rejets de prélèvement

English translation: Direct Debit rejection / refusal

21:41 Mar 9, 2020
French to English translations [PRO]
Bus/Financial - Finance (general) / Bank accounts
French term or phrase: rejets de prélèvement
The document is a guide for customer service advisers in a bank.

It presents a case of a potential customer who is over-indebted and tries to do some "rejets de prélèvement".

Here is the phrase:

Un client est en surendettement. Il veut effectuer des rejets de prélèvement et ne comprends pas pourquoi, suite à un mail qui lui a été adressé, on lui demande d’aller au resto du cœur.

Here is my suggested translation:

A customer is over-indebted. He wants to cancel some direct debits and doesn’t understand why, following an e-mail he received, he has been asked to go to the charity organisation “Resto du Coeur”.

Shortly afterwards the document considers possible customer complaints, and one of them is as follows:

"10€ pour des rejets répétés, c’est beaucoup trop cher."

My translation: "€10 for repeated direct debit cancellations is far too expensive"

I imagine that in both cases, the customer wishes to cancel direct debits/standing orders and that in the second phrase the complaint refers to the bank charging a fee for doing so on numerous occasions.

Do you agree? Thanks!
Jack Fleming
English translation:Direct Debit rejection / refusal
Explanation:
It's quite curious in fact that they are using the same term in both instances.
A bank will "reject" a Direct Debit payment if you don't have enough money in your account to cover it — and will charge you for the privillege! Thats is what is happening in your second instance.
However, in the first instance, it isn't the customer who can "reject" it — normally, we'd say something like "faire opposition à...", so probably in EN we'd need 'refuse' — the customer wants the bank to reject it; but of course, it doesn't really work like that! If a Direct Debit payment has been incorrectly taken, then the customer can ask for it to be repaid, but they can't ask to have them simply stopped on an occasional basis whenever they feel like it!

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Note added at 7 hrs (2020-03-10 05:03:43 GMT)
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Of course, it would probably work as refuse / refusal in both instances.

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Note added at 2 days 7 hrs (2020-03-12 05:14:57 GMT)
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I think confusion is arising here because the source term is actually being used in 2 different ways:

In the first instance, the customer themselves seeks to get a specific DD rejected, which is NOT possible — you can cancel a DD authorisation for a given creditor altogether (at a cost), or you can oppose a DD that has for some reason been made incorrectly; but you cannot simply choose to suspend certain payments 'cos you don't have enough in your account to cover them!

In the second instance, however, it is the bank that has rejected the DD (because of insufficient funds) — and this too is chargeable, usually on a 'per item' basis.
Selected response from:

Tony M
France
Local time: 22:10
Grading comment
Selected automatically based on peer agreement.
4 KudoZ points were awarded for this answer



Summary of answers provided
4 +3Direct Debit rejection / refusal
Tony M
5 -2Cancel
Ken Fisher
3block a direct debit
SafeTex


Discussion entries: 4





  

Answers


31 mins   confidence: Answerer confidence 5/5 peer agreement (net): -2
Cancel


Explanation:
I think you are correct, "cancel" is what UK banks use for similar circumstances. The second phrase could be simplified to "repeated cancellations" as "direct debit" is superfluous.



    https://se-faire-rembourser.fr/rejet-de-prelevement
Ken Fisher
France
Local time: 22:10
Native speaker of: Native in EnglishEnglish

Peer comments on this answer (and responses from the answerer)
neutral  Daryo: CL5 might be too optimistic - it COULD also mean "unpaid direct debits", whatever ONE explanation says
3 hrs

disagree  Tony M: It actually isn't a cancellation as such: the direct debit authorisation remains in force for the future, this is just a one-off temporary "rejection"
6 hrs

disagree  AllegroTrans: No it's a failure of a direct debit (lack of sufficient funds is the usual reason) resulting in the bank refusing/rejecting/blocking payment. "Cancel" is wrong here
3 days 20 hrs
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14 hrs   confidence: Answerer confidence 3/5Answerer confidence 3/5
block a direct debit


Explanation:
Seems to me the customer just wanted to block (effectuer des rejets) a few direct debits without actually cancelling the direct debits.

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Note added at 2 days 32 mins (2020-03-11 22:14:12 GMT)
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it's a bit hard to speak just about the UK as many apps are global now but it is clear that many banks and apps now let you block direct debits in some circumstances.
I'm not going to list examples as you just have to Google "block direct debit"
As for the UK and what you can and can't do compared to France, we are translating a French text and all that matters is that you can do this in France, not what you can or can't do in the UK

SafeTex
France
Local time: 22:10
Works in field
Native speaker of: Native in EnglishEnglish
PRO pts in category: 40

Peer comments on this answer (and responses from the answerer)
neutral  Daryo: maybe you can do that in France - in UK you can only cancel completely a direct debit, not play ON/OFF with each payment.
1 day 8 hrs
  -> Please see note added

neutral  Tony M: Exactly as Daryo says! The point is, you CAN'T generally do this in France!
1 day 9 hrs
  -> Please see note added
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7 hrs   confidence: Answerer confidence 4/5Answerer confidence 4/5 peer agreement (net): +3
rejet de prélèvement
Direct Debit rejection / refusal


Explanation:
It's quite curious in fact that they are using the same term in both instances.
A bank will "reject" a Direct Debit payment if you don't have enough money in your account to cover it — and will charge you for the privillege! Thats is what is happening in your second instance.
However, in the first instance, it isn't the customer who can "reject" it — normally, we'd say something like "faire opposition à...", so probably in EN we'd need 'refuse' — the customer wants the bank to reject it; but of course, it doesn't really work like that! If a Direct Debit payment has been incorrectly taken, then the customer can ask for it to be repaid, but they can't ask to have them simply stopped on an occasional basis whenever they feel like it!

--------------------------------------------------
Note added at 7 hrs (2020-03-10 05:03:43 GMT)
--------------------------------------------------

Of course, it would probably work as refuse / refusal in both instances.

--------------------------------------------------
Note added at 2 days 7 hrs (2020-03-12 05:14:57 GMT)
--------------------------------------------------

I think confusion is arising here because the source term is actually being used in 2 different ways:

In the first instance, the customer themselves seeks to get a specific DD rejected, which is NOT possible — you can cancel a DD authorisation for a given creditor altogether (at a cost), or you can oppose a DD that has for some reason been made incorrectly; but you cannot simply choose to suspend certain payments 'cos you don't have enough in your account to cover them!

In the second instance, however, it is the bank that has rejected the DD (because of insufficient funds) — and this too is chargeable, usually on a 'per item' basis.

Tony M
France
Local time: 22:10
Native speaker of: Native in EnglishEnglish
PRO pts in category: 244
Grading comment
Selected automatically based on peer agreement.

Peer comments on this answer (and responses from the answerer)
agree  Daryo: exactly, that's how it works in UK, and that would lead to being repeatedly charged €10 for each "unpaid direct debit".
12 hrs
  -> Thanks, Daryo!

neutral  SafeTex: I don't get this fixation on what you can and cant' do in the UK. We are translating a French text and if it's possible to block a direct debit in France in some cases, that's all that counts
1 day 17 hrs
  -> I didn't say anything about the UK! But it's NOT, that's exactly the problem — and why we mustn't attempt to translate on the basis of how it works in the UK. You seem to be getting confused, and getting it all the wrong way round...

agree  AllegroTrans
2 days 9 hrs
  -> Thanks, C!

agree  Jack Fleming
7 days
  -> Thanks, Jack!
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