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How to re-present unpaid Direct Debits

April 5, 2023

Every organisation understands the importance of cash flow – and, if you've ever had Direct Debits returned unpaid, you will also understand the frustration and financial impact that it can cause. Fortunately, there is a solution – re-presenting the Direct Debit.

Re-presenting Direct Debits

A re-presented Direct Debit is a Direct Debit that is presented again for collection, having previously been returned unpaid by the bank. This is a simple and effective way to collect funds owed to you. However, there are some criteria that must be met:


  • The re-presented Direct Debit must be presented within 30 days of the original presentation.
  • The amount being collected must be the same as the original presentation.
  • It must be identified by the transaction code '18'.

Rules to follow for successful re-presentation

The Bacs Service User’s Guide and Rules to the Direct Debit Scheme have outlined some best practices for re-presenting Direct Debits. According to the guidelines, a re-presentation should only take place if there is a reasonable assumption that the collection will be successful.

Understanding the reason for the failure

It's important to understand why the Direct Debit failed the first time. If it was due to a timing issue and the funds were not available, re-presentation can be a simple path to a successful collection. However, if the failure is due to the Payer disputing the collection, re-presentation may not be successful, and an alternative solution may be required.

Contacting the customer

If you decide to re-present the Direct Debit, it's best practice to contact the customer and offer them a new collection date. At least five working days' notice must be given for the new collection date. This approach not only helps you collect the funds but also shows your customers that you value their business and are willing to work with them.

Final thoughts

Re-presenting Direct Debits can be an effective way to collect funds owed to your organisation. However, it's important to understand the rules and guidelines to ensure that your efforts are successful. By following these guidelines and communicating with your customers, you can improve your cash flow and strengthen your relationships with your customers.

Our Bacs Approved training courses will ensure you’re confident and compliant when re-presenting Direct Debits. Find out more today.

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Why lotteries are a great way for hospices to raise money: 5 reasons

July 29, 2024
Providing quality hospice care requires money – lots of it. There are many ways to raise funds, but hospice lotteries stand out as a simple and effective solution. Lotteries offer an almost effortless way to secure regular income, which every hospice needs to provide the care they're passionate about. Let's look at the top reasons why your organisation should consider hospice lotteries when raising funds: 1. Build a steady income Donations can be an irregular source of income. While some donors give consistently, for others it may be more sporadic or in response to appeals. In this case, the only way to boost revenue is to wait for donations or run campaigns to encourage people to give. While donations may fluctuate, hospice lotteries can be more reliable. Well-advertised lotteries offering great prizes can raise a substantial amount of money. Additionally, lotteries where players can enter multiple draws with a recurring fee encourage regular participation. Use your lottery to create a reliable monthly income that enables you to provide quality care all year round. 2. Create an invested community Encouraging regular donations can be challenging. To inspire consistent giving, you need to raise awareness and build a community of donors who are as passionate as you. Hospice lotteries with great prizes can help you reach people who haven’t heard of your hospice. They provide an opportunity to promote your organisation and share the work you do. Passion is contagious; show people how passionate you are about quality hospice care to inspire them to support your organisation regularly. 3. Boost income to cover daily expenses Giving patients and their loved ones the care they deserve is not cheap. You need to hire specialists such as nurses, therapists, and grief counsellors and provide medication and meals. Hospice lotteries offer a hassle-free way to grow your income and cover your daily expenses. Because the cost of running a lottery is low, you can get a good return on investment and enough money to boost your income. Once set up, you can earn extra money with little effort. 4. Easy to set up and get started Because patient care is your focus, you need a quick and easy way to raise funds. Traditional fundraising methods, such as events and phone donation appeals, require time, hard work, and a big budget. Unlike traditional methods, hospice lotteries are a simple fundraising solution. You don't need much time or money to run a lottery. Additionally, it's easy for participants to sign up and play, meaning they don't need much convincing to participate. 5. Easy to get paid Money is what every hospice needs to give patients better care. The easier it is to collect money from lotteries, the sooner you can get the funds you need – and you can spend less time chasing payments and more time looking after those in your care. Hospices can use paperless Direct Debit to simplify payments. Players can set up automatic payments, and you can get paid on time – no follow up required. To save more time and resources, your organisation can use a Bacs approved bureau service , a solution where payments are managed for you, to make collection even easier. Provide the care you’re passionate about with hospice lotteries Make good patient care your focus with hospice lotteries – an easy way to bring in a reliable income, raise awareness, make extra money, and get paid. If you're eager to start but need guidance, visit the ClearDebit stand at the Hospice Lotteries Association (HLA) Conference 2024 at the Eastwood Hall in Nottingham from 10-12 September. Our team will be available to chat with you about ClearDebit's Direct Debit solutions and share how they make collecting lottery payments a breeze.

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February 6, 2024
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