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What is an originator?
An originator is a company or organisation that creates and presents direct debits to a sponsoring bank.

How can I pay by direct debit?
Most large billing organisations such as utility companies make it very easy for customers to pay by direct debit. The Direct Debit Instruction can be completed in paper form, given over the phone or on-line. Instructions taken over the phone must be confirmed in writing to customers. Once the instruction is in place, your bank will allow direct debits to be applied to your account.

What information will I need to set up a direct debit?
A Direct Debit Instruction typically requires as a minimum your name, address and bank account details.

What should I do if I have a query on a direct debit payment?
Depending on the nature of your query, you should contact your originator, bank or building society.

If I set up a direct debit over the telephone or online, what record will I have of the agreement?
The originator will send you written confirmation of your direct debit instruction within three working days of the telephone call or online sign-up. You should check the details without delay and contact the originator if you have a query.

What happens once the direct debit is set up?
The originator will notify you in advance of the payment details and will collect the funds on the due date. You need to make sure you have sufficient funds available in your account.

Will the direct debit always be debited on the same date?

In many cases, if agreed with the originator, the direct debit can be applied on a regular date; otherwise it will be debited as per the advance notice.

What if I need to change my bank account details?
If you wish to change the bank details you should inform the originator within a reasonable timeframe and contact your bank to cancel the existing instruction.

How do I cancel a direct debit?
You can cancel a direct debit by writing to your bank. It is also advisable to inform the originator of the cancellation.

What information should I provide in order to cancel a direct debit?
When you contact your bank you will need to provide your account details, the name of the originator and any details relevant to the direct debit.

What happens if a direct debit is charged to my account in error?

You should contact your bank as soon as possible and it will provide a prompt refund once it has been established that a direct debit was unauthorised. Click here for more information on your rights as a payer.