In Spain, it is common for citizens to manage the payment of their bills through the bank. automatic payment system, ask your bank for authorization for this. This method is often used to pay bills for basic services such as electricity and water.
The Bank of Spain emphasizes that Spanish consumers have the right to refuse the collection of these direct debit invoices if they deem it necessary.
However, this decision is not incomplete significant risks. If the consumer does not adequately convey his reasons to the relevant institutions, serious complications. For example, supplier companies services such as electricwater or telephone may interpret this action as abandoning their services and may interrupt their services.
Additionally, in the event of a refund of payments made to government agencies, the repercussions may include the loss of grants received or the imposition of additional fees.
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 this has been previously authorized:
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The user has no information about the payment made
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No receipt available after several payments of a larger amount than usual.
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.