DDICA (standing for Direct Debit Indemnity Claim Automation) is the automation of Direct Debit Indemnity Claims and was implemented by Bacs in October 2010.
Indemnity Claims are undertaken at such time as an account is believed to have been wrongly debited by a Direct Debit - for example, if it has been cancelled previously. The customer will inform their bank, who will refund them immediately, but then the bank must be in turn refunded their money by the company making the error.
Indemnity Claims were paper-based and represented a highly time-consuming and labour-intensive process. The idea behind automating them is to reduce admin and, ultimately, save time.
With the new DDICA system, Indemnity Claims are passed directly into a business's systems, without the need for manual intervention.
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