We request Direct Debit payments two working days before your due date and, once requested, we are unable to cancel them.
If you do not have sufficient funds to make the payment, the Direct Debit will be returned unpaid the following day. We will attempt to take the payment again in 4 working days.
You will receive communications regarding missed payments during this retry period.
Once a Direct Debit is being processed, any amendment you make to your repayment date or amount using our online financial difficulties tool, will be applied from your next repayment.
If you need to stop this payment (or the retry) because your bank charges a fee for unpaid Direct Debits, then please speak to your bank in the first instance.
If you do cancel the payment with your bank, you will need to contact us so that we can make alternative payment arrangements and provide support to help avoid arrears if possible and potential credit file impact.