> For the complete documentation index, see [llms.txt](https://help.sipgate.de/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://help.sipgate.de/cloud-telefonanlage/en/account-management/vertrage-rechnungen-und-preise/was-sollte-ich-bei-ruecklastschriften-beachten.md). # What should I keep in mind with returned direct debits? Causes and consequences of returned direct debits at sipgate as well as notes on settling outstanding items and reactivating direct debit collection. If the debiting of an amount from your account by SEPA direct debit fails, a returned direct debit occurs. Due to this returned direct debit, additional costs arise for us, which we charge you in accordance with our terms and conditions. **Possible reasons why a returned direct debit occurs:** * You failed to notify us of your **new bank account details** with us (e.g. when using automatic top-up). * Your account showed at the time of the debit **insufficient funds** . * Against the **SEPA direct debit** was **objection** submitted. The bank charges are deducted from your talk credit at sipgate. This may cause your credit account at sipgate to go negative - in this case, outgoing calls may no longer be possible. We do not automatically correct your outstanding items. If you want to settle them, please transfer the outstanding amount or make a manual top-up. Do you have any further questions? Our customer service will be happy to help you at 0211-63553355 or by email at . ### **Error in automatic debit** After a returned direct debit, the automatic debit **by SEPA direct debit** will remain deactivated until the outstanding items resulting from the returned direct debit plus fees have been settled. As soon as the outstanding amount has been received by us, the automatic debit will be reactivated. If you would like to settle the outstanding items by bank transfer, please make sure that in the **reference** your **customer number** is entered so that we can assign the transfer to the correct account without delay. **Changes to the automatic debit** only affect **future invoices** and debits. Should you have changed the **payment method** in the meantime, reactivation will of course take this change into account. --- # Agent Instructions This documentation is published with GitBook. GitBook is the documentation platform designed so that both humans and AI agents can read, navigate, and reason over technical content effectively. Learn more at gitbook.com. ## Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation by asking a question. Perform an HTTP GET request on the following URL with the `ask` and `goal` query parameters: ``` GET https://help.sipgate.de/cloud-telefonanlage/en/account-management/vertrage-rechnungen-und-preise/was-sollte-ich-bei-ruecklastschriften-beachten.md?ask=&goal= ``` `ask` is the immediate question: it should be specific, self-contained, and written in natural language. `goal` is what the user is ultimately trying to achieve, the reason they need the answer. Sharing it helps GitBook give you a better, more relevant answer. A goal is most helpful when it describes the outcome the user wants rather than restating the question. For example, with `ask=how do I create an API token`, a goal like `automate deployments from our CI pipeline` lets GitBook tailor the answer to that use case. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.