How to cancel a Direct Debit
You can cancel a Direct Debit at any time and the process is very straightforward.
Simply contact your bank or building society. If this is by phone or internet, written confirmation may be required. We also recommend you notify the organisation concerned, you could do this by sending them a copy of the letter you send to your bank.
Your bank or building society will generally require at least a day's notice before the Direct Debit is due to be paid. Try not to leave it until the last minute or you run the risk of a payment being made. It is best to check how long your bank needs to do this.
Remember that cancelling the Direct Debit simply stops payments from going to the organisation you are paying. If you carry on receiving the goods or service then you will have to organise an alternative payment method.
The information you should provide in order to cancel a Direct Debit is:
- The name of the organisation you are paying
- Your bank or building society account number
- The name(s) on the account
- The branch sort code (see your cheque book)
- Your customer reference with the organisation (if known).
The more information you can give, the easier it will be for the bank or building society to action, so if you know the amount and payment date include this information too.
Money shouldn't be collected from your account after you have cancelled and under the Scheme rules, an organisation would have to obtain your authority to reinstate a cancelled Instruction.
Once you have cancelled a Direct Debit take care to check subsequent bank statements to ensure that your instruction has been followed. That way any error will be identified immediately and steps can be taken quickly to secure a refund.
We have developed a library of useful letter templates to aid your correspondence with your bank and the organisation with which you have a Direct Debit. Go to the letter templates section in Direct Debit handy tools to access these.
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