ARUDD (Automated Return of Unpaid Direct Debit) reports detail any Direct Debit not paid by the Paying Payment Service Provider (PSP). A Direct Debit may be returned unpaid for a variety of reasons. These, together with reason codes can be found below.
These reports are generated up to 2 working days after the collection date and are made available upon receipt.
ARUDD Reason Codes and their meanings:
|0||Refer to payer||The paying PSP is not in a position to pay the Direct Debit; (for some reason other than the exception below). OR The service of a Garnishee Order or Arrestment on the payer’s account, his bankruptcy, liquidation or appointment of receiver||Service user may represent up to one month from original processing day – it is recommended that the payer is notified of this 5 working days in advance of the representation. Service user will need to establish from the payer the reason for non-payment and likelihood of payment upon representation.|
|1||Instruction cancelled||Instruction cancelled by payer or his bank||Service user must liaise with payer to agree the payment method for collection of any outstanding funds|
|2||Payer deceased||Payer deceased|
|3||Account transferred||Account transferred to a new bank or building society||First check you have not been notified of the new bank details, if not you must obtain a new DDI from the payer. Collection must be suspended until a new DD set up and advance notice is issued to the payer|
|4||Advance notice disputed||Payer disputes time, amount or frequency of advance notice and has requested single payment to be countermanded||Service user should not collect further Direct Debits until it has resolved the dispute with the payer|
|5||No account (OR wrong account type)||Account Number is not recognised at the paying bank||Service user should check DDI information and/or liaise with payer|
|6||No Instruction||No Instruction held with paying PSP||Service user should check DDI information and/or liaise with payer and if appropriate obtain new Instruction|
|7||Amount differs||Payer states the amount of the Direct Debit differs from the amount in the advance notice to payer||Service user should not collect further Direct Debits until it has resolved the dispute with the payer|
|8||Amount not yet due||Payer states date of debiting is in advance of the due date specified in the advance notice to the payer. AUDDIS service users only – It is less than 2 working days since the DDI was lodged||Service user should not collect further Direct Debits until it has resolved the dispute with the payer|
|A||Service user differs||Identity of service user differs from DDI|
|B||Account closed||Payer has closed their account for an unknown reason||If the Direct Debit is to continue the service user must obtain a new DDI for a different/new account|
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