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Shield Mercantile

Telephone Direct Debit

Telephone Direct Debit Request Service Agreement

(For Direct Debit Requests made by telephone)

These terms and conditions constitute your Telephone Direct Debit Request Service Agreement with Shield Mercantile Pty Ltd (“we”/”us”/”our”). Please keep this document for your records.

  1. We will keep all information pertaining to your nominated account at your nominated financial institution (“nominated account”) private and confidential. Information can be provided to us or your financial institution to resolve a dispute on your behalf.
  2. We will initiate debits to your nominated account in accordance with the instructions we have received from you. We will confirm the frequency, date and amount of the direct debit with you in writing.
  3. Deductions from your nominated account made under the authority of this Direct Debit Request will appear as payments to your Account.
  4. It is your responsibility as an account holder to ensure that:
    1. sufficient cleared funds are available in your nominated account for the direct debit requested.
    2. the account you nominate permits direct debiting.
    3. the authorisation given to draw on the nominated account is identical to the account signing instruction held by the financial institution where the account is based.
    4. you notify us if the nominated account is transferred or closed.
    5. you make the required payment by an alternative method if the direct debit arrangements are cancelled either by you or us.
  5. All disputes or cancellations should be directed to us or your financial institution.
  6. As an account holder you can:
    1. dispute any direct debit at any time by contacting us or your financial institution.
    2. request us to alter the direct debit arrangements (frequency, date and amount) at any time, by notifying us in writing not less than seven days before the next scheduled debit drawing.
    3. terminate the deductions from your nominated account by notifying us in writing not less than seven days before the next scheduled debit drawing or by contacting your financial institution.
  7. A dishonour fee may be charged to your Account by your bank if any direct debit payment from your nominated account is dishonoured. You can avoid the dishonour fee by making sure your nominated account has sufficient funds to cover the withdrawal.
  8. We will give at least 14 days’ written notice should we vary this service agreement or the deduction amount.
  9. We may at our sole discretion terminate your service, either permanently or for a specified period of time. We will give you at least 14 days’ written notice should we do this.

How can we help?

The team at Shield Mercantile are here to assist you. Falling behind on your payments can happen to anyone and we are dedicated to helping our customers get on top of their overdue accounts.

Make contact with us as soon as you can. You can do this by email or over the phone. The sooner we understand your individual circumstances, the sooner we can put a plan in place to help reduce your debt.

If your experiencing financial hardship please read here.

You can contact Shield by phone on 02 9687 6111 or by email shieldmercantile@shieldmerc.com.au

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  • Commercial Agents and Private Inquiry Agents (CAPI) License 409402582
  • Quality endorsed under AS/NZS ISO 9001:2008
  • Australian Credit License 392327

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Shield Mercantile acknowledges and pays respect to the past, present and future Traditional Custodians and Elders of this nation and the continuation of cultural, spiritual and educational practices of Aboriginal and Torres Strait Islander peoples.

© 2021 Shield Mercantile Pty Ltd.

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