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My Direct Debit for my RBS Mortgage has been returned unpaid?

Unpaid Direct Debits will cause your mortgage to fall into excess/arrears, so it's important to make sure we get your payment as soon as possible.

The main reason for your Direct Debit being returned as unpaid is because there were insufficient funds in your bank account on the day your Direct Debit was due, however there are other reasons also. Check the balance in your account for that day and see if funds were available. If that is the case then contact us to make sure that we have the correct details on file or that the Direct Debit is still active.

If the payment is returned as unpaid, then we will automatically try again ten working days later. Providing there will be funds in your account when we call for the payment again, there is no need to make a manual payment. There is a £35 charge for missing a mortgage payment which is automatically added to your mortgage balance. You have the option to pay this also if you wish. 

However, in the event that you do need to make a manual payment you can Log onto Manage My Mortgage and select the option “Make a payment (Overpayment, missed mortgage payment or manual mortgage payment)“.

If you have any queries re this or would like to discuss further please contact our Mortgage Team via online chat on our Manage my Mortgage page, who will be happy to help you.