Document ID: chunk:federal_register_of_legislation:F2024C00882:schedule:1:p20
Version: federal_register_of_legislation:F2024C00882
Segment Type: schedule
Provision Reference: sch 1 (pt 20/40)
Character Range: 441888–444636

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 correct amount at the right time.

  Cancelling your direct debit. In most situations, you can cancel a direct debit with us or with the bank or financial institution where your account is held (provided you comply with any specific requirements). However, you need to make sure you have made alternative payment arrangements with us so that you do not default on your payment. Your instruction to cancel a direct debit may have to be in writing. Contact your bank or financial institution a few days after you have sent your written notification to check that the direct debit has been cancelled.
  Resolving a problem with your direct debit. If you have a problem with a direct debit you can make a complaint to us or to the bank or financial institution where your account is held. You can also contact the AFCA scheme for assistance in resolving the complaint if you were unable to resolve it with us. The AFCA scheme can be contacted at [insert telephone number, email/website and postal address].
  Get further information. If you have questions about direct debit authorities, talk to your bank or financial institution.

Form 11A—Direct debit default notice

       subsection 87(3) of the Code
       regulation 85 of the Regulations

IMPORTANT
We have not received a payment because your arrangements to pay by direct debit have been dishonoured.

      YOU NEED TO CONTACT US IMMEDIATELY

        1. Is there a reason why your direct debit arrangements have failed?

        There may be reasons why your direct debit may fail, and you may wish to check with your bank or financial institution. If you need to change your direct debit arrangements, contact us at [insert telephone number or email address for dealing with variations to direct debit arrangements].

        If you continue to fail to make the payments due under your credit contract we may take action against you.

        2. Are you experiencing financial difficulty? Contact us immediately

        Contact us* [insert telephone number or email address for dealing with financial hardship applications] to discuss your situation. We may be able to help you to repay your debt by varying your contract (for example, changing the amount or timing of your repayments). The sooner you contact us, the easier it will be to help you.

        If we refuse to change your contract, we will notify you in writing and you can seek a review of our decision by going to the AFCA scheme by [insert contact details and method(s) for lodging