Direct debits FAQs

All the information you need about Direct Debits with Landmark mortgages.

How do I Set up a Direct Debit?

To set up a Direct debit you can either:

  • Call 0330 159 7152*. You will need your Bank account number, sort code and name as it appears on your bank account.
  • Or download a mandate form and send to the address on the form.

Please allow at least 10 working days for your Direct Debit to be set up.

Please Note: 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.

Can I change the bank account my Direct Debit comes out of?

Yes, please follow the same process for 'How do I set up a Direct Debit?'

Can I change the day my Direct Debit payment is made?

Yes, please call 0330 159 7152* and we will guide you through the process.

Please call at least 2 working days after your last payment and allow at least 10 working days for your new Direct Debit to be set up.

Please Note: 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.

What will happen if my Direct Debit due date falls on a weekend/bank holiday?
  • The Direct Debit will automatically collect on the next working day.
  • If your due date is the last day of the month (i.e. 28, 29, 30 or 31st) and the month has less than those days it will automatically collect on the next available working day.

This will have no impact on your credit file.

Can I specify the amount taken by Direct Debit?

Yes, as long as it is your full monthly mortgage amount or more.

Can someone else set up my Direct Debit for me?

No, we can only set up a Direct Debit with the mortgage account holder.

Can I cancel my Direct Debit?
  • You can cancel your Direct Debit at any time, please allow up to 5 working days for your Direct Debit to cancel.
  • You can also cancel your Direct Debit with your bank, please allow 1 working day for your Direct Debit to cancel.
Why have you cancelled my Direct Debit?

If your Direct Debit has failed to collect for two consecutive months due to insufficient funds we will cancel your Direct Debit in order to ensure you do not incur any unnecessary fees. We will try to contact you to establish the best method of payment for you.

My Direct Debit was cancelled, can I reset it?
  • Yes, if it is has been cancelled within the last two months, please allow at least 10 working days for your Direct Debit to be reinstated.
  • If it has been longer than two months since you had a Direct Debit in place please follow the same process for 'How do I set up a Direct Debit?'
My Direct Debit has failed, what happens next?
  • You will receive a charge of £6.50
  • The Direct Debit will usually try to collect again 7 working days later – You will not be charged another fee if this second collection also fails.

    Can I stop this collection?
    • Yes, you can choose to cancel your Direct Debit either with your bank (up to 1 working day before the collection is due) or us (up to 4 working days before the second collection is due), call 0330 159 7152* to cancel your direct debit and arrange to pay another way.

    Does it matter if the second collection falls in the next month?
    • Yes, this may affect your credit file (and your eligibility for a payment holiday) call 0330 159 7152* to cancel your Direct Debit and arrange to pay another way. We can reinstate your direct debit at a later date. Please see 'My Direct Debit was cancelled, can I reset it?'
I’m leaving/redeeming, should I cancel my Direct Debit?
  • We recommend you cancel your Direct Debit as soon as you have paid money into your account to redeem your mortgage.
  • If a Direct Debit 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.
Does my Direct Debit change every time my monthly mortgage amount changes?

Yes, your monthly mortgage amount will automatically change. For example, if you make overpayments or the Bank of England interest rate rises. We will always contact you at least 10 working days beforehand to advise of any changes to your Direct Debit. You do not have to contact us.

Does the Direct Debit need to be in my name?
  • We are unable to set up a Direct Debit in a name that does not appear on the mortgage.
  • At least one mortgage holder name needs to appear on the bank account, this includes joint accounts/trading accounts.
Can Direct Debits be paid from accounts outside the UK?

No, Direct Debits can only be set up from a UK bank or building society account.

My Direct Debit has collected in error, what should I do?
  • All Direct Debits are covered by a guarantee. You can contact your bank, fill in a direct debit indemnity claim and claim an immediate refund.
  • Or, we can request a refund for you. Call 0330 159 7152* please allow 10 working days for a refund.