Refusals are initiated by a request from the Debtor to the Debtor Bank to not pay a collection. How the refusal is handled is pre-agreed between the Debtor and Debtor Bank. The Debtor may also request a block on future SEPA Direct Debit collections on the account. If ‘refusal’ takes place before settlement, this results in a ‘Rejection’ of the collection. If after settlement, the Refusal becomes a ‘Refund’.