# What should I keep in mind about direct debit reversals? If the debiting of an amount from your account by SEPA direct debit fails, a chargeback occurs. This chargeback incurs additional costs for us, which we charge you in accordance with our terms and conditions. **Possible reasons why a chargeback may occur:** * You failed to notify us of your **new bank details** (e.g. when using automatic top-up). * At the time of the debit, your account had **insufficient funds** . * An **SEPA direct debit** has **objection** been filed. The bank fees are deducted from your call credit with sipgate. This may cause your sipgate credit account to go into the negative - in this case, outgoing calls may no longer be possible. We do not automatically correct your outstanding items. If you would like 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 on 0211-63553355 or by email at . ### **Error with automatic debit** After a chargeback, automatic debit **by SEPA direct debit** is disabled until the outstanding items resulting from the chargeback plus fees have been settled. As soon as the outstanding amount has been received by us, automatic debit will be reactivated. If you would like to settle the outstanding items by bank transfer, please make sure that the **purpose of payment** contains your **customer number** so that we can assign the transfer to the correct account without delay. **Changes to automatic debit** only take effect for **future invoices** and debits. If you have changed the **payment method** in the meantime, reactivation will of course take this change into account. --- # Agent Instructions: Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter: ``` GET https://help.sipgate.de/cloud-telefonanlage/en/account-management/vertrage-rechnungen-und-preise/was-sollte-ich-bei-ruecklastschriften-beachten.md?ask= ``` The question should be specific, self-contained, and written in natural language. 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.