The entity reminds Spaniards of their rights against large companies
A very common practice in Spain is to make bill payments through direct debit that requests the user’s request from the different financial institution. This occurs, above all, with the payment of some basic household supplies such as electricity and water.
In this sense, The Bank of Spain remembers that the Spanish They have the right to promptly return any of these receipts if they consider it appropriate.
Now, carrying out this action can have serious consequences for the user, since if the reasons are not well explained to the entities, there is a risk that the electricity companies, water or telephone consider that services are being renounced and decide to cut off the supply.
Besides, If the invoice is returned to a public body, the consequences They may be the loss of some type of subsidy that we are receiving or surcharges being applied.
Just like explained from the Bank of Spaintwo requirements must be met to request the return of a receipt, provided that it has been previously authorized: the first of them is that the user does not have information about the charge made and the second is that after several payments of an amount that is higher than usual a receipt is not available.
To avoid consequences of the return of the receipt occur, the Bank of Spain reminds that the reason for the return is clearly indicated. “The payment services regulations contemplate the client’s right to order the return of receipts or direct debits that the entity has to attend to,” the public entity explains.
According to the regulations, the deadlines for return of receipts by users is between eight weeks and thirteen months, always depending on whether the charges that have been made had prior authorization. Furthermore, if it is not authorized, the bank has 10 business days to return the amount collected or otherwise justify its receipt.