Restart a cancelled Direct Debit

If you cancelled a Direct Debit payment to your mortgage account, this form is the quickest way to ask us to restart your payments.

What you need to know

  • Your Direct Debit payments will continue to use the same bank account details and payment date as before.
  • If you’re restarting payments after taking a mortgage payment holiday, you should remember that the amount you pay each month may be higher than before your payment holiday.
  • We’ll contact you to let you know we’ve restarted your Direct Debit payments - we’ll send you a letter to confirm that we’re ready to start taking your payments again.

If you’d like to change any of the details on your Direct Debit, or would like to set up a new one, you should call us and speak to an adviser. Please remember though that our lines are much busier than usual so it may take a while for us to answer your call.

If your next mortgage payment is due in the next 14 days, your Direct Debit may not start again until the following month. If you don’t know when your next payment is due, you could check a statement of the account you use to pay your Direct Debit.

In the meantime you'll be able to make one-off payments.

If you are a Mortgage Plus customer this will reinstate both parts of your payment.


Enter a mobile number if you’d like us to send a text to confirm that we’ve restarted your payments
You’ll find this on any letters we’ve sent you about your mortgage

Direct Debit Guarantee

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 Birmingham Midshires will notify you four working days in advance of your account being debited or as otherwise agreed. If you request Birmingham Midshires 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 Birmingham Midshires, a division of Bank of Scotland plc, 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 Birmingham Midshires 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 us.

How we process your personal information

Your personal information will be held by Bank of Scotland Plc, which trades as Birmingham Midshires, part of the Lloyds Banking Group. More information on the Group can be found at It is important that you understand how the personal information you give us will be used. Therefore, we strongly advise that you read our full privacy notice, which you can find at or you can ask us for a copy. If you have any questions or require more information about how we use your personal information please contact us.