Payment Conditions

This page sets out how charges administered by Helvtia Business Services Ltd appear on bank statements, how the underlying mandates work, and the exact route to having a payment clarified, amended, or refunded. It sits alongside our Terms of Service and Privacy Policy, and nothing in it limits any statutory right you hold under your bank’s SEPA direct debit scheme.

Collections we administer are made by SEPA direct debit and appear on your statement under the descriptor HELVTIA BUSINESS. Behind each collection stands a mandate — a record linking your name, your IBAN, and a client number.

An unfamiliar entry marked HELVTIA BUSINESS is not cause for alarm. The steps below resolve it, usually within a single business day.

Two routes, both at your disposal:

• The account lookup on this website — enter your first name, last name, and IBAN exactly as they appear on your bank mandate to see the charges and subscriptions held against it.
• An email to our customer service at [email protected] stating your name and client number — we revert with the details of the transaction.

Contact our customer service to clarify and amend payments with SEPA direct debit.

A wrong amount, a duplicate collection, a subscription already ended — tell us, and we amend it. Corrections are applied at the next collection cycle or refunded directly, whichever reaches you sooner.

Active subscriptions can be cancelled at any time, either through the account lookup on this website or in writing to [email protected]. Cancellation halts future collections; charges validly collected for periods already received are unaffected.

A collection made in error, or made after you cancelled, is refunded. We acknowledge refund requests within one business day and pay them to the same account the collection came from.

Separately from us entirely: SEPA scheme rules entitle you to a no-questions-asked refund from your own bank within eight weeks of the debit date for an authorised direct debit, and within thirteen months for an unauthorised one. Contacting us first is usually quicker — but the right belongs to you, and we will never discourage its use.

If, after clarification, you still consider a charge not yours, put it in writing. We freeze further collections under the affected mandate while we investigate, disclose the mandate evidence we hold, and confirm the outcome to you in writing — normally within five business days.

Every lookup, amendment, cancellation, and refund is logged for compliance and audit, and mandate records are retained for the periods stated in our Privacy Policy. That discipline protects both sides: any past transaction can be reconstructed and evidenced on request.

Customer service: [email protected]. By post: Helvtia Business Services Ltd, 30 First Avenue, London, England, W10 4NL. Payment enquiries are answered within one business day.