Frequently Asked Questions
Here are some of our most frequently asked questions.
Q. Do we have to keep a hard copy of the DDI or will a scanned copy do?
A. The rules say “a copy” of the Direct Debit Instruction will be sufficient and so a scanned copy is all that is required should you ever need to produce one for a paying bank.
Q. Where do I get a copy of latest Scheme Guide and Rules?
This is located in the secure area of the Bacs website. You will need your password and login details to access it. If you do not currently have a login then you can request one from Bacs and you should be given access provided you are a registered Service User.
Q. Is AUDDIS being made mandatory?
Not at the moment. This is something that gets discussed frequently and may happen in the future, however at the moment the manual scheme runs alongside the AUDDIS scheme. It is mandatory however for any new Service Users that are submitting directly to Bacs.
Q. What is Direct Debit?
A Direct Debit is an instruction from a customer to their bank or building society authorising an organisation to collect varying financial amounts from their account.
Q. Why Direct Debit?
There are all sorts of reasons why many organisations would see Direct Debit as the most reliable, efficient and cost effective way to collect payments; there are many advantages to consumers too. More details on these reasons can be found on our page Why Direct Debit?
Q. What are the downsides?
There are a couple of things that an organisation needs to think about and it all depends how you are looking to use the scheme. The good news is, if you implement the scheme well and understand it’s rules and guidelines, then there is very little to worry about.
Q. How do I go about collecting Direct Debits?
As with most things in life there are a number of options, your bank is usually the best place to start. You can apply to collect Direct Debits directly or you may choose to involve a third party to help you. It will depend on your business and your customers as to what works best for you. We can help with Direct Debit collections, please contact us for more details.
Q. What does your training cover?
Our “Clear” Direct Debit Training course covers all of the rules and guidelines that you need to comply with. It also gives valuable insight into how to maximise the opportunities that Direct Debit presents. Full details are on our training page.
Q. What is AUDDIS?
AUDDIS is the Automated Direct Debit Instruction Service – it’s the easiest and quickest way to set up a new Direct Debit customer. For all new companies looking to collect by Direct Debit, this is now the mandatory way to send your new Direct Debit Instructions to Bacs unless using a 3rd party to make your collections.
Q. What is PDD?
PDD stands for Paperless Direct Debit. PDD allows you to sign up new customers without getting them to fill out a paper form. This makes it ideal for any organisation that wants to take full advantage of the internet or sign people up through telephone contact. There are different rules that will apply to companies that would like to use this method of sign up. Please contact us for more information.
Q. What if the question I have isn’t answered here?
If you have any additional questions about the Direct Debit scheme or our services please complete the form below and we will quickly respond with a direct answer.