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issue 20 | number 6 | December 2014
thehospital consultant
&specialist
views | people | contacts
Pay: What does
2015 hold?
4
Pay
The key issue
in 2015
6
HCSA Council
John Schofield’s
reflections
7
Consultant
Contract
Next steps
Bi-monthly journal of the Hospital Consultants and Specialists Association
in this issue
2
CEO’s Notes
3
President’s message
John Schofield
4
Pay
Pay is the key issue
5
NHS pay
Joint union statement
the hospital consultant
and specialist
6
HCSA
An historic council
bi monthly magazine of
the Hospital Consultants
and Specialists
Association
Editorial:
Eddie Saville
Nick Wright
01256 771777
[email protected],
www.hcsa.com
Any opinions and views
expressed in this
publication are not
necessarily those of the
Editor, Publisher,
Sponsors or Advertisers
of HCSA News.
7
AGM
A bigger splash
Delegates needed
10 Your HCSA contacts
11 Join HCSA
12 Direct Debit
Where links take you to
other sites, the Editor,
Publisher and
Webmaster cannot be
held responsible for the
content of those sites.
2
The negotiations between the BMA and NHS Employers have been
ongoing for 18 months and we were disappointed to hear that the
BMA had stalled these negotiations. The Government have now
referred these negotiations to the DDRB. It has asked them to
make observations based on the information and data presented
on pay-related proposals with the objective of reforming the
consultant contract to better facilitate the seven days-a-week
delivery of health care services in a financially sustainable way i.e.
without increasing the existing spend. The DDRB is being asked to
critique the proposals from the Department of Health and the
employers, taking account of views from all parties. We will be
giving our views to the DDRB following our recent survey of
members.
NHS pensions continued to be on the agenda in 2014. Discussions
have been ongoing all year in preparation for the introduction of a
new pension scheme in 2015. This will not be a final salary scheme
but a career average revalued earnings (CARE) scheme.
Layout: dennis@
kavitagraphics.co.uk
No reproduction of any
material is permitted
without express
permission of the
respective owners.
On two separate occasions we took Action Short of Strike (ASOS).
This got the message across that the DDRB recommendations
should be honoured and that we stood together with our fellow
colleagues in 11 out of the 14 trade unions and professional
associations to win a fair deal on pay for all NHS staff. As we move
into 2015 we will consider our next steps to persuade the
Government to listen. I want to thank all our members who have
taken part in the ASOS – we did not take this action lightly.
A notable event in 2014 was the launch of our new website with a
complete rebranding of the association. We now have a vibrant
new look to the HCSA with a user-friendly website and, coming
very soon, online payment to make joining the HCSA even easier.
With vibrant colours, an increase in our presence nationally and
locally, HCSA is moving forward with our main objective to have
more visibility for the members we represent.
HCSA News and related
devices are protected by
registered copyright.
©2014 All Rights
Reserved.
Hospital Consultants &
Specialists Association
Pay action 2014 has been an eventful year for the
HCSA. Many highlights spring to mind. The most
notable is the pay campaign which saw us as the
only trade union representing doctors to take action
over the Government’s decision to ignore the
independent Doctors’ and Dentists’ Review Body
(DDRB) recommendations.
Consultant Contract
Next steps
9
CEO’s notes
Call for contributions
If you’d like to submit an article or
suggestion for the Newsletter, we’d love
to hear from you. Please get in touch via
[email protected].
thehospital consultant &specialist
Some members will not have to join the 2015 scheme as they have
full protection if they were within 10 years of their normal pension
age on 1 April 2012. Others, who were between 10 and 13.5
years of their normal pension age on 1 April 2012, will get
tapering protection. This means that they will still have to join the
issue 20 | number 6 | December 2014
president's message
Message from the
President, Professor
John Schofield
The HCSA is continuing to work hard to support all our
members in a difficult period. As well as its advocacy for
specific members, the HCSA is pressing Government to
reconsider its position on pay through its periods of
action short of strike. Whilst maintaining patient facing
services at all times, it is important that our message is
communicated to NHS employers.
2015 NHSPS but their joining date will be delayed, depending on
how close to their normal pension age they were on 1 April 2012.
Discussions have also taken place on Choice 2 which will be open
to all members of the 1995 section not covered by ‘full protection’
from the 2015 scheme changes. In fact letters are being sent out
now asking members to consider their position. There is an online
calculator at https://apps.nhsbsa.nhs.uk/choice/index.html for
more information.
This year we were also pleased to support the Federation of
Independent Practitioner Organisations in their continued
campaign against the recent Competition and Markets Authority
Report.
With an election just round the corner, we are meeting with
leading figures of all main political parties to drive home our
messages. Following one such meeting, the HCSA received a
specific request for contribution of evidence to the Doctors’ and
Dentists’ Review Body, so we are finalising this submission for
presentation later on this month.
I would like to take this opportunity to thank all the HCSA staff
for their hard work this year, and to thank all our members for
their support. You can continue to help our organisation grow in
the coming weeks and months by recommending membership to
friends and colleagues, and we are still actively seeking Hospital
Representatives – please email or call the Overton office if you are
interested in this important role. Of course, following changes to
our constitution, we particularly welcome applications for
membership from hospital doctors in specialty training posts.
With Christmas rapidly approaching, I would like to wish
everyone a very happy festive season.
The TUC conference in Liverpool again saw an HCSA
representative elected to sit on the TUC General Council. Our
resolutions on Bullying in the NHS and the concerns over the
Transatlantic Trade and Investment Partnership were both carried
unanimously. The HCSA is now an important player in the wider
trade union/professional association arena and we gain greatly
from this position.
Membership This year also saw us expand our membership criteria
in order to recruit specialist/specialty (not core trainees) registrars. It
is vital that we engage with this group of doctors who are
potentially the consultants of tomorrow.
We also added to our complement of regional officers this year
which has given us more visibility at local level and allowed us to
help and support more members when in need. We are always
looking at ways to improve our services and will do so again in
2015.
Finally I would like to take this opportunity to wish all members all
the best for the coming festive season and a happy and prosperous
2015. It is often the case that our staff who work tirelessly
throughout the year go unmentioned, and with such a busy year
I wanted to say a big thank you to the team at HCSA for their
contribution in 2014.
issue 20 | number 6 | December 2014
President, Professor John Schofield
thehospital consultant &specialist
3
pay
Pay is the key issue
Eddie Saville looks ahead to the next stage in the NHS pay battle.
NHS pay continues to be a key issue.
Our two bouts of Action Short of
Strike (ASOS) carried out in October
and November - whilst being
successful in terms of member
participation - have not yet moved
the Government or employers to
shift their stance.
However, we move into 2015 with the
Government maintaining their position that
the same approach will be taken next year,
with no cost of living increase for anyone if
an increment is due to be paid. This again
means many HCSA members will get
nothing in 2015.
We continue to work closely with our
fellow trade unions and there are now
twelve out of the 15 NHS trade unions who
will be taking action. In addition to the
HCSA, the unions taking part are:
● UNISON
● Royal College of Midwives
● Union of Construction, Allied Trades and
Technicians
● Society of Radiographers
● British Association of Occupational
Therapists
● GMB
● Unite the union
● Managers in Partnership
● Prison Officers Association
● British Dietetic Association
● Society of Chiropodists and Podiatrists
increase plus any increment that may be
due; one per cent when inflation is running
well above this level; when pay for doctors
has been frozen for five years; when
increases in pension contributions have
been a constant theme for the past three
years and when morale amongst NHS staff
is spiralling downward. The HCSA poll
carried out last year suggested morale for
many was at rock bottom.
The NHS trade unions are now
Earlier this month there was a protest
considering how we take this campaign
outside the Treasury which was aimed at
forward in the new year. We want to hear
keeping the issue in the media and
reminding the public that NHS staff are still from you on how the action impacted at
local level and any suggestions on how we
in dispute. We know from our own trade
should carry the campaign into 2015.
union polling that the public support NHS
The action we have taken so far has
staff and also many MPs, from all sides of
the house, want to see a resolution to this certainly raised the profile of the HCSA,
and has shown that we are an organisation
pay dispute.
We are also encouraged by the support that is willing to give voice to our members
to ensure their views and opinions are
of the Trade Union Congress and many
heard loud and clear.
other trade unions in both the public and
private sectors. However, let’s not forget
what this dispute is about: the
Government’s refusal to honour the DDRB
recommendation to pay a one percent pay
‘We move into 2015 with
the Government
maintaining their position
that the same approach
will be taken next year,
with no cost of living
increase for anyone if an
increment is due to be
paid. This again means
many HCSA members
will get nothing in 2015’
4
thehospital consultant &specialist
issue 20 | number 6 | December 2014
R
I
A
F
S
H
N
Y
A
P
Joint Union Statement on NHS
Pay Issued on 2nd December
Since 2010, NHS staff have had a 15% cost of living cut to their pay;
some have lost significantly more through cuts to other elements of pay.
The independent NHS Pay Review
Body and the Doctors’ and Dentists’
Review Body was asked to
recommend no more than 1% pay
award. The NHS PRB went on to
recommend the full amount possible
of 1% consolidated (i.e. pensionable
and integrated into all future awards).
The Secretary of State for Health replied by
saying that he would only pay staff on the
top of their pay spine 1% as a cash
payment on their basic pay, and then to be
removed at the end of the year. This means
pay rates in England will be frozen to 2013
rates.
In addition the NHS PRB and the DDRB
has been stood down from making a
recommendation for 2015/6.
The Governments in Wales and Scotland
have agreed their pay award with the
Agenda for Change trade unions, including
paying the Living Wage. The Government
in England is refusing to enter into
negotiations with health unions.
NHS workers have therefore been forced
into a position of taking industrial action.
The NHS staff are today, demanding talks
following 2 days of strike action, action
short of strike and working to rule across
the country.
With a further £2bn promised by the
Chancellor for the NHS for front line staff
& services, trade unions representing over
1 million NHS workers are calling on the
government to use some of this money to
resolve the ongoing pay dispute. It is in
patients’ interest to have staff who feel
motivated and fairly rewarded rather than
being pushed into taking industrial action
because the government won’t negotiate
with unions.
Without this the NHS faces more
disruption into the new year and beyond.
issue 20 | number 6 | December 2014
‘It is in patients’ interest to
have staff who feel
motivated and fairly
rewarded rather than
being pushed into taking
industrial action ’
thehospital consultant &specialist
5
HCSA Council
An Historic Council Meeting
Professor John Schofield reflects on the
October meeting of the association’s Council
I was pleased to
see so many
Council members
at our October
meeting. There
was much to get through and with
Action Short of Strike taking place
in tandem with the meeting, it was
an historic one.
There was a lot to convey in my opening
remarks to Council, and things have been
moving at a fast pace since then, but the
key issues covered were: HCSA’s ongoing
position with regards to the pay dispute,
the Efford Bill and HCSA’s part in shaping
the NHS of the future.
The issue of pay was always going to
dominate the meeting, given the strength
of feeling of our members, and I
mentioned this in my opening remarks:
“…the membership survey we undertook
in August which showed well over half of
respondents willing to take strike action
and over three quarters willing to
undertake action short of strike. When we
proceeded to a formal ballot under the
aegis of the Electoral Reform Society, there
were slightly fewer willing to strike, but it
was notable that just under half of
respondents (with a very high response rate
of almost 40%) were still willing to take
strike action and over 80% were willing to
take action short of strike even when the
precise nature of this action had not been
specified. I will not spend any longer on
this area, as it the main debate of the day,
but would just reflect that it takes a lot to
‘the key issues covered
were: HCSA’s ongoing
position with regards to
the pay dispute, the Efford
Bill and HCSA’s part in
shaping the NHS of the
future’
6
get doctors to consider any form of
industrial action and I believe this sends a
very strong message to Government. We
have informed colleagues in the BMA
about our position, as I believe that we are
stronger standing together in this struggle
and Mark Porter has written to BMA
members saying that he supports the right
of the HCSA and its members (and other
health unions) to undertake industrial
action and will not undermine this.”
Later in the day Eddie Saville gave a
presentation on the journey we have taken
since the Government’s announcement in
March that it was going to ignore the DDRB
recommendations on doctors pay, and this
was followed by a lively discussion. By the
time you read this, we will have undertaken
a second period of Action Short of Strike,
and it is my fervent hope that the
Government will have sat down with us,
and other unions, to discuss the issue.
In September I met with Clive Efford,
Labour MP for Eltham and Plumstead in
South London, when I sat on a panel with
him at the TUC conference. His bill, which
is being put to the vote as this goes to
print, is intended to reverse the devastating
top down re-organisation of the NHS, “renationalise” the NHS and save it from
being dismantled further. It also removes
the competition and private care provisions
in the current Act, which put profit before
patient care.
We were able to impress upon Clive
Efford the unfairness of the current
position of Government in relation to pay
in the NHS and the strength of feeling of
our members. As I have mentioned before,
it is one of our objectives to gain greater
influence so that we can put your views
forward and I am pleased to say that our
meeting with Clive Efford and subsequent
discussions with Andy Burnham, Shadow
Secretary for Health and Dan Poulter,
Parliamentary Under Secretary of State, are
a good step in this direction.
The future of the NHS is being discussed
in detail at present, with very different
political viewpoints being expressed. The
NHS Five Year Forward View, developed by
the partner organisations that deliver and
thehospital consultant &specialist
Health unions together for fair NHS pay
oversee health and care services including
NHS England, Public Health England,
Monitor, Health Education England, the
Care Quality Commission and the NHS
Trust Development Authority, was
published on 23 October 2014.
The new NHS Chief Executive, Simon
Stevens, has said the NHS must end mass
centralisation and instead expand its local
services to treat people in their own
communities – he has revealed deep
scepticism about the effectiveness of
integration schemes being planned as part of
the Better Care Fund; and he has criticised
the lack of diversity in management.
The Labour Party’s proposal for an
integrated healthcare system which acts
across traditional boundaries between
primary and secondary care and secondary
care and social services, has great potential,
but as always the devil is in the detail and
there is still much development to be done.
The breakdown of Consultant Contract
talks between the BMA and the
Government were a hot topic at Council,
but this has since moved on and we have
heard from many of you on this subject –
thank you for your responses. We have
included an update on this work on the
page opposite.
Presentation of Badges
I was pleased to be able to present two of
our past presidents, Mr Winston Peters and
Dr Peter Richie, with HCSA lapel pin badges
to mark their role as past presidents. Those
past presidents not attending the Council
will also receive a badge shortly.
Talk by Sir Mike Richards
Everyone welcomed Sir Mike Richards to
the meeting. He delivered an excellent
presentation entitled Inspection and
regulation as a driver for quality
improvement: the new CQC approach.
issue 20 | number 6 | December 2014
contracts
‘It feels like we are on the
brink of some interesting
changes in the NHS.
There was a definite mood
at Council that now more
than ever, we need to
stand up for ourselves’
Sir Mike talked us through the CQC’s
purpose and role and its new approach
using five defined questions: Is it safe?; Is it
effective?; Is it caring?; Is it responsive?; Is it
well led?
Outlining the need for this new
approach he described some of the issues
with the CQC’s previous approach:
● Missed important problems
● Focused on compliance vs. noncompliance
● Did not give a picture of overall quality of
care
● Were undertaken largely by ‘generic’
inspectors without expert clinical input
● Did not command confidence (e.g. from
providers)
We heard about the new approach in
more detail and how the services were
rated using the “Trust X Ratings Grid.” In
summing up Sir Mike said that the new
model of inspection was undoubtedly more
robust that the previous model, that the
inspection model had come a long way, but
there was still more to be done.
The presentation led to an interesting
question and answer session and we were
told a little more about the “Fit and Proper
Person” requirement for directors of
hospitals and care homes, which has just
been formally announced.
Finally…
It feels like we are on the brink of some
interesting changes in the NHS. There was
a definite mood at Council that now more
than ever, we need to stand up for
ourselves, our patients, and the NHS as a
whole. As an executive body we are
pushing to ensure that your voices are
heard and I would like to thank all those
who attended the Council meeting, as well
as those who were not able to be there, for
their continued support.
issue 20 | number 6 | December 2014
‘it is the intention of the HCSA to make a submission to
the DDRB based on the responses we have received’
Consultant
Contract
For the past 18 months the Government and employers have
been in negotiations with the British Medical Association on
changes to the consultant contract.
Heads of terms were agreed by
all parties. Included in these
negotiations were: pay progression,
the current clinical excellence award
system and seven day services. In
October this year negotiations were
stalled. Immediately Dr Paoloni,
Chair of the HCSA Contract
Negotiating Committee, issued a
statement saying we were at crisis
point in the Consultant and Trainee
Contract Negotiations and she called
on members to provide responses to
the following questions:
● What aspects of the Consultant Contract
need to be retained?
● What aspects of the Consultant Contract
are negotiable?
● If restricted to working within the current
budget restraints how can seven day
service working be provided safely?
● Are you working in a unit or area where
it works? Please tell us how.
We had many responses to this call for
views and comments and we are currently
analysing those responses as we consider
our next steps.
However as a result of the stalling of
negotiations, the Government have asked
the DDRB to make:
“Observations on the negotiations to
date based on the information and data
presented on pay related proposals for
reforming the consultant contract to better
facilitate the delivery of health care services
seven days a week in a financially stable
way, i.e. without increasing the existing
spend.”
The DDRB have also been asked to
consider the work carried out so far on
● The payment of CEAs
● Proposals for pay progression to be
linked to performance and responsibility
● Arrangements in other sectors which
provide seven day services
The DDRB is to consider all of these issues
and report their findings in July 2015. It is
the intention of the HCSA to make a
submission to the DDRB based on the
responses we have received. We have also
set up a new Contract Negotiating
Committee (CNC) which will formulate our
approach now and in the future to progress
these negotiations.
thehospital consultant &specialist
7
TTIP
Transatlantic Trade and
Investment Partnership
The EU-USA Transatlantic Trade and Investment Partnership (TTIP)
negotiations are of critical interest for HCSA.
A key issue of concern is the
proposed Investor-State Dispute
Settlement (ISDS) process, which
would give companies the right to
sue a government that acts in a way
that could damage their profits. This
could have a far-reaching impact on
the NHS.
In March the Hospital Consultant and
Specialist reported that the European
Commission had been forced into a public
consultation on the ISDS section of the
treaty. There were over 140,000 individual
submissions, all generally hostile to ISDS.¹
However, reports in the national press
suggest that this overwhelming display of
public opinion is not being fairly considered
and one EU official is reported by the Daily
welcome
Mail as saying: “The public consultation has
not delivered a clear-cut conclusion on
investment protection. Delays to a decision
are now inevitable.”²
The debate continues but it does not
look like a TTIP deal will be completed for
some time. Supporters of the trade deal
wanted an agreement by the end of 2015,
but this timeframe now looks unrealistic.
The TUC continues to ensure that our
opinions are heard and we will keep you
updated on any new developments.
P
I
T
T
1 http://touchstoneblog.org.uk/2014/11/
ttip-debates-get-a-bit-fractious/
2 http://www.dailymail.co.uk/wires/
reuters/article-2850114/Online-protest
-delays-EU-plan-resolve-U-S-trade-row
.html#ixzz3KjoQgfI7
A welcome to our new
membership secretary
It’s great to be able to introduce our
new membership secretary to you,
Denise Hayward.
Denise joined us early in October, just
before we took our first Action Short of
Strike, and had to hit the ground running
with all the membership communications
that the action involved.
Now settled into the more routine work
of HCSA, Denise is here for all your
membership enquiries and will be working
Mondays, Wednesdays and Fridays. You
can reach her on the office line or via
[email protected]
Welcome to the team Denise!
HCSA Christmas
opening hours
● Monday 22 December
– Normal working
● Tuesday 23 December
– Closed from lunchtime
● Wednesday 24 December
– Closed
● Thursday 25 December – Closed
● Friday 26 December – Closed
● Monday 29 December
– Skeleton cover
● Tuesday 30 December
– Skeleton cover
● Wednesday 31 December
– Skeleton cover
● Thursday 1 January – Closed
● Friday 2 January
– Back to normal working
New membership secretary, Denise Hayward
8
thehospital consultant &specialist
issue 20 | number 6 | December 2014
AGM
A bigger splash
HCSA made a bigger splash at the Acute and General Medicine
Show at the EXCEL in London in November with a well
positioned stand and large display. Jenifer Davis and
Gail Savage represented the association.
“Having attended the show last year
we were keen to see whether our
brand refresh and increased profile
would have had an impact. Would
more doctors be aware of HCSA
than last year?
Gail Savage said: “The show was also
another opportunity for us to hear more
from senior doctors on the issues of
the day, and we were pleased to
hear that the topics that HCSA are
focussing on are the ones that
count. Current and potential
We were lucky enough to be given a bigger members were also keen to talk to
us about speaking opportunities
stand area for free this year and were
and to invite us into their
situated in a prime spot, near to the
hospitals to tell more senior
Advanced Life Support Group Simulation
doctors about HCSA and how
lab, which is always popular, with doctors
we can help.
keen to attend the hands on training
Thanks to those of you
sessions. This proved useful to us as we got
that came and talked to
lots of passing traffic, with members and
non-members alike stopping in to catch up us, we’ll be following up
on your ideas over the
and find out what was new with HCSA”
coming months”.
said Jenifer Davis.
Gail Savage and Jenifer
Davis at the AGM
Conference
delegates
Delegates needed for TUC Conferences in 2015
We are looking for delegates to represent HCSA at the following TUC Conferences in 2015:
TUC Women’s Conference
Congress House, London
1-13 March 2015
TUC Black Workers Conference
Congress House, London
17-19 April 2015
TUC Disabled Workers Conference
Congress House, London
21-22 May 2015
TUC LGBT Conference
Congress House, London
25-26 June 2015
For more information about the above please contact
Eddie Saville at Headquarters.
issue 20 | number 6 | December 2014
thehospital consultant &specialist
9
hcsa contacts
Executive Committee
HCSA Officers and Staff
President Professor John Schofield [email protected]
Chairman of Executive Professor Ross Welch [email protected]
Immediate Past President Dr. Umesh Udeshi
Honorary Treasurer Dr. Bernhard Heidemann
Honorary Secretaries Dr. Cindy Horst, Dr. Paul Donaldson
Dr. Mukhlis Madlom, Dr. Subramanian Narayanan,
Dr. Claudia Paoloni
Chairman – Education & Standards Professor Amr Mohsen
Independent Healthcare Mr. Christopher Khoo
Chief Executive/General Secretary Mr. Eddie Saville [email protected]
Business Manager Mrs. Sharon George [email protected]
Manager, Northern Region Mr. Joe Chattin [email protected]
Regional Officer, South Mrs. Emma Champion [email protected]
Regional Officer, North Mr. Rob Quick [email protected]
Regional Officer, Midlands
Mrs. Annette Mansell-Green [email protected]
Membership Secretary Mrs. Denise Hayward [email protected]
Employment Services Adviser Mrs. Gail Savage [email protected]
Head of Communications and Web Services
Mrs. Jenifer Davis [email protected]
Accountant Mrs. Edidta Bom [email protected]
Education & Standards Sub-Committee
Chairman Professor Amr Mohsen
Dr. M. Madlom
Mr. O. Sorinola
Dr. B. Heidemann
Dr. H. Mehta
Mr. C. Welch
Office Telephone: 01256 771777
Facsimile: 01256 770999
E-mail: [email protected]
Finance Sub-Committee
Chairman Dr. Bernhard Heidemann
Professor John Schofield
Professor Ross Welch
HCSA Hospital Representatives
You can find the contact details of your local HCSA Hospital Representative on
the website at: hcsa.com/contact-us - just click on national/hospital contacts
and select your area from the drop down options.
Prefer to receive this newsletter
and other communication from
HCSA electronically?
Just drop us an email – [email protected] –
and we’ll update your preferences. Thank you.
10
thehospital consultant &specialist
issue 20 | number 6 | December 2014
join the association
Hospital Consultants & Specialists Association
HCSA, Number One, Kingsclere Road, Overton, Basingstoke, Hampshire, RG25 3JA
T 01256 771777 F 01256 770999 E [email protected] W www.hcsa.com
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issue 20 | number 6 | December 2014
thehospital consultant &specialist
11
direct debit form
Instruction to your bank or building society to pay by Direct Debit
HCSA
1 Kindsclere Road
Overton
BASINGSTOKE
Hampshire
RG25 3JA
Please fill in the whole form using a ball point pen
Service user number:
Payment reference (To be completed by HCSA):
Name(s) of account holders
9 9 7 5 7 2
Instruction to your bank or building society
Bank or building society account number:
Branch sortcode:
detach here
Please pay The Hospital Consultants and Specialists Association direct debits from the account detailed in this instruction subject
to the safeguards assured by the direct debit guarantee. I understand that this instruction may remain with The Hospital
Consultants and Specialists Association and, if so, details will be passed electronically to my bank or building society.
Bank or building society account number:
Address
Post Code
Signature
Date
Banks and building societies may not accept Direct Debit instructions for some types of accounts
The Direct Debit
Guarantee
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This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits
If there are any changes to the amount, date or frequency of your Direct Debit the organisation will notify you
(normally 10 working days) in advance of your account being debited or as otherwise agreed. If you request the
organisation to collect a payment, confirmation of the amount and date will be given to you at the time of the
request
If an error is made in the payment of your Direct Debit, by the organisation or your bank or building society, you are
entitled to a full and immediate refund of the amount paid from your bank or building society
If you receive a refund you are not entitled to, you must pay it back when the organisation asks you to
You can cancel a Direct Debit at any time by simply contacting your bank or building society. Written confirmation
may be required. Please also notify the organisation.
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HCSA, Number One, Kingsclere Road, Overton, Basingstoke, Hampshire, RG25 3JA
T 01256 771777 F 01256 770999 E [email protected] W www.hcsa.com