Direct Debit- An easier way to pay your rent
One of the ways that we can collect your rent is by Direct Debit. To explain how you can take advantage of this service, we have set out some questions and answers below which we hope will help you decide if Direct Debit is for you. It takes around 2 weeks for each new Direct Debit to be set up, so if you decide to change to this method of payment, please contact us as soon as you can.n
What is Direct Debit?
Direct Debit is a popular and widely used way to pay on-going commitments such as rent, fuel bills and so on. It allows payments to be deducted from your bank account and sent direct to the organization you want to pay.
How does a Direct Debit work?
You sign a mandate giving permission for your bank to debit payments from your account, and transfer them to us at Bridgewater Housing Association. Payments are collected on a monthly basis.
How do I set up a Direct Debit?
You simply ask us to give you a Direct Debit Mandate, which you then sign and return to us. We do the rest. Please remember to include your tenant number which can be found on your rent increase letter. The Direct Debit payment scheme is operated by an external company, allpay.net Limited, on our behalf. You will receive a letter from them advising you when the Direct Debit will start, and how much your payments will be. In the meantime, you should continue to pay your rent in the normal way.
What date should the direct debit be paid on?
Your rent charge is debited to your account on the 29th of each month. You should arrange for your direct debit to be paid to us as close to this date as possible to prevent you from falling into arrears. If you are unable to set up a direct debit around this date, please contact your Housing Officer to arrange alternative payment dates.
What if the amount I have to pay changes?
Direct Debits automatically change the amount being collected if your rent increases or decreases. There is no need for you to advise your bank as you would do with Standing Orders. We will recalculate the payment and notify you of the new amounts before they are collected. However, you should remember that you are always in control of your money.
Is there a charge for collecting payments this way?
No. All of the costs of collecting these payments are met by Bridgewater Housing Association.
Who will collect the payments?
Allpay.net will collect your payments. It will be their name that appears on your bank statements. All rent collected is paid over to Bridgewater Housing Association and will show on your rent account the following day.
What is the Direct Debit Guarantee?
All Banks and Building Societies taking part in the Direct Debit Scheme offer the guarantee. The efficiency and security of the Schemes monitored are protected by your own Bank and Building Society.
If the amount to be paid or the payment dates change, allpay.net will notify you 10 working days in advance of your account being debited or as otherwise agreed.
If an error is made by allpay.net Limited or your Bank or Building Society, you are guaranteed a full and immediate refund from your Branch of the amount paid.
You can cancel a Direct Debit at any time by writing to your Bank or Building Society. Please also send a copy of the letter to us.
What if I pay by Standing Order?
If you currently pay your rent by Standing Order and want to change to Direct Debit, you will need to cancel your current Standing Order with your Bank or Building Society. You should only do this when you receive your letter confirming that your Direct Debit payment has been set up.
What do I do if I get Housing Benefit?
There is no need to do anything. We will continue to receive Housing Benefit payments on your behalf from the Council.
If you get partial Housing Benefit and have something to pay every month, then you might want to consider whether Direct Debit would suit you.
Paying your rent by telephone
You can pay your rent by telephone through Allpay. Interactive Voice Response or IVR is an automated computerized system that allows you to make rent payments, by telephone 24 hours per day, 7 days a week.
Any other questions?
We hope that we have answered any queries you may have, however if you wish to receive any further information please contact us:
By ‘phone: 0141 812 2237
During office hours:
Bridgewater Housing Association Ltd