individual/juridical person that enters into a Direct Debiting Authorization
will be automatically debited from their "cuenta cliente" (CC) the
amount they have authorized for the service/item indicated in said
debiting an amount from an account, the financial entity must ensure that the
amount to be collected is the one authorized by its client. However, while it
is not very likely, there may be cases where a creditor may double the amount
collected, or collect an amount in excess of the one authorized, or collect an amount for a service/item not
authorized, or the payer’s financial entity may collect an unauthorized
payment altogether. In these cases, according to current regulations the
affected client is entitled to claim a reimbursement.
amount claimed to be reimbursed will be handled as a reversed charge. In
other words, a characteristic of the debiting authorization is that it
includes the possibility of reversing the transaction in case of claims.
Otherwise, no claim may be filed.
validated, the claim process means that the money will be debited from the
account of the client making the undue or unauthorized collection under
normal operation conditions. The money should be credited to the account of
the affected client, no later than at 12.00 noon of the working day after the
claim was filed.