direct debit guarantee timelimit

BASFORDLAD

If a direct debit has gone out say 2 months ago and was not noticed and shouldnt have gone out am i still able to get it refunded straight away by my bank?

huckster

This is at the discretion of your bank. I don't think there is any definate rule through BACS, which rules out any bank refunding after 2 months. If you go into your bank and prove that the debit should not have been made, then I can't see why they could not return it unpaid.

Hazzanet

There is no time limit whatsoever.

JohalaReewi

BASFORDLAD wrote: »

If a direct debit has gone out say 2 months ago and was not noticed and shouldnt have gone out am i still able to get it refunded straight away by my bank?

Don't see why not.

If the DD was taken in error (wrong amount or taken too early), you are entitled to a full and immediate refund from your bank under the Direct Debit Guarantee Scheme.
If you do go ahead, make sure you ask for a refund under the DD Guarantee Scheme (immediate refund) and not an Indemnity Claim (long wait for a refund).