The article discusses the advantages and disadvantages of direct debit as a payment method for the consumer. The advantages include the safeguard regarding payment deadlines and better financial management, since the service provider can collect the money on the agreed date. The disadvantages arise mainly when amounts higher than usual are withdrawn or when operation failures occur.
To avoid problems, the consumer should regularly monitor account movements and check the list of active direct debit authorizations. This can be done through the internet, at the ATM (option "queries" and "direct debit authorizations") or in person at the bank counter.
In case of irregularities, there are specific deadlines and procedures. If the direct debit is from an unauthorized entity, the consumer should contact the bank immediately within 13 months, being entitled to a refund of the amount. If the direct debit was authorized but with an incorrect amount, the complaint must be made directly to the service provider within 8 weeks, demanding a refund or adjustment on the next invoice. The consumer can also set a maximum limit for amounts to be debited by each entity as a security measure.
The article informs that it is possible to deactivate a direct debit authorization through the ATM or via the internet, changing the status to "inactive". This information is shared by DECO MADEIRA, a consumer protection organization, which provides its contact details to support readers.
