Bankers confirmed that the return of the "direct debit" to the customer negatively affects his credit report and reduces his evaluation number, which means that he can not take bank financing, explaining that the return of the "direct debit" is equivalent to the effect of returning the checks monthly installments and should not be underestimated, Demanding that customers ensure that there is sufficient balance in their accounts before the date of the "direct debit" at least two days, in anticipation of the existence of leave on the maturity of the installment, as some banks are collecting before the date.

For their part, traders said: "They have had difficulty accessing banking products and products because their credit report included a return (direct debit), which means a lower credit rating."

«Direct Debit»

"The return (direct debit) of a premium due to finance a car from a bank other than the bank to collect the salary caused it to be unable to take the credit card it needed," said the trader, Mohammed S, Direct debit »returned three times sporadically over a period of one and a half years, however the bank refused on the grounds that its evaluation number is low. "He was surprised by the refusal to apply for a personal loan from the bank to pay the salary due to the return of the (direct debit) five times over two years," said the trader, adding that "he has no obligations in other banks and the salary of 25,000 dirhams." In the same context, the client said that the "direct debit" returned two months while moving to a new job, and although the balance of the account exceeded 100 thousand dirhams, the bank has fully booked it because of another loan on it, "noting that it I asked for re-scheduling and rejection by the bank because of the credit report that showed the return of the "direct debit".

Power check

On the other hand, said the sales manager at an Islamic bank, Salam Ibrahim, that «banks are considered (direct debit) the strength of the check, and this fact, as it actually replaced the checks written by the customer for monthly installments», explaining that the return of the "direct discount" Immediately in the customer's credit report and adversely affect its assessment. If it continues for three consecutive months or five consecutive months, the customer has only to wait at least one year in some banks, with full commitment to pay its installments on time, Credit.

For his part, said the banker, Ahmed Ibrahim, that «the central bank issued a system (direct debit) to be in place of the use of checks, so traders should deal with him as a check has the same strength and influence», explaining that the client, The banks' risk departments consider him a client who is not worthy of taking funds because he is unable to pay his dues. "

He said that the return of the "direct debit" is a negative impact on the valuation of the bank. Customer at Union Credit Information Company. "The client's credit report shows all the liabilities, maturity dates and the value of each installment, as well as arrears," she said. "Most direct debit customers have funds from banks other than the remittance bank," she said. , So the client should be careful to leave a sufficient amount in his account and not delay payment, because the banks treated the return of the "direct debit" as a return check, and this appears in the update data for each customer at the Union of Credit Information.

Safe way

According to previous statements by the Central Bank, Al-Emarat Al-Youm said that the "direct debit" is a safe and appropriate method of payment. It is designed primarily for periodic payments made in fixed or variable amounts. The service provider calculates the agreement with the customer, For the Direct Debit Authority (DDA). The payments are then automatically processed through the customer's account referred to in the Debit authorization. He explained that the use of the system of "direct debit" is mandatory, to collect all loans and financing provided by banks and financing companies in the state, by demanding the value of monthly installments directly through the application of the «direct debit».