Why hasn’t my direct debit been taken?

If your direct debit hasn’t been taken on the due date for your monthly instalment, there  may be a few reasons behind it.

If you’re in your first year of insurance, you may be charged 10 or 11 monthly instalments rather than 12 – so if you’re towards the end of your policy, it may be that you’ve paid all your instalments already and no more will be taken. Please check your welcome email from us if you’re not sure how many instalments you’ll be paying.

Alternatively, it may be a problem with your bank if payment hasn’t been taken. Make sure that you have the right amount of funds in your account, as the direct debit may fail if there isn’t enough money in the account – if this happens, you can make a payment for the missed direct debit with your credit provider.

You can call Close Brothers on 0333 321 8566. Open 9am – 5:30pm Monday to Friday, (Closed Saturday and Sunday) or visit their online portal. Please note, Close Brothers reserve the right to charge a fee of up to £30 for any unsuccessful collection of a monthly instalment.

If you do have sufficient funds in your bank account and your payment still hasn’t been taken, contact your bank to find out if there has been an issue.


What happens if I continue to miss payments?

If you continually miss direct debit payments, your debt may be passed onto a debt collection agency. Should this happen, your credit score may be affected which may affect your ability to take out loans or other financial services in the future.

If you miss direct debits for your insurance, your policy may also be cancelled and you may be charged a cancellation administration fee as well as proportional premium for your time on cover. You will also lose any No Claim Discount you may have built up during your Darwin policy.

This is why it’s important to make sure your direct debit is coming out correctly and contact us if there is a problem, so that any further issues with your policy or payment can be avoided where possible.


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