ARUDD (Automated Return of Unpaid Direct Debit) reports detail any Direct Debit not paid by the Paying Payment Service Provider (PSP). A Direct Debit may be returned unpaid for a variety of reasons. These, together with reason codes can be found below.
These reports are generated up to 2 working days after the collection date and are made available upon receipt.
ARUDD Reason Codes and their meanings:
| Code | Reason | Circumstances | Special instruction |
| 0 | Refer to payer | The paying PSP is not in a position to pay the Direct Debit; (for some reason other than the exception below). OR The service of a Garnishee Order or Arrestment on the payer’s account, his bankruptcy, liquidation or appointment of receiver | Service user may represent up to one month from original processing day – it is recommended that the payer is notified of this 5 working days in advance of the representation. Service user will need to establish from the payer the reason for non-payment and likelihood of payment upon representation. |
| 1 | Instruction cancelled | Instruction cancelled by payer or his bank | Service user must liaise with payer to agree the payment method for collection of any outstanding funds |
| 2 | Payer deceased | Payer deceased | |
| 3 | Account transferred | Account transferred to a new bank or building society | First check you have not been notified of the new bank details, if not you must obtain a new DDI from the payer. Collection must be suspended until a new DD set up and advance notice is issued to the payer |
| 4 | Advance notice disputed | Payer disputes time, amount or frequency of advance notice and has requested single payment to be countermanded | Service user should not collect further Direct Debits until it has resolved the dispute with the payer |
| 5 | No account (OR wrong account type) | Account Number is not recognised at the paying bank | Service user should check DDI information and/or liaise with payer |
| 6 | No Instruction | No Instruction held with paying PSP | Service user should check DDI information and/or liaise with payer and if appropriate obtain new Instruction |
| 7 | Amount differs | Payer states the amount of the Direct Debit differs from the amount in the advance notice to payer | Service user should not collect further Direct Debits until it has resolved the dispute with the payer |
| 8 | Amount not yet due | Payer states date of debiting is in advance of the due date specified in the advance notice to the payer. AUDDIS service users only – It is less than 2 working days since the DDI was lodged | Service user should not collect further Direct Debits until it has resolved the dispute with the payer |
| A | Service user differs | Identity of service user differs from DDI | |
| B | Account closed | Payer has closed their account for an unknown reason | If the Direct Debit is to continue the service user must obtain a new DDI for a different/new account |
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