Document ID: chunk:federal_register_of_legislation:F2024C00882:schedule:1:p19
Version: federal_register_of_legislation:F2024C00882
Segment Type: schedule
Provision Reference: sch 1 (pt 19/40)
Character Range: 439645–442124

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(position of person signing)

   * Omit whichever is not applicable.
   ** Indicate the daily, monthly or other rate at which enforcement expenses may accrue.

Form 11—Direct debit default notice
subsection 87(3) of the Code
regulation 85 of the Regulations

DIRECT DEBITS FROM YOUR BANK ACCOUNT
  A direct debit repayment has been dishonoured (not paid). Contact us [insert telephone number or email address] to arrange to make your payment. Check your direct debit request before your next payment is due. Make sure you understand how your direct debit works and what to do if you have a problem.

        Are you unable to make a payment?
  If you can not make a payment, you should contact us immediately. Depending on your circumstances, we may make changes to the repayments under your contract to help you repay the debt.
  You can ask us to:
           * extend the term of your contract and reduce repayments; or
           * extend the term of your contract and delay payments for a set time; or
           * delay payments for a set time without extending the term of your contract.
  If we refuse your request, you can ask us to reconsider. If we still refuse, you can go to the AFCA scheme by [insert contact details and method(s) for lodging complaints]. You should apply as soon as we refuse your request or if we do not respond to you within 21 days.
  THE AFCA SCHEME IS A FREE SERVICE ESTABLISHED TO PROVIDE YOU WITH AN INDEPENDENT MECHANISM TO RESOLVE SPECIFIC COMPLAINTS.
  Alternatively, you can seek legal advice, for example from a community legal centre or Legal Aid. There are other people, such as financial counsellors, who may be able to help.

        Some useful tips on direct debits
  Make sure you have the correct account number. Ensure that you have not given the wrong account number, or that the direct debit has not been dishonoured due to the account being changed or closed.
  Read your Direct Debit Request Service Agreement carefully. Make sure you understand how much we will withdraw from your account and when we will withdraw it. Contact us if you need to change the dates on which the direct debit occurs.
  Have adequate funds in your account to meet your payments. This will ensure you don't default again or incur a fee for not having sufficient funds in your account.
  Check your bank statements. Make sure we are withdrawing the