I've just been stung by this issue. I have a client with a regular DD setup for their usual services, but then did a one-off job for which I wanted to allow the client to pay manually. Even though I intended to send it out without the DD default option and I can't quite remember if I tried to ensure that it went out with manual payment selected, but I'm fairly sure I did; it would seem that the invoice went out from QB with the GoCardless DD selected. The client then didn't have funds in their account (as predicted because they're taking a few days to access their funds), so the payment bounced and then QB has retried to collect it again today when the client has told me they need 3 days for money to arrive in their account. So basically, I will be out of pocket for 2 x GoCardless fees, I probably can't pass the charges onto the client because I actually didn't want to collect it by DD in the first place and I tried not to, but somehow the invoice went out with the DD option ticked anyway (so effectively the fault lies with the seemingly over-zealous default DD payment collection options and the client isn't to blame).
Extremely annoying and costly. I'm managing my own business cashflow at present, as I plan for some big upcoming payments from my business. Losing fees on inadvertently collecting one-off fees via the GoCardless DD isn't part of my plan really doesn't help with my own cashflow and it has annoyed my client too.
I just wanted to add my story to this thread, as I really would prefer to remove the DD default option and to just choose myself in future. Judging by the dates of comments above, it would seem that this issue has rumbled on for a few years now, so are there any plans to enable the default DD collection method to be switched off, giving us as clients more control over how monies are collected from our clients?
