A very common practice in Spain to pay bills via direct debit Requesting the user’s request to different financial institution. This happens, first of all, by making some payment. Basic household needs such as electricity and water.
In this sense, Bank of Spain remember this The Spaniards have the right to immediately return any of these receipts. if they deem it appropriate.
However, doing this may have serious consequences for the user, because if the reasons are not explained well to the institutions, There is a risk that electricity, water or telephone companies may think that services have been abandoned and decide to cut off the supply.
On the other hand, if the invoice is returned to a public authority, the consequences may be the loss of some type of subsidy we received or additional fees applied.
Requirements to request a refund of the receipt
As the Bank of Spain announced, we have to comply with this. Two conditions to request the return of the receipt:Provided that authorization has been given before: The first of these is that the user is not aware of the charge made, and the second is that the receipt cannot be obtained after multiple payments of an unusually high amount.
To prevent it from occurring consequences of returning the receiptThe Bank of Spain reminds us that: Clearly state the reason for the return. “Payment services regulations provide for the customer’s right to request the return of receipts or direct debits that the organization has to deal with,” the utility explains.
According to the regulations, Deadlines for returning invoices by users are between eight weeks and thirteen months., always depends on whether the payments made have been pre-authorized. Additionally, if permission is not given; HE bank You have 10 business days to refund the amount received or justify its receipt in another situation.