Business Directories Limited

The Direct Debit Guarantee

The Direct Debit Guarantee protects customers from payments taken in error. In the case of any incorrect or fraudulent payments, the payer is entitled to a full and immediate refund from their bank.

The Direct Debit Guarantee (or the “Direct Debit Indemnity”) is the Direct Debit scheme’s customer protection. The Guarantee protects customers against payments made in error or fraudulently, making Direct Debit the UK’s safest payment method. The full text of the Direct Debit Guarantee is available below.

The Direct Debit Guarantee protects customers in three ways:

Notifications - customers must be notified in advance of each payment. Failure to follow notification requirements may result in a merchant being barred from the scheme.
Refunds - customers are entitled to a full and immediate refund of any payment that has been taken in error.
Cancellations - customers can cancel a Direct Debit mandate at any time by contacting their bank. For more information see our guide to cancelling Direct Debit mandates.

Each of the above protections are enforced by the banks and so form an intrinsic part of the Direct Debit scheme. Refunds and cancellations are processed by the payer's bank without prior discussion with the merchant.

If you have any further questions about Direct Debits please do not hesitate to contact us. Please ring 01524 60790.

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BUSINESS DIRECTORIES LIMITED
Registered Office: 82 Dale Street, Lancaster, Lancashire, LA1 3AW.
Registered in England & Wales with Company No. 09559325.

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