Direct debiting a payment to our accounts is a process that makes it quite easy the process and control of our expenses Due to the various contracted services, however, there are some situations in which this may be contradictory due to the fact that there may be a payment that we do not owe or we do not want to make, however, the system will do it automatically. And it is in these cases where the question arises as to how we can carry out the process to return a payment receipt. But before entering the process, let's see some important points that we must consider and know.
The first thing we have to know is in which situations we can consider that what is fair is return receipt, and it is that depending on our situation it will be worth it to carry out more or less procedures than we will analyze later.
By companies that do not comply
Currently there are many companies like they are that offer mobile phone services, or companies that offer internet services that they offer to their customers various conditions or offers that are very tempting, in which the client can register in the companies in a very simple way; Unfortunately, there are some companies that oversell their products or services in their advertising, and once we start using them, these are not even close to what we were promised.
And the worst part is that many times these same companies put many obstacles to be able to cancel the service, we clarify this because for many people the simplest thing is cancel payments and request a return receipthowever, this is not convenient for some reasons that will be explained later.
Because we will not use the services
On some occasions, we can make the decision to no longer consume the services that companies offer, either because the term of the contract expired or because we have found a better offer with some other provider. However, during the process it is possible that time passes and that a charge has been made to our bank account. In these situations we can also request the return of receipt.
Errors in payment
In some situations there is an error in the payment reference to which the receipts are being loaded, on these occasions it is also important to perform the return receipt to be able to rectify the information.
To identify errors As these, it is important that we be aware of our bank statement, and it is that although we will receive the notification from the company that it has not received the payment, it is best that we identify these possible errors in time.
Incorrect amounts
Another of the situations in which we can take the decision to return a receipt It is when the amount that was charged is not the indicated one. It is very important that in all situations we have the good habit of keeping the documents that can serve as proof of all the procedures and agreements that we reach with the Service provider.
Returning the receipt
The first thing that we will clarify is that any user of a bank has the right to be able to return a receipt if he does not want to pay it, but there are two situations in which the procedures can be carried out to be able to return the receipt.
The first case is when the Reason for return is that we have been charged or charged an incorrect amount, which does not match the specifications of the contracts we signed, generally our claims are when the charge made is greater than the one agreed, however, it is very important that in case the amount is less than the agreed amount, we will also resolve the matter.
Previously we mentioned the importance of keeping all the documents related to the hiring process, and in these cases it will be very important that we deliver the document specifying the amount we agreed to pay so that the bank can check the quantities and authorizes the return of receipt.
The latter is highly recommended because there are times when the company may consider the payment incomplete, and this can generate surcharges for the next payment. On some other occasions this may be a clause that is specified in the contract. That is why it is extremely important that we consider addressing these situations as soon as possible; Although this may not be the cause of Return receipt is something to be aware of.
Now, if the requirement that the amount charged and the one agreed with the company does not agree, we can also return the receipt, but in this situation there are some restrictions.
One of the essential requirements that we have to comply with is that the moment in which we carry out the process is no later than 8 weeks after the money transfer was made. So if we are within the deadline it is possible to carry out the return process.
The return process
This process can be carried out in two different waysThe first is to attend some of the bank's physical branches. In this situation, approaching an account executive will give us the facility to be able to solve all the doubts we have in this regard, and in this way we can enhance the process; Now, it is very important that when carrying out these procedures we have a copy of all the documents that they will request us to carry out. claims and procedures.
The other option we have is to perform the application and the online procedure; If we decide on this option we will have to enter the portal of our bank, once we are on its home page we must enter the open line section. Once accessing this menu we will find several options among which we must choose "receipts" that is inside the "accounts" tab.
Once that option is entered, a list will be displayed that includes the accounts we have; there you have to select the link that is titled "historical", This has to correspond to the account with which we want to carry out the procedure. Once this option is selected, the complete list of direct debits will be displayed.
At this point we must select the direct debit from which we want to return the receipt. Once we enter that section, all you have to do is click on the link "return". And that is all the procedure that we must carry out.
Stop paying
Another options that will appear is not to pay moreThis is so that automatic charges are no longer made to our account. At this point we must clarify the following, and it is that we had mentioned that on some occasions companies resort to tricks so that the client contracts their services in a simple way, but it makes the process to cancel the service difficult. In these cases, what many people usually do is simply eliminate the direct debit, despite the fact that the correct process is to make a burofax, which is a format that is filled out and sent in order to cancel the service that is no longer available. required.
This usually causes the user to be I sent to the RAI or ASNEF, and in most cases this happens without the user being notified, so it can cause problems with subsequent procedures. For them, it is recommended that regardless of the causes for canceling the service, we do so with the correct procedures.
Domicile payments
As mentioned at the beginning of this article, direct debiting some payments to our bank accounts is a procedure that really makes our lives much easier, and it is much easier to control our expenses, and it facilitates the process of making payments. in physical establishments or in going to make deposits; However, before making the decision to direct the payment, it is very important that we consider whether this is necessary.
The reason why we give this advice is that on many occasions the fact that the entire payment process is done automatically, it is possible that we lose the habit of check how our finances are going, and because of this it is also possible that later we will encounter some difficulty. Exemplifying the above, we could speak of a hypothetical situation in which for several months some direct debit payment has increased without being notified, so, if we do not have the habit of reviewing our account statement, it is possible that we are paying more money .
Now when you decide on direct debit payments It is highly recommended that we maintain a habit to review the account statement, to facilitate this we can define a specific schedule.