The AUDDIS reports becomes available to BACS originators the day after a file of new Direct Debit Instructions has been submitted. If the instruction is valid and is able to be set up against the customer’s account then the AUDDIS report will not contain any details. If however there is a problem and a new instruction is not accepted either by Bacs or the payer’s bank and is therefore not lodged against the customer’s account then you will receive AUDDIS reports detailing this (AUDDIS File Acceptance & Advice of Bank returned Direct Debit Instructions) and the reason codes are as follows;
Automated Direct Debit Instruction - Bank Rejection reason codes
1 - Instruction cancelled by Payer
Reason: Instruction cancelled by Payer
Circumstances: Payer has instructed Paying Bank to cancel DDI
Special Instruction / Information: Service User must liaise with the Payer to agree the payment method for collection of any outstanding funds
Action Taken by: The DDI is marked as cancelled at source
2 - Payer deceased
Reason: Payer deceased
Action Taken by: The DDI is marked as cancelled at source
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
Action Taken by: The DDI is marked as cancelled at source
5 - No account
Reason: No account
Circumstances: Account number is not recognized at the Paying Bank
Special Instruction / Information: Service User should check Direct Debit information and / or liaise with Payer
Action Taken by: The DDI is marked as invalid
6 - No Instruction
Reason: No Instruction
Circumstances: Does not exist on Paying Bank's database
Special Instruction / Information: Service User should check Direct Debit information and/or liaise with Payer and send a 0N when resolved
Action Taken by: The DDI is marked as invalid
B - Account Closed
Reason: Account Closed
Circumstances: Payer has closed his account for an unknown reason
Special Instruction / Information: If the Direct Debit is to continue the Service User must obtain a new DDI for a different / new account
Action Taken by: The DDI is marked as cancelled at source
C - Account transferred to another Bank / Building Society
Reason: Account transferred to another Bank / Building Society
Circumstances: New account details supplied to the Service User by Paying Bank
Special Instruction / Information: Service User should apply change to data file and continue with Direct Debit collections. An 0C/0N pair must not be sent on receipt of this message
Action Taken by: The DDI is updated with the new details as provided in the advice
F - Invalid account type
Reason: Invalid account type
Circumstances: Paying Bank does not allow Direct Debits on this type of account
Special Instruction / Information: Service User will need to obtain new account details from the Payer. The Direct Debit cannot be applied
Action Taken by: The DDI is marked as invalid
G - Bank will not accept Direct Debits on account
Reason: Bank will not accept Direct Debits on account
Circumstances: Paying Bank does not allow Direct Debits on this account
Special Instruction / Information: Service User must liaise with Payer and obtain a new DDI for a different/new account
Action Taken by: The DDI is marked as invalid
H - Instruction has expired
Reason: Instruction has expired
Circumstances: Occurs when an Service User attempts to convert a DDI which is shown as expired on the Paying Bank's database
Special Instruction / Information: A 0N will be required to re-activate this DDI if collections are to resume. Service User must ensure they have the Payer's authorisation to collect under expired Instruction
Action Taken by: The DDI is marked as cancelled at source
I - Payer Reference Number is not unique
Reason: Payer Reference Number is not unique
Circumstances: Paying Bank has matched the DDI to an existing DDI with a similar reference that has more or fewer characters
Special Instruction / Information: Service User should allocate a different reference and lodge DDI, again using 0N
Action Taken by: The DDI is marked as invalid
K - Instruction cancelled by Paying Bank
Reason: Instruction cancelled by Paying Bank
Circumstances: Paying Bank has cancelled the DDI
Special Instruction / Information: Service User cannot collect via Direct Debit on this account. If the Direct Debit is to continue the Service User must obtain a new DDI for a new account
Action Taken by: The DDI is marked as cancelled at source
L – Incorrect Payer’s Account Details
Reason: Incorrect Payer’s Account Details
Circumstances: Either:
The sort code/account number has failed the modulus check.
The sort code does not exist.
The account number is not all numeric or is all zeros.
The account type is invalid.
Special Instruction / Information: Service User should undertake sortcode validation and modulus checking prior to sending the DDI transactions to Bacs or, if already doing so, should ensure that they are using the latest version.
M – Transaction Code/User Status Incompatible
Reason: Transaction Code/User Status Incompatible
Circumstances: Transaction codes which are allowed whilst in this status have been sent.
Special Instruction / Information: Service User has sent ‘0S’ DDI transactions after being sent being given ‘LIVE’ status on the Bacs masters files. Service User should re-submit transactions with ‘0N’ as the transaction code.
N – Transaction Disallowed At Payer’s Branch
Reason: Transaction Disallowed At Payer’s Branch
Circumstances: This code will be returned where the paying banks have expressly disallowed the set-up of DDIs at the branch in filed 1 of the transaction (Sortcode)
Special Instruction / Information: Service User should refer back to their payer and obtain a DDI for a different/new account.
O – Invalid Reference
Reason: Invalid Reference
Circumstances: The reference in filed 10 of the DDI record does not comply with the AUDDIS rules.
Special Instruction / Information: Service User should ensure that references meet the rules of the AUDDIS service.
P – Payer’s Name Not Present
Reason: Payer’s Name Not Present
Circumstances: Validation has detected filed 11 is blank. A payer’s name should always be entered.
Special Instruction / Information: Service User should correct the record and re-submit.
Q – Service Users Name Is Blank
Reason: Service Users Name Is Blank
Circumstances: Validation has detected filed 9 is blank. The Service Users company or trading name should always be entered.
Special Instruction / Information: Service User should correct the record and re-submit.