The ARUDD report is triggered when you have submitted a collection file in an attempt to collect from your payers. (ARUDD is an acronym made up from the Automated Return of Unpaid Direct Debits). This report is available to Service Users the day after the day that Direct Debits are due to be collected. On the day that the money is due to be taken from the Payer’s bank accounts the paying bank will check a number of factors to ensure that the Direct Debit is correctly paid or unpaid. Any payments that cannot be processed will be returned.
Automated Return of Unpaid Direct Debits reason codes
0 - Refer To Payer
Reason: Refer to Payer
Circumstances: A Payer's bank 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
Special Instruction / Information: Origination may represent up to one month from the original processing day - it is recommended that the Payer is notified of this five working days in advance of the representation. Service User will need to establish from the Payer the reason for the non-payment and likelihood of payment upon representation
1 - Instruction Cancelled
Reason: Instruction cancelled
Circumstances: Instruction cancelled by Payer or his bank
Special Instruction / Information: Service User must liaise with Payer to agree the payment method for collection of any outstanding funds
2 - Payer Deceased
Reason: Payer deceased
3 - Account Transferred
Reason: Account transferred
Circumstances: Account transferred to another Bank/Building Society
Special Instruction / Information: New DDI to be obtained from Payer, collection must be suspended until new DDI set up and Advance Notice issued to Payer
4 - Advance Notice Disputed
Reason: Advance Notice Disputed
Circumstances: Payer disputes time, amount or frequency of Advance Notice and has requested single payment to be countermanded
Special Instruction / Information: Service User should not collect further Direct Debits until it has resolved the dispute with the Payer
5 - No Account (OR Wrong Account Type)
Reason: No Account (OR wrong account type)
Circumstances: Account Number is not recognised at the Paying Banks
Special Instruction / Information: Service User should check DDI information and/or liaise with Payer
6 - No Instruction
Reason: No Instruction
Circumstances: No instruction held at Paying Bank
Special Instruction / Information: Service User should check DDI information and/or liaise with Payer and if appropriate obtain new instruction
7 - Amount Differs
Reason: Amount Differs
Circumstances: Payer states the amount of the Direct Debit differs from the amount in any existing fixed Instruction or Advance Notice to Payer
Special Instruction / Information: Service User should not collect further Direct Debits until it has resolved the dispute with the Payer
8 - Amount Not Yet Due
Reason: Amount not yet due
Circumstances: Payer states date of debiting is in advance of the due date specified in any existing fixed DDI or Advance Notice to the Payer
Special Instruction / Information: Service User should not collect further Direct Debits until it has resolved the dispute with the Payer
9 - Presentation Overdue
Reason: Presentation overdue
Circumstances: Payer states date of presentation is more than three working days after due date on fixed DDI or Advance Notice to Payer OR Re-presentation of Unpaid Direct Debit is more than one months from original Direct Debit processing day
Special Instruction / Information: Service User must give further Advance Notice to the Payer before Direct Debit is collected
A - Service User Differs
Reason: Service User Differs
Circumstances: Identity of Service User differs from DDI
B - Account Closed
Reason: Account Closed
Circumstances: Payer has closed their account for an unknown reason
Special Instruction / Information: If Direct Debit is to continue the Service User must obtain a new DDI for a difference/new account