ARUDD stands for Automated Return of Unpaid Direct Debit and gives details on why any Direct Debits are returned unpaid.
Unpaid Direct Debit Reason Code 1 (or a’F21′), means ‘Instruction Cancelled’.
The Direct Debit Instruction (DDI) has been cancelled by the payer or bank.
As the Instruction is cancelled, you will need to speak to your payer to agree the payment method and if appropriate obtain another DDI.
We’ve found that this is the most common unpaid code. Together with ‘Refer to Payer’, these two will probably make up 90-95% of your unpaid items received from Bacs.
The reason for it appearing in the ‘Unpaid’ report is due to the point at which the Direct Debit was in during the processing cycle, when the instruction was cancelled. There is an F31 Cancellation Reason Code that appears in your Cancellation reports and which should be treated the same, however this would have been triggered at a different point to the F21 Unpaid Reason Code.
Yes, but you’ll need to have a new Instruction from the payer.
Yes. As the original Instruction is cancelled, a new Auddis must be submitted.
Yes. As long as this is unique to the Direct Debit, you don’t need to submit a different URN.
Take a look at the Direct Debit Service User Guide and Rules for a full list and definitions.
