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How to reduce your Direct Debit indemnity claims


​Last year we invited a number of service users to take part in our Direct Debit indemnity claim (DDIC) research. We conducted telephone calls, held face-to-face workshops and offered an online survey, and had a great response from numerous organisations allowing us to analyse the business practices of around 5,000 service users numbers (SUNs) and to compare a wide range of service user practices against the DDIC reason codes. 

If your organisation was one of those taking part in our research then we’d really like to thank you for participating. Download our research findings.

One of the key outcomes of our findings was the identification of four service user behaviours which correlate with lower levels of DDICs. You can find out more about these four behaviours and download our DDIC best practice fact sheet​.

We have also revised the Little Bacs Guide to Minimising Direct Debit Indemnity Claims developed for service users to aid understanding of when indemnity claims can occur, when they can be challenged or counter claimed, and how the chance of receiving them might be reduced. 

Some areas of the Bacs website are password protected and contain information that is only available to ​eligible registered users. If you haven’t registered for your password do so now​.​