Specific conditions relating to notices and disputes

1. I may ask my bank to reverse a direct debit up to 120 calendar days after the debit if:

a. I don’t receive a written notice of the amount and date of each direct debit from the initiator, or

b. I receive a written notice but the amount or the date of debiting is different from the amount or the date specified on the notice.

I may ask my bank to reverse a direct debit up to 9 months after the date the initiator sent the first direct debit under the authority if I am not reasonably satisfied that the authority authorised my bank to debit my account with the amount of the direct debit.

2. The initiator is required to give a written notice of the amount and date of each direct debit in a series of direct debits no less than 10 calendar days before the date of the first direct debit in the series. The notice is to include:

a. the dates of the debits, and

b. the amount of each direct debit.

3. If the initiator proposes to change an amount or date of a direct debit specified in the notice, the initiator is required to give you notice:

a. no less than 30 calendar days before the change, or

b. if the initiator’s bank agrees, no less than 10 calendar days before the change.

4. The initiator may also send a direct debit if you have:

a. asked the initiator to send it, and

b. agreed the amount of the direct debit

5. Where you have asked the initiator to send a direct debit, the initiator is required to give you a written notice of the amount and date of each direct debit no less than the date of the debit.

6. If the bank dishonours a direct debit but the initiator sends the direct debit again within 5 business days of the dishonour, the initiator is not required to give you a second notice of the amount and date of the direct debit.