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Payment problems and errors

We can help with your complaint about direct debit payments, payment fees, and payments that are missing or applied incorrectly. To resolve your complaint, we consider the law, good industry practice and fairness.

Types of complaints about payments

We deal with complaints about payments such as:

  • direct debits taken without notice or authorisation, on the wrong date, or for the wrong amount
  • providers trying repeatedly to take a direct debit after the first attempt fails
  • payments that are missing or applied incorrectly
  • providers charging a fee for certain ways of paying bills.

What you should expect from your provider: the law and industry practice

You have a right to check and cancel direct debits

Usually, providers must give you a bill listing your charges at least 10 business days before taking a direct debit from your account. They must make sure you can check that your direct debit arrangements match what you agreed to, and that you can easily cancel a direct debit.

There should be at least one free way to pay

Before you agree to a service, providers must give you clear information about how you can pay, and whether there are any fees for paying in certain ways. They must offer at least one free payment method. 

You can’t be charged a late payment fee if you pay on time 

If you pay on or before the due date, the payment must be visible in your provider’s system within two business days and applied to your account within five business days. Providers can’t charge you a late payment fee if you made the payment on or before the due date.

Has your question been answered? Find out more about complaints about charges and how we handle them in our position statement on charges.

Here's how other cases were managed

A small business moved premises and their service provider didn't transfer their phone number to the new address.
The service provider paid the small business $16,165 in compensation.
Consumers signed a "no-lock in contract" and then were charged for the devices upon leaving the contract. They were not advised that payment for the device could not continue as separate from the service contract.
Consumers were allowed to continue to pay off the devices, and marketing materials for the plans was amended.

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This page was last updated on
04th Jun 2019
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