Nationwide - cancelling and reinstating DDs

GooliesOfFire

Does anybody know whether companies who are paid by DD will see them as cancelled when somebody cancel them i.e. by mistake and then reinstate them 5 minutes later?

pqrdef

GooliesOfFire wrote: »

Does anybody know whether companies who are paid by DD will see them as cancelled when somebody cancel them i.e. by mistake and then reinstate them 5 minutes later?

Some banks notify the payee, some don't.

But if it was possible to reinstate the DD mandates, that suggests they were never really cancelled. Once they're cancelled, the payee has to re-create them.

If you cancel and reinstate a standing order, the payee won't know anything about it.

Deneb

If you cancelled and reinstated a direct debit by online banking, the help selectable from the cancelling direct debits screen shows you this:

Please note: When you re-instate a Direct Debit, it will show as re-instated but it will not be opened. To re-open your Direct Debit, please ask the originator to contact.

Which suggests that even though the direct debit is reinstated within the direct debit list in online banking, it won't be active until the originator has set it up again. However, I believe when you cancel a direct debit through online banking, the instruction does not actually take effect until the following day, so if you reinstated it after 5 minutes you might be OK. Best not rely on that though. As you have a secure messaging facility within online banking, why not ask Nationwide directly?

GooliesOfFire

I thought as DD appears to be ACTIVE there was not need to be alarmed. I was only worried that there might be some automated instant messaging service in place to inform originator about the cancellation of DD.

I'll contact Nationwide tomorrow and ask, just to be sure that the DD is open.

YorkshireBoy

GooliesOfFire wrote: »

I was only worried that there might be some automated instant messaging service in place to inform originator about the cancellation of DD.

There is, but as an earlier poster suggests it may be run as a batch process overnight.

Google "ADDACS report" for further details.

GooliesOfFire

Cheers.. I'll google it.

agrinnall

Indeed, I would be quite surprised if any organisation creates its ADDACS files in real time, so if the DD is cancelled and reinstated within a single business day then I wouldn't expect there to be any problem.

Hazzanet

At the very worst the ADDACS file will include the Cancelled by Payer, and Reinstated by Bank entries.

The issue here is how the Service User's (Originator) system will deal with this: Reinstated by Bank is seldom used, so you may find that the entry is ignored or incorrectly handled (a consequence of incorrect interpretation of the BACS Service User Manual or shoddy programming).

If this is the case, expect a letter from the Service User accusing you of cancelling the Direct Debit and asking you to contact them to set it up again.

Hazzanet

Just out of interest, what did happen?