All Irish Water customers who paid their recent bills by Direct Debit are entitled to reclaim the monies from their bank account.
According to the Banking Payments Federation Ireland website and the SEPA scheme documentation, banks are obliged to refund monies collected by Direct Debit provided the claim for such refund is made within eight weeks of the Direct Debit being collected.
A customer would need to demand the refund through their own bank and the bank is obliged to refund the money with no questions asked. See below extract from the Banking & Payments Federation of Ireland Website.
The SEPA Direct Debit Core Scheme Rules and the SEPA Regulation 260-2012 make provisions for the following consumer rights, effective 1 Feb 2014:
- Use a single account to pay a SEPA Direct Debit in any SEPA country
- Instruct their bank to refuse a SEPA Direct Debit
- Prohibit the application of any SEPA Direct Debit to their bank accounts
- Specify creditors who may collect SEPA Direct Debits from their bank accounts
- Specify creditors who may not collect SEPA Direct Debits from their bank accounts
- Limit a SEPA Direct Debit collection to a certain amount and/or period
- Request a refund for any SEPA Direct Debit within eight weeks from the date on which the SEPA Direct Debit was debited from their account. Within the eight week period their bank must refund on a ‘no-questions asked’ basis.
- Request a refund for any unauthorised SEPA Direct Debit after 8 weeks and within 13 months from the date on which the SEPA Direct Debit was debited from their account.
Also clearly stated on the Irish Water Direct Debit Mandate form: