Direct Debit FAQ’s
Who makes sure that the organisations collecting money are reputable?
All organisations using the Direct Debit system are sponsored into the Scheme by their bank or building society. They are checked for integrity, sound financial standing and administrative capability before being permitted to offer Direct Debit to their customers.
How much notice does Unicom give me before you collect from my account?
You will be notified on your bill 10 working days before collection.
Can Direct Debits be paid from any account?
Most current accounts at banks and building societies can be used to make Direct Debit payments. Some special deposit accounts also allow them - just ask at your branch.
Who actually controls Direct Debit payments?
The bank or building society that holds your account is responsible for all aspects of the running of that account. They are therefore answerable for all payments, including those made by Direct Debit.
Once it is set up, do I have to do anything?
No, other than making sure you have sufficient funds in your account when the payment is due. To assist with this Unicom will give you advance notice of the collection dates and amounts, whether you set up a Direct Debit by the telephone, Internet or by completing a paper Instruction. It is a good idea to check your bank statement regularly to ensure that all your Direct Debits are collected as shown on your advance notice.
Why has my direct debit been denied?
There are a number of possible reasons why your Direct Debit was denied, the two most common are:
Refer to Payer - There are insufficient funds for the Direct Debit to be taken from your bank account. You will need to contact our Credit Control team on 0161 946 4446 to make an alternative payment.
Direct Debit Cancelled - Your Direct Debit has been cancelled and the bank will not allow Unicom to collect money from your bank account. You will need to contact our Credit Control team on 0161 946 4446 and make an alternative payment and reset your Direct Debit. Remember, your bank may charge you the reject a payment collection.
What do I do if my direct debit has been rejected?
Contact Unicom’s Credit Control Department on 0161 946 4446 to find out why and ensure your account is up to date and your Direct Debit is active.
How do I cancel a Direct Debit?
If you need to cancel a Direct Debit, simply write to your bank or building society. It is also a good idea to send a copy to Unicom. Your bank or building society can make the cancellation up to and including the due date, but try not to leave it until the last minute or you run the risk of a payment being made. Remember that cancelling the Direct Debit simply stops paying Unicom. If you carry on receiving the service then you will have to organise an alternative payment method, which may incur additional charges.
How can I be sure my account is safe from fraud?
It's very unlikely that this will ever occur because organisations using the Direct Debit Scheme go through a careful vetting process before they're authorised, and are closely monitored by the banking industry. But if money were to be drawn from your account fraudulently you'd be protected by the Direct Debit Guarantee, and would be entitled to an immediate refund from your bank or building society.