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Debt is automatic, efficient, not

07/16/2014

This article was translated by an automatic translation system, and was therefore not reviewed by people.

 




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RIO - On the expiration date of invoice, no worry about the payment. Automatic debiting the current account is one of the facilities offered by the financial system, but that, if not well managed, can turn into a headache, discomfort and damage, as happened recently with Andreza de Melo Rodrigues dealer, of St. John the Meriti. She keeps the invoice wireline his pizzeria debit in favor of Hi

- Last year, the discounts usually happen until, in August, the payment has not been computed by the operator. The discounts have continued being made in the following months and did not notice any problem. In March, however, without any notice, the operator canceled the line - she says.

Andrezza searched the company and was informed of the invoice open. As the bank said the payment was made and the operator stated the opposite, she chose to pay the bill to get your phone back. - The Hi scored three different dates and reconnection was taken after 30 days. Injury, even I had to stay so long without phone in the pizzeria. Neither wanted to calculate the value - says.

Have Patricia Tolentino was without light because of problems with the payment of the bill of Light. - I never had the desire to check the bank statement relating to debit. Just one day my house without light dawned. I searched the dealership informed me that the delay in the account. Paid to duplicate and I was a few days without light. I went to the bank and, fortunately, managed to cancel at the time the accounts that had gas, electricity, telephone and movie channels in debit.

ACCOUNT MUST BE VERIFIED

According to Apadic, Consumers' Association, in the case of debit, there are two business relationships that are part of the consumption chain. With the company that provides the service to be paid and the bank. The error can occur at both ends, it is the company, not to send the debit order, or bank, when the company sends the bill, the consumer is balance, but the bill is not debited.

By placing your account to be paid through this system, the consumer is not free to check if the values were discounted and so effectively, the bills paid, warns Apadic. Identified the problem, ie, the non-occurrence of the payment on the scheduled date, the person should immediately contact the service provider and the bank, so that the error is identified and corrected. Ideally, according to the association, is that the complaint is made in writing.

The latest survey conducted by the Brazilian Institute for Consumer Defense (IDEC) in March, though not discriminate issues as debit, puts financial services fourth in the sectors most demanded by consumers last year. The majority of reports were related to banks, accounting for 60.71% of the visits on financial matters.

DIFFICULTY TO TERMINATE SERVICE

The economist Idec Ione Amorim says that one reason for the difficulties in closing the service is the lack of specific legislation on the subject, which ends up creating a game pushes between bank and creditor company. Ione advises consumers to be aware of the terms of the contract signed with the bank when it is authorized to debit the monthly invoice amounts.

- The call rate of advance funding to the depositor, charged when the account holder has no overdraft or the balance is insufficient to pay the account in debit, is one of the ones that have been adjusted in recent years in the basket of banking services. In 2008, when it was created, the fare was charged for operation, but after the Central Bank determined that the collection was made only once a month - explains.

She advises consumers to not maintain automatic debit accounts whose value can fluctuate widely from one month to the next, the case of post-paid mobile, since, in case of discrepancy of the amount charged, the refund can be time consuming and cause hassles throughout the negotiation.

The lawyer César Amendorala, partner of civil and commercial office area Velloza & Girotto Advogados Associados, remember that by requesting automatic debit, the customer has a new legal relationship with the bank, beyond the account holder. He says that typically, financial institutions usually do not charge for the service, which is paid by the creditor company. - It is necessary that the account holder carefully read the rules of the contract, in particular the part that governs the termination of service. If the client requests the end of the debit, it must take into account the time for this to occur. Often, the closure can be done only on the bench, on other occasions the creditor company must also be notified in writing. If the person cancels the debt and do not have enough to cover the bills paid balance will default with the bank-says Amendorala.

The Brazilian Federation of Banks (Febraban) does not identify problems with direct debit, which considers a safe mode of electronic payment. For an account to be paid via direct debit is necessary that the service provider makes a contract with the bank. When the customer wants to pay by direct debit, he should seek the service provider to register your account in this method of payment.

Time to cancel the direct debit, consumers should look for the channel that made the membership contract, ie, if the customer has adhered to the contract with the bank, he should look for a financial institution, but it was with the service provider must resume contact with the company and report the cancellation. According to the program of bank self-regulation, requests for cancellation of automatic debits will be answered within five working days before the scheduled debit. Febraban also notes that many depositors believe that by failing to use a checking account, it will be automatically terminated and suspended debts. This is not true.

Procon-RJ, there are complaints about the automatic debit to bank accounts, but the amount is not calculated because the data storage system, developed by the federal government does not allow filtering so specific search. The misappropriation is one of the biggest areas of complaint against banks in the organ. In case of complaint, the consumer should look for Procon-RJ to the protocol request the cancellation of the service.

WHAT DO BUSINESS

Hi The reported 'reported by Andreza point of failure has been corrected "and that the process of collecting direct debit registered customers who for some reason do not have the payment made is the same adopted for other consumers who use other means of payment. The customer will receive a letter warnings provided in the regulations of each product (fixed, mobile and TV), SMS messages and voice reporting the debt to prevent the actions envisaged in the legislation. Unlocking occurs after the debt is settled and informed by the bank to Hi If you wish immediate release, may require the service channels.

Light already reported that, according to Resolution 414/2010 of the National Electric Energy Agency (Aneel), warns the bill, with 15 days in advance, on a likely cut power by default. Light recommends that customers enrolled in debit periodically consult your energy bill and, if possible, the bank statement to confirm payment after the invoice due date.


Source: The Globe - Online

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