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    OCCTATelecom That Gets It

    The Direct Debit Guarantee

    The scheme is administered by Bacs and every UK bank signs up to it. Here's what it actually guarantees.

    The short answer

    The Direct Debit Guarantee is a legally-backed protection: if any Direct Debit is taken in error, your bank must give you an immediate refund. It's the strongest consumer protection on any UK payment method.

    01

    The four guarantees

    1. Advance notice of every collection (amount, date). 2. Advance notice of any change to that amount or date. 3. Immediate refund from your bank if there's an error. 4. You can cancel at any time.

    02

    How to claim a refund

    Contact your bank — not the company. They must refund the disputed DD immediately. The company then has to sort out the underlying issue with you.

    03

    What OCCTA does

    We email you a confirmation of every DD collection (date + amount) at least 3 working days in advance. If any details change, we give at least 10 working days' notice.

    02Questions

    FAQs

    It's a scheme rule enforced by Bacs and every UK bank.

    No — your bank refunds first and asks questions later. Fraud claims may be reversed on later investigation but the initial refund is immediate.

    It covers incorrect collections. If you cancel a service but still get charged, contact us to fix the underlying issue; use the DD Guarantee at your bank if we can't resolve it quickly.
    03Your move

    Next step

    Find out what's available at your address, or talk to a human about your setup.

    0800 260 6626 hello@occta.co.uk
    Check availability Check Availability
    04Keep reading

    Related pages

    1. 01Direct Debit explained
    2. 02Paying your bill
    3. 03Set up Direct Debit
    4. 04Check availability at your addressFree postcode check — no signup needed.