Talk:Direct debit

message: When I asked my bank to cancel a DD, they advised me that the company (in this case an Internet Service Provider) belonged to a DD guarantee setup, which meant they could re instate the DD without my authority. The bank told me this was to stop people cancelling DDs just because they felt like it.
The DD website does not mention this at all.
So what is the exact situation, can I cancel a DD safe in the knowledge it stays cancelled? —The preceding unsigned comment was added by Dalavich (talk • contribs) 18:29, 29 January 2007 (UTC)
replies: text: Interesting. When I asked about getting some money returned on a DD, my UK bank told me that they could refund the money if they were notified within 24hrs, and "usually up to three days". That's hardly satisfactory when bank account statements are only sent out monthly. This looks like an intriguing story. Samsara (talk • contribs) 23:04, 30 January 2007 (UTC)

text: I'll phone my bank and ask them for the exact term they used about DDs. But the ISP was Freeserve, and if I did not cancel the DD with them too, they could re-instate without any intervention. Although the bank was not too sure how to respond, when I told them I'd move bank if they reinstated this DD! Dalavich 20:52, 9 April 2007 (UTC)
thread_title:  Cancelling a Direct Debit 

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thread_title: Fair use rationale for Image:Direct Debit logo.gif

message: Although there are similarities between debit notes and direct debits, I do not think they are the same thing at all, however, I do not know enough about Debit Notes to write a seperate article.  —Preceding unsigned comment added by Mrsrargsbrother (talk • contribs) 14:47, 1 October 2007 (UTC)
replies: text: A debit note is the opposite of a credit note but is also, I believe, a foreign translation for a direct debit mandate.  —Preceding unsigned comment added by 193.95.165.190 (talk) 10:19, 4 October 2007 (UTC)
thread_title:  Why does Debit Note redirect here? 

message: There are several links listed that redirect through to 3rd party DD service companies (managing payments etc). These companies, or these types of companies, are not listed anywhere in the article or discussed and are not necessary to illuminate the concept of a DD. They are just adverts designed to look ~official (directdebitbureau.co.uk?) so that you will click through (as I just did). If no one objects I will remove these. FloreatAntiquaDomus 18:38, 27 September 2010 (UTC)
thread_title: Adverts in external links

message: The article states that:
"Banks operate a direct debit guarantee.[4] In this, if a customer disputes an amount that has gone out of their account by direct debit, they can contact their bank and ask for an immediate refund".
This is at odds with the stance of both BACS and LloydsTSB, which both state:
"If the originator or the bank/building society makes an error, the customer is guaranteed a full and immediate refund of the amount paid."
There's quite a difference. Both BACS and LloydsTSB lay the burden of proof by the customer. The article should be clear about this.
Preceeding unsigned comment added by 82.134.237.45 at 11:00, 29 January 2013‎
:That's not the only error in the UK section. The first line says "In the United Kingdom, a direct debit requires the customer to authorise a direct debit instruction with their bank." This gives the impression that the customer must communicate with the bank, which is contradicted by the second sentence: "This task is carried out via the service user (payee)." In fact, the system is no different to that described for Germany afaics.
:Knowing the traditional insistence on signing a DD form I was amazed recently by two instances of organisations taking my bank details over the phone and not contacting me with any clear confirmation of the instruction. Talking with my bank I discovered that the person I was talking to now resolutely refuses to share her bank account number over the phone because the open-ended nature of the commitment. The description of the process by BACS says "The organisation will give you advance notice of collection dates and amounts, whether you set up a Direct Debit by telephone, internet or using a paper form". I haven't yet received such for either transaction - the second was only today, so I'll have to wait and see. It's no wonder that fraud is increasing. I'll try and correct these errors. Chris55 (talk) 17:24, 30 April 2013 (UTC)
thread_title: Cancelling Payments

message: Why does the B2C acronym get expanded as "Business to Commerce"? As far as I know, it's either "Business to Customer" or as I've seen it on rare occasions, "Business to Consumer", but never ever "Business to Commerce".  — Preceding unsigned comment added by 194.126.220.240 (talk) 05:20, 18 August 2015 (UTC)
thread_title:  B2C?  

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thread_title:  External links modified 

message: Explain further The process of direct debit 116.240.87.130 (talk) 05:15, 17 June 2022 (UTC)
thread_title:  Direct debit 

message: There's very little on fees in the article. What rates are charged in various countries, and does the payer and/or payee pay? How do the fees compare to other processing fees for other systems, like credit cards, debit cards, and paypal? Housecarl (talk) 04:46, 1 December 2022 (UTC)
thread_title:  What fees are there?