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Under the guarantee a payer is entitled to a full and immediate refund in the event of an error in the payment of a Direct Debit from their account.
Under the Direct Debit scheme rules, merchants have very few grounds to challenge a charge-back generated under the Direct Debit Guarantee. Instead, they can pursue any payments which they believe have been incorrectly refunded to the payer directly through the small claims court.
Before a company or organisation can collect payment by Direct Debit they need to be approved by a bank, or use a commercial bureau to collect direct debit payments on their behalf.
If a large number of customers complain about direct debits set up by a particular service user then the service user may lose its ability to set up direct debits.
This can cause problems when the mandate is used infrequently, for instance, taking a payment to settle the bill for a seldom-used credit card.
The problem of direct debit fraud is extensive according to research by Liverpool Victoria Insurance  which reveals that over 97, Britons have fallen victim to criminals setting up fraudulent direct debits from their accounts.
Direct debit payment fraud in accounted for around However, the problem is exacerbated by some of the banks themselves for failing to implement any controls which prevent companies or fraudsters taking monies from business and consumer accounts.
For those customers who find out, it takes them on average four months to notice. Although no specific figures were collected it appears a substantial number of people lose considerable amounts of money annually because the obsolete direct debit is neither noticed nor recovered.
On 7 January , Jeremy Clarkson found himself the subject of direct debit fraud after publishing his bank account and sort code details in his column in The Sun to make the point that public concern over the UK child benefit data scandal was unnecessary.
Not take it out. In his next Sunday Times column, Clarkson wrote, "I was wrong and I have been punished for my mistake. Businesses and organisations collecting payments through Direct Debit are instructed by Bacs to take mandatory training.
Whether businesses are collecting independently or through a bureau, their relevant staff need to understand the fundamentals of the payment method.
There are only four recognised companies in the UK providing Bacs accredited training: In Germany , banks generally have been providing direct debit elektronisches Lastschriftverfahren ELV , "Lastschrift", Bankeinzug using both methods since the advent of so-called Giro accounts in the s.
This can happen in written form, orally, by e-mail or through a web interface set up by the payee. Although organisations are generally required not to instruct their banks to make unauthorised collections, this is usually not verified by the banks involved.
Customers can instruct their bank to return the debit note within at least six weeks. This method is very popular within Germany as it allows quick and easy payments, and it is suited even for one-time payments.
A customer might just give the authorisation at the same time she or he orders goods or services from an organisation. Compared to payments by credit cards , which allow similar usage, bank fees for successful collections are much lower.
Often retailers such as supermarkets will process Girocards as direct debit ELV transactions after performing a real-time risk analysis when the card is swiped.
Direct debits are practically free for the retailer, allowing them to save the Girocard interchange fees approx. Therefore, they are used usually for returning customers that have already had successful Girocard PIN-verified transactions at the same store or are purchasing low-risk or small-ticket items.
To prevent abuse, account holders must watch their bank statements and ask their bank to return unauthorised or wrong debit notes. As fraudulent direct debit instructions are easily traced, abuse is rare.
However, there can be issues when the amount billed and collected is incorrect or unexpectedly large. There have also been cases of fraudulent direct debit where the defrauders tried to collect very small individual sums from large numbers of accounts, in the hope that most account holders would be slow to raise an issue about such small sums, giving the defrauders enough time to withdraw the collected money and disappear.
The Abbuchungsauftrag "posting off" requires the customer to instruct his or her bank to honour debit notes from the organisation.
As it is less convenient, it is rarely used, usually only in business-to-business relationships. In the Netherlands , like in Germany, an account holder can authorize a company to collect direct debit payments, without notifying the bank.
A transaction can be ongoing, or one-time only. For both types collecting organizations must enter into a direct debit automatische incasso contract with their bank.
For each transaction the name and account number of the account holder must be provided. The collecting organisation can then collect from any account, provided there is enough money on the account and no block is set against direct debit from the collecting organisation.
Transactions can be contested depending on the type of transaction, time since the transaction and the basis of dispute. Authorized transactions of the ongoing type can directly be recalled via the bank of the account holder within the 56 days 8 weeks since the transaction, with the exception of transactions with regards to games of chance and perishables.
Authorized one-time only transactions can be recalled via the bank within 5 days. Unauthorized transactions can be contested via the bank within a limited time period after the transaction.
Another security measure is a "selective block" whereby the customer can instruct the bank to disallow direct debits to a specified account number.
Blanket blocks are also available. In Poland , direct debit is operated by KIR Krajowa Izba Rozliczeniowa and participating banks as one of the functionalities of the Elixir  clearing system.
The payer has to authorize the payee by filling, signing and submitting a standardized paper form in two copies. Interest is also adjusted as if the transaction never happened.
Collecting fees through direct debit is supported mostly by big players such as telco, insurance and utility companies and banks themselves but it is not widely used by consumers because of the bureaucracy involved in setting direct debits up.
Direct debit instructions can be given in writing or by telephone. There are protections for the holder of the account being debited in the event of a dispute.
The conversion deadline from the legacy credit transfer and direct debit systems to the Eurozone-wide SEPA system is Direct debit is preferred payment method for recurring household payments in Denmark.
Direct debit is a very common payment option in Japan. When signing up for a service, such as telephone, a customer is usually asked to enter their bank details on the service submission form, to set up for automatic payments, and the company they are signing up to will take care of the rest.
Sometimes, but not always, the customer is offered the possibility to enter credit card details instead of bank account details, to have the money directly debited from credit card instead of bank account.
FPX supports online direct debit as well as batch direct debit. It opens new doors for e-commerce in Malaysia, in particular business to business B2B and business to commerce B2C payments.
First launched in the United Kingdom in September , it garnered appreciable attention, resulting in more such ventures all over Europe.
After about two years of operations, it shut down its operations during the dot-com bubble bust. From Wikipedia, the free encyclopedia.
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