Continuous Payment Authority

      

         

What is a Continuous Payment Authority (CPA)?

A continuous payment authority (CPA) means that you give permission for us to take automatic recurring payments from your debit card of an agreed amount on an agreed frequency until your balance is cleared, your debit card expires or your CPA is cancelled.

Why do we propose this method?

A CPA using a debit card is convenient for you as you will not need to contact us to make an instalment payment every time it becomes due.

Alternative payment options

If you do not wish to choose a CPA other payment methods are available, details of which can be found on our How to Pay page.

The Terms

  • When agreeing a CPA by debit card with you, you may choose the most appropriate payment date and we will agree the regular instalment amount and how regularly payments will be taken.
  • By giving us your card details you authorise us to take the agreed instalments automatically using your debit card.
  • We will confirm the terms of the arrangement to you in writing.
  • We will not attempt to take the payment before the date agreed and we will make a collection attempt on that date (or on the next business day if the day falls on a bank holiday or Sunday).
  • We will not take a payment amount that is different to the agreed instalment amount unless it is the final payment and the remaining balance on the account is less than the instalment amount.
  • If the payment is declined, we will attempt to contact you to establish the reason for this. If we cannot contact you, we will make a further collection attempt later the same day and/or on the next business day.
  • If we do not receive this payment or contact from you, we will attempt to take your next instalment as agreed but your payment plan will remain in arrears. If this payment fails, we will again make a further collection attempt later the same day and/or on the next business day.
  • If the payment continues to be declined your payment arrangement will be cancelled, and we will continue with further activity until a new payment arrangement is agreed.
  • We will not apply any default fees or charges if your payment is declined but we may continue to contact you about your debt if we cannot agree an alternative payment arrangement.

Your right to vary or cancel

You can change terms of the continuous payment arrangement at any time by calling us, or you may cancel the arrangement by calling us or your card provider.