Did you have a return debit in the account? Find out the most common reasons and how you can avoid fees and trouble.
Who has already come to a return debit knows how annoying it is. Because such a failed debit is always associated with effort and costs. Both the bank and the company collect variable processing fees for a return debit.
But a return debit is not only annoying for payers, the payee also has additional effort.
In order to avoid returns, you should therefore know the reasons for a failed debit.
You can find detailed information on returns and an example in this article:
1. Reasons for a return debit: Insufficient account coverage
The most common reason for a return debit is insufficient account coverage. The amount of money could therefore not be debited because there is not enough money in the account. This can be avoided with a forward -looking account management and a list of all upcoming debit.
Tipp:You may be able to arrange a overdraft facility with your bank. The possible height and conditions vary depending on the credit institution.
2. Reasons for a return debit:Objection of the account holder
The account holder can also object to the debit because he or she has not authorized the debit or does not agree (e.g. in the event of unjustified debit).
3. Reasons for a return debit:Wrong account details
Another reason are false account details. This happens when an IBAN has been misrepresented.
4. Reasons for a return debit:Account expired
It may also be that the account no longer exists, for example because the account holder has died or the account was dissolved.
5. Reasons for a return debit:TechnicalProblems
Last but not least, there can of course also be technical reasons behind a return debit. However, this can also be clarified by calling his personal bank advisor.
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