HSBC (UK); ISO 20022 Pain.008 XML Direct Debit - How and Where?

antrobus

ConfusedOne0 wrote: »

...I called several times HSBC (UK) and asked them from where could I obtain file request for doing direct debit so debited funds arrive to HSBC account. ...

Have you made an application to HSBC to become a Direct Debit Originator?

BMN

For starters, do you even have a business account with HSBC?
In any case, I think that unless you are a large company HSBC are unlikely to be able to help you with collecting Direct Debits.

A Direct Debit Bureau might help you with your needs.

Hazzanet

ConfusedOne0 wrote: »

Anyway, I would still like to know where could I get those files based on bolded text in this message.

For the UK it would probably be the EISCD:

http://www.bacs.co.uk/Bacs/Businesses/Resources/Pages/EISCD.aspx

I assume other countries have their equivalent.

agrinnall

Surely you should be discussing this with your Relationship Manager at HSBC so that they can find out the information you require from the relevant specialist department in the bank?

ConfusedOne0

antrobus wrote: »

Have you made an application to HSBC to become a Direct Debit Originator?

No, of course not. Fortunately I was smart enough that I didn't limit myself based on such decision whether or not to be approved.

BMN wrote: »

For starters, do you even have a business account with HSBC?

Not in HSBC particularly. Here I have 3 personal ones. Since ISO20022 works with both personal and business (both joint [more than one individual's name on name of Account Holder] and not joint [One]), I shouldn't worry about this.

Hazzanet wrote: »

For the UK

No such files, related to pain.008 and pain.001 there at all but im looking for the rest of 33 sepa countries also, not just those four countries within UK.

agrinnall wrote: »

Surely you should be discussing this with your Relationship Manager at HSBC so that they can find out the information you require from the relevant specialist department in the bank?

I did exactly this. In the branch and SEVERAL times on phone call. Never received any help. Most common answers were like:

"We don't have feature where you could upload files to us."
"I have never heard for XML banking files"
"Don't know ISO20022"
"What is pain.008 and pain.001"
and so on...

antrobus

ConfusedOne0 wrote: »

No, of course not. Fortunately I was smart enough that I didn't limit myself based on such decision whether or not to be approved.....

Then apply to become a DD originator.

http://www.aptbacs.co.uk/Downloads/PDF/Direct%20Debit%20Management%20Guide.pdf

Until you are approved as a DD originator, you are wasting your time fussing about file formats. You need to be an approved DD originator to be able to upload files to you bank.

ConfusedOne0 wrote: »

.Not in HSBC particularly. Here I have 3 personal ones. Since ISO20022 works with both personal and business (both joint [more than one individual's name on name of Account Holder] and not joint [One]), I shouldn't worry about this.......

I would. You need to be a business, and have a business account, to be a DD originator.

Archi_Bald

Use a service like https://gocardless.com/

MrNickel

Even if you put together a valid file, and even if you found a way to upload them to your bank they would refuse to process them without you having a direct debit originator identification number- and they do not hand those out to anyone who just asks for one.

Hazzanet

MrNickel wrote: »

and they do not hand those out to anyone who just asks for one.

Indeed, and don't I know it! Getting past the credit and indemnity risk checks can be a challenge.

Hazzanet

HSBC's own documentation refers you to the iso20022 website: