Clipping of news on Brazilian Culture, Law and Citizenship
10.26.2015
This article was translated by an automatic translation system, and was therefore not reviewed by people.
transparent image
Although practical and comfortable, the service may display errors and cause harm to the consumer
The convenience and the facilities offered by direct debit systems have attracted more and more consumers who do not want to worry about the due dates of the invoices. However, if the tool is not well managed, can cause headaches.
In many cases the system may fail and the bills end up not being paid. Often, consumers will realize the error when there is the supplier notification about the failure to pay, or if they happen to break the unpaid service (water, electricity or telephone, for example).
To avoid this type of disorder, it is important to monitor bank statements to see if the accounts have been duly paid.
Who is responsible?
Failure to debit can from both the bank and the company providing the service. If the financial institution, it may happen that the value not be charged, even if the customer has balance in the account. Already by the suppliers, failure happens when there is not sending the debit order.
To solve the problem, the consumer should contact both with the company as a provider with the bank in order to identify which of the two was responsible for the failure. The most appropriate is to complain in writing.
Termination of service
To cancel the direct debit service, consumers should look for the channel with which it made the adhesion contract. If the contract was signed with the bank, is it that the consumer should go in time to make the cancellation. If the service has been contracted with the company providing the service, the procedure should be the same.
Cancellation requests automatic debits must be answered within five working days before the scheduled debt. Remember that, close the current account does not end the debt service automatically. Thus, the specific cancellation of the service is still necessary.
In case of complaint, the consumer should seek the Procon of your city with the request protocol of the cancellation of the service.
Source: Idec
To access the IDEC website, click here.
Our news are taken in full of our partner sites. For this reason, we can not change their content even in cases of typographical errors.
This article was translated by an automatic translation system, and was therefore not reviewed by people.