HomeChoice Debiting My Account on Unauthorised Dates – Causing Unnecessary Bank Charges

I am extremely frustrated with HomeChoice’s handling of my debit order.

When setting up my payment arrangement, I clearly selected the last day of the month as my debit date. Despite this, HomeChoice continues attempting to debit my account on dates of its own choosing, before the date I selected.

This is not a minor inconvenience. When the debit is processed earlier than expected, it can leave my account in a negative balance and result in unnecessary bank charges and other fees.

I budget around the debit date I selected, and HomeChoice should not simply decide to process payments earlier without my agreement or proper communication.

I want HomeChoice to explain:

• Why my account is being debited before my selected date. • Who authorised the change to my debit date. • Why I am being exposed to unnecessary bank charges as a result. • What HomeChoice will do to prevent this from happening again. • Whether HomeChoice will take responsibility for charges incurred as a direct result of these premature debit attempts.

What makes this even more disappointing is that this is not my first complaint regarding HomeChoice. I have previously raised concerns about the company's customer service and complaint handling, yet I am once again having to escalate an issue that should be resolved through basic and accurate account administration.

I expect this matter to be escalated to management and for HomeChoice to provide a proper explanation and resolution — not another generic response directing me between different customer service channels.

HomeChoice, please investigate this properly and honour the debit date that I selected. I should not have to pay additional banking charges because of a debit order being processed on a date I did not choose.