Automated Return of a Direct Debit (ARUDD) Report:
Automated Return of a Direct Debit (ARUDD) Reports are produced for each service user. This is the report which will informs the service user about which Direct Debits have been returned ‘unpaid’ and give a reason why this has occurred so the appropriate action can be taken, for example, to represent the direct debit, or to collect a new DDI etc.
Separate sections are provided for unpaids returned on day 3 (collection day) and day 4 respectively (day after collection day), with further sub-sections for each nominated account involved.
ARUDD reports detais the Direct Debits that have been returned and is made available to the service user via the payment services website on day 4( or 5), where it can be printed or downloaded. The service user can also opt to pull the report directly into thier Bacstel-IP software or in another in-house system configuration permitting, unpaid by the paying banks. The report lists all returned Direct Debits for each Service User Number (SUN) for any one processing day. If the service user submits Direct Debits for processing on consecutive working days this may result in some transactions for two consecutive days being displayed on one advice, where certain paying banks have providedadvice using the latest timeframes.
A sample copy of the ARUDD report is below:
An explanation of the report information is detailed in the following table:
|Service user number||Service user number|
|Bank||Service user’s sponsor|
|Branch name||Name of bank branch which holds the service user’s account|
|Sort code||The sort code number of the service user’s account|
|Account number||The service user’s account number|
|Reference||The reference quoted by the service user on the Direct Debit record|
|Amount||Amount of Direct Debit|
|Returned from name||The payer’s account name as quoted on the Direct Debit record|
|Sort code||The sort code number of the payer’s account|
|Account||The payer’s account number|
|Trans code||The transaction code quoted on the Direct Debit record|
|Reason for return||The first character will give the reason code for return, characters 2-4 is the original processing date of the Direct Debit record, followed by description of the reason for return|
|Original Bacs processing day||The original processing date is quoted and corresponds to the characters 2-4 of the reason for return|
On receipt of collection failures, service users need to reconcile reports immediately (within 3 working days) by updating the Direct Debit Instruction status and collection information.
The ARUDD report will contain one of a specific number of reason codes for why the DD has been unpaid. These are listed below.