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 * Bacs Schemes arrow_drop_down
    * Direct Debit
      * Collecting
      * Services
    * Bacs Direct Credit
      * Paying by
      * Receiving payments
      * Services
    * Getting started
      * Direct Debit
      * Bacs Direct Credit
      * Direct submitters
      * Indirect submitters
      * Using ISO 20022 with Bacs

 * Operating the Schemes arrow_drop_down
    * Using Bacstel-IP
    * Maintaining payment records
    * Collecting reports
      * Collecting reports video
    * Indemnity claims
      * Handling indemnity claims
      * FAQs
      * Research findings
    * Best practice videos
    * Compliance and why it matters

 * Marketing Direct Debit arrow_drop_down
    * Get marketing help
    * Marketing campaigns
    * Guide to promoting Direct Debit
    * Specific audiences
    * Marketing tips
    * Direct Debit and Pennies

 * Resources arrow_drop_down
    * Document library
    * Direct Debit and Bacs Direct Credit guide and rules
    * Processing calendars
    * Training
    * Events
    * Facts and figures
    * FAQs
    * Sort code checker
    * Bacs approved services
    * Industry services
    * Switching services
    * Glossary
    * Payment service providers central contacts
      * Indemnity claims contacts
      * Centrally processed new non AUDDIS DDIs
    * Late payment tips
    * Direct Debit Instruction templates and logo

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 * Bacs Schemes expand_more
   * Direct Debit
     * Collecting
     * Services
   * Bacs Direct Credit
     * Paying by
     * Receiving payments
     * Services
   * Getting started
     * Direct Debit
     * Bacs Direct Credit
     * Direct submitters
     * Indirect submitters
     * Using ISO 20022 with Bacs
 * Operating the Schemes expand_more
   * Using Bacstel-IP
   * Maintaining payment records
   * Collecting reports
     * Collecting reports video
   * Indemnity claims
     * Handling indemnity claims
     * FAQs
     * Research findings
   * Best practice videos
   * Compliance and why it matters
 * Marketing Direct Debit expand_more
   * Get marketing help
   * Marketing campaigns
   * Guide to promoting Direct Debit
   * Specific audiences
   * Marketing tips
   * Direct Debit and Pennies
 * Resources expand_more
   * Document library
   * Direct Debit and Bacs Direct Credit guide and rules
   * Processing calendars
   * Training
   * Events
   * Facts and figures
   * FAQs
   * Sort code checker
   * Bacs approved services
   * Industry services
   * Switching services
   * Glossary
   * Payment service providers central contacts
     * Indemnity claims contacts
     * Centrally processed new non AUDDIS DDIs
   * Late payment tips
   * Direct Debit Instruction templates and logo

In this section
 * Using Bacstel-IP
 * Maintaining payment records
 * Collecting reports
   * Collecting reports video
 * Indemnity claims
   * Handling indemnity claims
   * FAQs
   * Research findings
 * Best practice videos
 * Compliance and why it matters

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Operating the Schemes | Maintaining payment records
In this section Using Bacstel-IP Maintaining payment records Collecting reports
Indemnity claims Best practice videos Compliance and why it matters


MAINTAINING PAYMENT RECORDS


SERVICE USER’S ROLE IN MAINTAINING ACCURATE PAYMENT RECORDS

As a service user it's your role to ensure your payment records are kept
accurate and up to date.

There are a number of reasons your payment records might need to be updated. For
example:

 * If one of your customers uses the Current Account Switch Service to move
   their current account from one payment service provider (PSP) to another they
   do not need to inform you of the change and you may therefore be paying into
   their old account
 * If a PSP moves customers' accounts then the customer may be issued with a new
   sort code and account number
 * If there was a typo in the payment details but the correct account could be
   identified.

When a payment is made to, or collected from, an old account, an Automated
Direct Debit Amendment and Cancellation Service (ADDACS) message or an Advice of
Wrong Account Credits Service (AWACS) is generated.

The Service User's Guide and Rules to both the Direct Debit Scheme and the Bacs
Direct Credit Scheme require you to collect and action advices within three
working days of them being available to you.

If you fail to action advices within the given timescales, not only are you
breaking the scheme rules, but you risk the payments you process being
unsuccessful.


HOW TO COLLECT REPORTS

We have prepared a number of helpful tools demonstrating the step-by-step
process to collect messaging reports. If you are using a bureau you should speak
to them to confirm whose responsibility it is to access and action reports.


DIRECT DEBIT AND BACS DIRECT CREDIT GUIDE AND RULES




NEED HELP?

Can't find the answers to your queries or experiencing difficulties

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INFORMATION HUB


INFO HUB

 * Direct Debit and Bacs Direct Credit Guide and Rules
   
   Microsites for the different audience’s editions of the Direct Debit and Bacs
   Direct Credit Guide and Rules to operating the schemes

 * FAQs
   
   Some commonly asked questions across the range of our products and services

 * Collecting and accessing messaging reports video
   
   Short video showing how quickly and easily messaging reports can be collected
   from Payment Services Website

 * The Little Bacs Book
   
   The essential guide for making and collecting payments by Bacs Direct Credit
   and Direct Debit

 * Little Bacs guide to minimising indemnity claims
   
   Covers when indemnity claims can occur, when they can be challenged and how
   to reduce the chances of receiving one

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Bacs is owned and operated by Pay.UK, the home of the UK’s retail interbank
payment systems.