This is your Direct Debit Service Agreement with the Debit User. It explains what your obligations are when undertaking a Direct Debit arrangement with us. It also details what our obligations are to you as your Direct Debit provider.
Please keep this agreement for future reference. It forms part of the terms and conditions of your Direct Debit Request (DDR) and should be read in conjunction with your DDR authorisation.
account means the account heldat your financial institution from which we are authorised to arrange for funds to be debited.
agreement means this Direct Debit Request Service Agreement between you and us.
banking day means a day other than a Saturday or a Sunday or a public holiday listed throughout Australia.
debit day means the day that payment by you to us is due.
debit payment means a particular transaction where a debit is made.
DEECA means the Crown in the right of the State of Victoria acting through the Department of Energy, Environment and Climate Action or its successor.
direct debit request means the Direct Debit Request between us and you.
Solar Victoria Program means the Victorian Government program administered by Solar Victoria that involves the provision of discretionary financial benefits (such as rebates, subsidies and/or loans) for the purpose of supporting the uptake and accessibility of solar energy products including solar panels, solar hot water systems and solar batteries.
Solar Victoria - Loan Contract means the loan contract between you and DEECA in connection with the interest free loan provided to you under the Solar Victoria Program.
us or we means the Debit User you have authorised by requesting a Direct Debit Request.
you means the customer who has signed or authorised by other means the Direct Debit Request.
your financial institution means the financial institution nominated by you on the DDR at which the account is maintained.
1. Debiting your account
- By signing a Direct Debit Request or by providing us with a valid instruction, you have authorised us to arrange for funds to be debited from your account. You should refer to the Direct Debit Request and this agreement for the terms of the arrangement between us and you.
- We will only arrange for funds to be debited from your account as authorised in the Direct Debit Request in accordance with your Solar Victoria – Loan Contract.
- If the debit day falls on a day that is not a banking day,we may direct your financial institution to debit your account on the following banking day. If you are unsure about which day your account has or will be debited you should ask your financial institution.
2. Amendments by us
- We may vary any details of this agreement or a Direct Debit Request at any time by giving you at least fourteen (14) days written notice.
3. Amendments by you
- You may change*, stop or defer a debit payment, or terminate (cancel) this agreement at any time in accordance with your Solar Victoria – Loan Contract, in which case you must provide at least 30 days notification by writing to:
by telephoning us on 1300 138 672 during business hours;
arranging it through your own financial institution, which is required to act promptly on your instructions.
*Note: in relation to the above reference to ‘change’, your financial institution may change your debit payment only to the extent of advising us of your new account details.
4. Your obligations
- It is your responsibility to ensure that there are sufficient clear funds available in your account to allow a debit payment to be made in accordance with the Direct Debit Request.
- If there are insufficient clear funds in your account to meet a debit payment:
- you may be charged a fee and/or interest by your financial institution;
- you may also incur fees or charges imposed or incurred by us; and
- must arrange for the debit payment to be made by another method or arrange for sufficient clear funds to be in your account by an agreed time so that we can process the debit payment.
- should check your account statement to verify that the amounts debited from your account are correct.
- If you believe there has been an error in debiting your account, you should notify us directly on 1300 138 672 or and confirm that notice in writing with us as soon as possible so that we can resolve your query more quickly. Alternatively, you can take it up directly with your financial institution.
- If we conclude as a result of our investigations that your account has been incorrectly debited, we will respond to your query by arranging for your financial institution to adjust your account (including interest and charges) accordingly. We will also notify youin writing of the amount by which your account has been adjusted.
- If we conclude as a result of our investigations that your account has not been incorrectly debited, we will respond to your query by providing you with reasons and any evidence for this finding in writing.
- you should check:
- with your financial institution whether direct debiting is available from your account as direct debiting is not available through BECS on all accounts offered by financial institutions.
- account details which you have provided to us are correct by checking them against a recent account statement; and
- with your financial institution before completing the Direct Debit Request if you have any queries about how to complete the Direct Debit Request.
- We will keep any information (including your account details) in your Direct Debit Request confidential. We will make reasonable efforts to keep any such information that we have about you secure and to ensure that any of our employees or agents who have access to information about you do not make any unauthorised use, modification, reproduction or disclosure of that information.
- We will only disclose information that we have about you:
- to the extent specifically required by law; or
- for the purposes of this agreement or the Solar Victoria - Loan Contract (including disclosing information in connection with any query or claim).
- If you wish to notify us in writing about anything relating to this agreement, you should write to:
- may send notices either electronically to your email address or by ordinary post to the address you have given us.
- If sent by mail, communications are taken to be received on the day they would be received in the ordinary course of post.
Reviewed 06 January 2023