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Bacs confirms DDICA has been completed successfully

It has been reported by Bacs this week that the DDICA (Direct Debit Indemnity Claim Automation) migration has been successfully completed and all banks are now submitting all new indemnity claims via the automated process.

Rapidata has setup all clients with an automated report detailing all indemnity claims received, which will be available on our secure FTP. For most of our clients you will not receive an Indemnity Report very often, as this will only be generated if a claim has been made against your Service User Number. Should you wish to alter the format or schedule of the export, please do not hesitate to contact us.

We have been advised that there are a small number of exceptions that will still generate paper reports however if Rapidata receives these, they will be sent in the normal way and also detailed in the Indemnity Report sent to you.

Instances where indemnity claims will continue to be paper based:

  • Indemnity claims for consequential loss (because of the need for supporting justification)
  • Indemnity claims of £100,000 or more
  • Indemnity claims where the service user number (SUN) is no longer recorded on the DDO

There are instances where you can raise a challenge against an Indemnity Claim and these are detailed below:

The ONLY instances when an indemnity claim may be challenged:

  • Where an indemnity claim has been directed to the wrong service user
  • Where an indemnity claim has been submitted more than once
  • Where the core/collection reference has not been included or is incorrect
  • Where the amount of an indemnity claim is not the same as the value of the payments collected from the paying customer’s account on the dates stated

Challenges made for any other reason will be rejected.


If you have any questions regarding the Direct Debit Indemnity Claim process or how Rapidata is notifying you of these, please do not hesitate to contact us on 01293 524066.

Useful Link:
Service User’s Guide and Rules to the Direct Debit Scheme

Posted by Scott Gray on 06/05/2011 within Bacs, Direct Debit, News
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