Direct debits are covered by the direct debit guarantee – so if a business makes an error with a direct debit, their customer can sometimes claim the money back from their bank or building society.
Errors can include the wrong amount being taken, or the right amount taken on the wrong day.
But, if there's been no error with the direct debit, the business claiming it may be entitled to pursue the customer for any outstanding money if a refund has already been given. The bank can also ask for the money back.
The bank can ask questions about why the customer believes there is an error with the direct debit. And, where it's not clear there is an error, the bank may also refuse to refund the customer.
You can find more information about direct debits on our website.
And if you've got any questions, get in touch.