CommittedGiving, Mosaic FS & Telebank are now Elovate!

New name, same company values. Learn more

Do you know your ARUDD from your AUDDIS or ADDACS ?!

Do you know your ARUDD from your AUDDIS or ADDACS ?!

Date tag 15 Feb 2022
Author tagCommittedGiving Team
Category tagNews

On our second post exploring some of the Bacs Direct Debit terms, we shine a spotlight on these frequently used words to bring them to life and to help you manage your regular payments.

ARUDD - Automated Return of Unpaid Direct Debit

Sometimes this term has an 'S' at the end to represent 'Service' but for the most part, is referred to as ARUDD. As the name suggests, this Bacs report will show you all unpaid items and why they have been rejected by the bank once your Direct Debits have been submitted.  This is normally within three working days.

Understanding the reasons for rejection is an important step

The 2 most reported (will represent 90%+ of all 'unpaids' on average) are:

  1. Refer to Payer - your supporter did not have sufficient monies when the Direct Debit claim was made. You can represent the following month or try and represent on another day. You will have to make sure you follow the rules here but for the most part for donations, these get tried once more the following month. During this period, your supporter will either contact you to make alternative arrangements, cancel, or hopefully money will be in so they continue to support you. We would expect 50% of supporters to continue with their gift - so a good reason to represent!
  2. Instruction Cancelled by Payer - the supporter has cancelled their Direct Debit with you. You should contact the supporter and thank them for their support and see if there is anything to win them back. There are a host of different flows here to test but you can't claim again until you have been Instructed again by your supporter.

Over the course of the year, CommittedGiving will be looking at what percentage of ARUDD we see, and we will share this information as a charity benchmark so you can compare it against your files.  We will update the Sector once completed. As a general rule, we would expect the total number of ARUDD to be less than 2% of your claim file but you will more than likely see less than 1% which will be more of the norm.for charity donations.

Want to learn about AUDDIS reports? Click here

CommittedGiving Team
Written by:

CommittedGiving Team

Request help & support

We're here to help

General Enquiries

Drop us a message today

Hannah Trott


A star developer working mainly on the Hub. Completed her MSc Information Technology Management for Business following her BSc at Greenwich University in 2012 and joined us in January 2013. “I really enjoy being part of the team as we all help and support one another but can still enjoy each other’s sense of humour (well those who have got one).”

Interested in loads of things, including reading, dancing, swimming and tri-athalons.

Contact us

Mathew Harris


Mathew Joined CommittedGiving way back in 2002 at the same time as the launch of our then brand new online fundraising service – which at that time consisted of just the one Client!

He has played a major role in developing and enhancing the core applications and services since that time and now, as a Director of the company, manages some of our major Client, Supplier and Partner relationships as well as getting heavily involved in new business generation and product development.

Contact us

Richard Kujawski

IT Manager

All round technical whizz. Amongst other things looks after our servers, provides database administration support, manages third party software and licences. And on top of all this finds time to deal with Clients and develop and implement many of the public facing fundraising web pages. Currently our longest serving team member and long may he continue to be so.

Not surprisingly in his spare time loves tinkering with computers and other high tech pieces of kit. Keeps fit running around the countryside geo caching with his family.

Contact us

Jonathan Peters

Software Technician

“Honest, adaptable and loyal with extensive IT experience. Possesses wide ranging software and technology knowledge. A good team member.” That’s what he tells us. And, to be fair, it’s all true.

Currently using his all-round skills to support key systems and Clients and finding time to get involved in project and system developments. A real asset to the team.

In his spare time a dedicated family man with a keen interest in all things aviation. A real high flyer!

Contact us

Holly Bratton-Smith

Systems Developer

Very pleased to be part of the team and learning something new every day. Graduated with a BSc Computer Science from University of Greenwich and have previous experience in the payment industry.

Love to travel, particularly to places to see animals. Enjoy going out to the cinema, music gigs, football matches and spending time with family.

Contact us

Jerry Traves

IT Application & Production Support Operator

A certified software tester with degrees from Oxford & Open universities, Jerry joins us after a long stint in the IT department of a major travel & financial services company. Working in production data management and UAT he really enjoys the flexible, positive ‘can do’ ethos of the team.

Outside working hours he spends most of his time in the garden or on DIY projects, but would rather be cycling or walking with his family.

Contact us

Monika Wyszomirska

Operations Manager

Monika joins us from a city based legal company and is now responsible for all our production data management needs.

She brings a Master’s Degree in Human Resources Management, a Bachelor’s Degree in Accountancy and a passion for data and detail. So facts, figures and colleagues are in safe hands!

Contact us

Carol Sarreti

Head of Marketing

Previously worked in a marketing role in the Insurance Sector and worked for Lloyd’s of London as an attorney in the City too, so no stranger when it comes to attention-to-detail and accuracy in the financial sector. Graduated in law from the University of Warwick and is level 4 qualified with the Chartered Institute of Marketing.

A wordsmith who loves anything arty. Has been known to paint abstract expressionist paintings and is fond of long-distance walking. Happiest when travelling, and spending time with the family.

Contact us

Adam Griggs

Group Chief Financial Officer

A highly experienced fellow of the Institute of Chartered Accountants in England and Wales and graduated in law at the University of Birmingham. Prior to working at CommittedGiving, Adam held several Chief Financial Officer roles in a variety of sectors, including travel and leisure, manufacturing, and retail.

An amateur musician, Adam plays keyboards and guitar and, once upon a time, did the backing vocals in a cover band. Adam also loves classic cars, restoring old cars, and riding motorcycles. He once spent three years restoring a classic mini with his son and rides a BMW R1250GS motorbike which has taken him to many places, including all the way around the NC500 in Scotland and down to the Black Forest in Germany.

Contact us

Terri Keadin

Head of Human Resources

I am a Chartered Member of the Chartered Institute of Personnel and Development and have worked in HR for a number of years in various business sectors including retail, logistics, professional services and the motor industry. When not in work I enjoy running, baking and walking my dogs.

Contact us