or a paypal dispute.

Once the dispute situation is resolved, ebay will not withdraw any more money from you.

If this sepa debit is bothering you and you can't get it removed, I recommend changing your current account.

If it's a postepay evolution, close the account and open another one, then close the ebay account.

Putting a lawyer in the middle for a contract that you yourself signed seems nonsensical to me.

Best regards.

Anonymous User

·1 year ago

Good morning, when I realized that a direct debit had been set up on my bank account, I asked eBay support how to revoke/remove it. I was told, clearly and on more than one occasion, that the only way was to close my eBay account. Unfortunately, that did not happen. After the 2 months had passed since my request to close my eBay account, I received communication that the account had been permanently closed, but the direct debit is still active to this day. In essence, I followed eBay’s procedure and instructions, but eBay did not stand by its word. Now I’m even being told/advised to change bank accounts in order to remove this direct debit! Also, advised by my lawyer, I recently asked eBay support to show me exactly at which step I had authorized them to set up the direct debit, and they were not able to provide any proof or any "signed" document showing that. Obviously I don’t doubt that eBay can take money from me at random, but I don’t understand why, just as they set up the direct debit for me, they are so stubborn about not wanting to deactivate it! In practice, they pushed me to close a ten-year-old eBay account, with dozens of positive reviews, for nothing, since it was they themselves who assured me that was the only possible solution to revoke their direct debit! At this point, I will certainly do everything I can to have my rights upheld and finally get rid of this direct debit, through my lawyer if necessary. I’m leaving this testimony of my personal experience with eBay so that it is known what it entails to go along with the procedure in order to become eBay sellers. Everyone can then decide for themselves whether the fact of being unable in any way to get rid of a bank direct debit with them is a reason to "live peacefully" or not. I will update this post if eBay takes steps to honor the words spoken by its own support team. Regards

heavenwelkin

·1 year ago

View listings

@Anonymous wrote:
Good morning, when I realized that a direct debit had been set up on my bank account, I asked Ebay customer support how to revoke/remove it. I was clearly told, on more than one occasion, that the only way was to close my Ebay account. Unfortunately, that did not happen. After the 2 months had passed from my request to close my Ebay account, I received confirmation that the account had been permanently closed, but the direct debit is still active to this day. In short, I followed the procedure and Ebay’s instructions, but they did not keep their word.

Now I even have to hear them tell me/advise me to change bank accounts in order to get rid of this direct debit! Also, on the advice of my lawyer, I recently asked Ebay customer support to show me at exactly which step I had authorized them to activate the direct debit, and they were unable to provide any proof or any “signed” document showing that.

Good morning mausun

Call centers are limited in what they can do, they cannot receive attachments, view websites, provide documentation, or give technical opinions.
Very often the operators in a call center are not part of that company, they are located abroad, and they can act only within a certain “range”.
They deal with providing basic assistance for the most common and trivial problems a user may encounter while using the platform.

Obviously I do not doubt the fact that Ebay could take money from me at random, but I do not understand why, just as they activated the direct debit for me, they are so determined not to deactivate it!

I’ll give you the first example that comes to mind: a seller has sold a certain number of items and decides to stop and close the account. Ebay closes the account but leaves the direct debit active. Some buyers after 6, 8, or 12 months have problems with the item and open a chargeback request with their bank. In that case Ebay, through the active direct debit, can draw from the former seller’s funds.

In practice, they pushed me to close a decade-old Ebay account, with dozens of positive reviews, for nothing, because they were the ones who assured me that this was the only possible solution to revoke their direct debit!

You simply spoke with an operator at a call center maybe in Tirana (Albania); if you had spoken with another operator, maybe they would have told you something different, or maybe they would have told you the same thing, but what were they supposed to tell you?
Call centers are not specialized / authorized to provide technical details about how a contract works or its clauses.
They are trained to answer recurring questions about problems using the platform.

At this point, I will certainly do everything I can to assert my rights and finally get rid of this direct debit, through my lawyer if necessary.

Good luck.
If you have closed the ebay account and do not have pending sales older than 13 months I would advise you to leave everything as it is.
Ebay does not take money from you at random, so no one will take a cent from your bank account.

I am leaving this testimony of my personal experience with Ebay so that it is known what it means to go along with the procedure in order to become Ebay sellers.
Then each person can decide whether the fact of not being able in any way to get rid of a bank direct debit with them is a reason to “live peacefully” or not. I will update this post if Ebay takes steps to honor the words spoken by its own customer support. Regards

Kind regards.

Anonymous User

·1 year ago

Call centers are limited in what they can do; they can’t receive attachments, browse websites, provide documentation, or give technical opinions.

Very often the operators of a call center are not part of that company, they are located abroad, and they can only act within a certain "range" .

They deal with providing basic assistance for the most common and trivial problems a user may encounter when using the platform.

So they should say they don’t know certain procedures, rather than making them up. And then direct the issue to the appropriate department, if there is one.

I’ll give you the first example that comes to mind: A seller has sold a certain number of items and decides to stop and close the account. Ebay closes the account but leaves the direct debit active. Some buyers after 6, 8, or 12 months have a problem with the item and open a chargeback request with their bank. In that case, through the active direct debit, Ebay can draw from the former seller’s funds.

Are you kidding me? For an item sold used between private individuals, the buyer has a problem after 6, 8, or 12 months and Ebay would take the money from the seller’s checking account? Does that seem normal to you? Not even for new items bought in a store would they refund your money after so long.

You simply spoke with an operator at a call center, maybe in Tirana (Albania); if you had spoken with another operator, maybe they would have told you something different, or maybe the same thing, but what were they supposed to tell you?

Call centers are not specialized / authorized to provide technical details about how something works or about the clauses of a contract.

They are trained to answer recurring questions about problems using the platform.

I spoke with Ebay customer service operators. Who else was I supposed to talk to?

Good luck.

If you have closed the ebay account and don’t have any pending sales for over 13 months, I’d advise you to leave everything as it is.

Ebay doesn’t take money from you at random, so no one will take a cent from your checking account.

From your lips to God’s ears. I’m not giving up. Regards

marioelegio

·1 year ago

View listings

@Anonymous wrote:
...... Are we kidding? For a used item sold between private individuals, the buyer has a problem after 6, 8 or 12 months and Ebay would take the money from the seller's bank account? Does that seem normal to you? Not even for new items bought in a store would they give you back the money after so much time.
......

Heavenwelkin was not kidding, credit cards offer their customers purchase protection for up to 13 months.

Private individuals are not subject to the legal warranty on the products they sell, but they are still subject to the warranty of conformity provided for by our civil code.

So if the buyer states that, within a year, they found that the purchased product has a lack of conformity, they can ask (within 30 days) their bank to cancel the sales transaction (cancel the payment).

Since today platforms intermediate payments, they must refund the buyer and then they recover the money from the sellers.

This is why they try to keep access to their bank accounts open for as long as possible, while also bearing in mind that even if the accounts are closed they can pass the ball to a debt collection agency.

bye

mario

Anonymous User

·1 year ago

So Ebay will remove the direct debit after 12 months from the closure of my Ebay account? Or from my last sale?

heavenwelkin

·1 year ago

View listings

@Anonymous wrote:

Then they should say that they don't know certain procedures, rather than making them up. And then direct the matter to the relevant office, if there is one.

Maybe in an ideal world...
I've never seen a lawyer, a doctor, or even just a bricklayer say they don't know how to answer the questions they're asked about their profession.

Have you ever seen a doctor seem uncertain or hesitant when communicating the outcome of a diagnosis?
And yet when you need them, you inevitably have to spend a lot of money to see various specialists, each of whom provides similar or rather different diagnoses.

If you deleted your HISTORIC ebay account because xyz call center operator told you to, in my view it's equivalent to having surgery after consulting the first and only specialist doctor.

Sorry for the inconvenience.

Good luck. I'm not giving up. Regards

Best regards and all the best.

heavenwelkin

·1 year ago

View listings

@Anonymous wrote:

Are you kidding? For a used item sold between private individuals, the buyer has a problem after 6, 8 or 12 months and Ebay would take the money from the seller's bank account? Does that seem normal to you? Not even for new items bought in a store would they refund the money after so much time.

Putting items up for sale on ebay without having this kind of knowledge / awareness is not a good thing.

It was probably a good thing that you closed the ebay account; you would have risked being traumatized by any unfavorable outcomes on some sale.

The mistake almost all of us make is not reading the terms and conditions of any service before clicking on "accept".

We get outraged when we find out that that app downloaded on the smartphone takes photos, activates the microphone and sends a whole series of data, including our location, to an xyz server without our permission, when all of this is clearly stated in the app's terms of use that we accepted.

Let us know if you manage to revoke the SEPA mandate.

Best regards.

heavenwelkin

·1 year ago

View listings

@Anonymous wrote:
Good morning, I strongly advise anyone against providing their IBAN to Ebay in order to become sellers,
Basically, you're publicly discouraging ebay because you weren't able to handle a remote sale.
because then they open a direct debit on your bank account, which authorizes them to withdraw money in the event of disputes.
You just needed to inform yourself and read before clicking ACCEPT, I HAVE READ AND AGREE, ACCEPT, ACCEPT, etc.
The bank cannot remove it and Ebay does not remove it even once their account is closed!
It is likely that it depends on the 180 days that paypal offers as a guarantee on the transaction, which is why the mandate is not revoked immediately when the ebay account is closed.
Unfortunately some banks have these limitations but it does not depend on ebay but on your bank.

In fact the procedureI say this from direct, personal experience.

From experience, did you have a dispute with notice that ebay would withdraw some money and did you think it best to close the account and maybe do something else......?
Let's say that it's not the best situation for ending a relationship with ebay.
I closed the Ebay account with their promise that the direct debit would be removed, but after a month since closing, and countless appeals and reminders, I still haven't managed to get it removed!!!

The problem is not ebay's but your bank's.

I was told that I would be the one authorizing them, but they are not able to provide me with the document or the passage in which I would have authorized them!!!

I had to call my lawyer and, if I don't get a positive response from them soon, I will have to take legal action against them, both for activating the direct debit in writing and for still not having removed it following the closure of my Ebay account!

In my opinion, before taking legal action, you'd better inform yourself well because you risk wasting a lot of time, money and health.
I would be curious to know what your lawyer says ...

marlasinger00

·9 months ago

View listings

Hi, can I ask if you solved it and how? I have the same problem as you right now

heavenwelkin

·9 months ago

View listings

@marlasinger00 wrote:
Hi, can I ask if you resolved it and how? I currently have the same problem as you

The user @Anonymous is no longer a registered user on ebay, so I doubt they can answer you.

billybestia

OP2 years ago

View listings

Thanks. I’m surprised I got this communication after 9 years of sales…

heavenwelkin

·2 years ago

View listings

@billybestia wrote:
Thank you. I'm surprised I received such a communication after 9 years of selling…

If you're a regular seller, meaning you've sold consistently over these 9 years, you will certainly have realized that at a certain point eBay removed PayPal from direct payments to the seller and inserted itself between them.

Starting around 2021, in order to keep selling on eBay, you had to enter a bank account.

I can only see up to August 4 for expired sales.

I'm surprised the bank sent the communication only at the end of October when, in theory, by August 4 you should already have been enabled for payments with IBAN and bank direct debit in order to sell, so this communication from the bank should have arrived already in August.

Best regards.

heavenwelkin

·2 years ago

View listings

Yes, it's NORMAL, it's standard practice, in order to sell on eBay you have to give eBay authorization for automatic withdrawals when needed.

Kind regards.

sika700

·2 years ago

View listings

You’re a seller... so, yes, it’s normal.

Kind regards.