Direct Debits
An Unpaid/Returned Direct Debit fee will be applied to your account. The current fee amount is shown in our Tariff of Mortgage Charges.
You’ll need to arrange to make the missed payment another way. Give us a call on 03330 148 048 to arrange to pay another way.
We’ll try to collect your Direct Debit the next month and if this fails again then we’ll cancel your Direct Debit to make sure you don’t get charged further fees.
We’ll cancel the Direct Debit once the account’s been fully repaid. If you cancel your Direct Debit before the account is fully repaid then another payment may be needed.
If a Direct Debit payment is received after a mortgage has redeemed, a refund will be made directly back to the bank account it came from within 10 working days.
Yes, we’ll automatically update your payment amount each time your payment changes. We’ll write to you at least 10 working days beforehand to advise of any changes to your Direct Debit. You do not have to contact us.
We’re unable to set up a Direct Debit in a name that doesn’t appear on the mortgage. At least one mortgage holder name needs to appear on the bank account, this includes joint accounts.
No. Direct Debits can only be set up from a UK Bank or Building Society account.
All Direct Debits are covered by a guarantee. You can contact your bank or building society, complete a Direct Debit indemnity claim form and claim an immediate refund or we can request a refund for you. Call our Customer Services team on 01252 812 271 (Option 6). You should allow 10 working days for a refund.
Yes, please follow the same process for ‘How do I set up a Direct Debit?’ below.
To set up a Direct debit you can either:
- Call our Customer Services team on 01252 812 271 (Option 6) and we can do it over the phone. All you need is your sort code, account number and the authority to set up payments from the account.
- Request we post a copy to you to complete and return to us at: CHL Mortgages, Admiral House, Harlington Way, Fleet, GU51 4YA.
Please allow at least 10 working days for your Direct Debit to be set up. If your monthly due date has passed or there are less than 10 working days left in the month, your Direct Debit will be set up for the following month and you will need to arrange to pay another way for the current month.
Yes. Call our Customer Services team on 01252 812 271 (Option 6) and we will guide you through the process.
Yes, as long as the amount is your monthly payment or more. If it’s more, we may need some information about where the funds are coming from.
No. We can only set up the Direct Debit with the bank account holder.
Yes. You can cancel your Direct Debit at any time by calling us on 03330 148 048, please allow up to five working days for your Direct Debit to cancel. You can also cancel your Direct Debit with your bank.
Please make sure you’ve arranged another way to make your mortgage payment.
If your bank rejects your Direct Debit twice in a row, we’ll cancel your Direct Debit. This is to help you avoid incurring any unnecessary fees. We’ll write to you to let you know.
Payments / Overpayments
To set up a Direct debit you can either:
- Call our Customer Services team on 01252 812 271 (Option 6) and we can do it over the phone. All you need is your sort code, account number and the authority to set up payments from the account.
- Request we post a copy to you to complete and return to us at: CHL Mortgages, Admiral House, Harlington Way, Fleet, GU51 4YA.
Please allow at least 10 working days for your Direct Debit to be set up. If your monthly due date has passed or there are less than 10 working days left in the month, your Direct Debit will be set up for the following month and you will need to arrange to pay another way for the current month.