Debit Order Terms & Conditions

South African debit orders:

• Your debit order is being administered by Foschini Retail Group (Pty) Ltd (“TFG”)
• You need to complete a debit order mandate either at time of opening your TFG Account or TFG Big Buy Account or at a later stage to have an effective debit order in place.
• If your banking details have not been provided accurately, or if your banking details change at any time in the future and you fail to notify TFG of such changes, or if payments are not made in accordance with the debit order mandate, the responsibility for payment will rest with you.
• If there are insufficient funds in your bank account to meet your obligations, TFG is entitled to track your account for no more than 5 days and re-present the instruction for payment as soon as sufficient funds are available in your account.
• We reserve the right to track and present your account for earlier payment over the December period as per the SMS notification you will receive prior to presenting the debit order
• You agree to pay any bank and other charges relating to your debit order mandate.
• All payment instructions issued by TFG shall be treated by your bank as if the instructions have been issued by you personally.
• Your debit order mandate may only be cancelled by you giving TFG 30 (thirty) days’ notice in writing.
• You will not be entitled to any refunds of amounts which have been withdrawn from your bank account while your debit order mandate was in force, if such amounts were legally owing to TFG. Such cancellation will not cancel your TFG Account or TFG Big Buy Account.
• Your debit order mandate cannot be assigned to any third party, unless your TFG Account or TFG Big Buy Account is ceded or assigned to a third party, in which event you acknowledge that your debit order mandate may then be ceded or assigned to that third party.
• Receipts of your debit order mandate by TFG shall be regarded as receipt thereof by your bank.
• The abbreviated name that will reflect on your bank statement is TFGACCOUNT.
• You will be sent an SMS to authenticate your DebiCheck debit order. Should you fail to authenticate this, TFG reserves the right to debit your bank account with the agreed value on the agreed date as a Registered mandate service. Should you decline the authentication, TFG reserves the right to debit your bank account with the agreed value on the agreed date as a Standard Debit order.

What this means for you as a Customer:

• If you do not give us your correct banking details, or if your banking details change at any time in the future and you don't let us know about this, you will still be responsible for making sure that your TFG account is paid every month.
• When we try to take money from your account in terms of the debit order instruction that you have given to us, and we see that there is not enough money in your account to cover this debit order, then we will keep tracking your bank account until we see that money has come into your account and it is enough to cover the debit order amount. We will then deduct the instalment owed to us.
• If the bank charges fees for the debit order, you must pay these fees.
• Your bank will see all instructions that we give it to take money from your account, as if instructions have been given by you.
• You must give us 30 days' notice to cancel your debit order. If we take money from your bank account that is owed to us while your debit order is in place, during this 30 day period, we will not refund you this amount. If you cancel your debit order, it won't affect your credit agreement that you have with us.
• We cannot transfer any of our rights that you have given us under this debit order to any other party, unless we transfer all of our rights in your credit agreement to another party.
• We will treat this debit order instruction as if your bank has given it to us.

TFGACCOUNT is what will reflect on your bank statement when we take the money from your account.

Namibia ENDO debit orders:

• Your debit order is administered by Fashion Retailers (Pty) Ltd, registration no. 821, also referred to as “TFG”
• If your banking details have not been provided accurately, or if your details change at any time in the future and you fail to notify TFG of such changes, or if payments are not made in accordance with the Debit Order Instruction, the responsibility for payment will rest with you.
• If there are insufficient funds in your account to meet the obligations, TFG are entitled to track your account for no more than 5 days and re-present the instruction for payment as soon as sufficient funds are available in your account
• TFG reserves the right to track and present your account for earlier payment over the December period as per the SMS notification you will receive prior to presenting the debit order
• You agree to pay any bank and other charges relating to this Debit Order Instruction.
• All payment instructions issued by TFG shall be treated by your bank as if the instructions have been issued by you personally.
• The amount deductible will vary, depending on the spend on your account and will be calculated in line with the balance as per your credit agreement
• In the event that the payment day falls on a Sunday, or recognised Namibian public holiday, the payment day will automatically be the preceding ordinary business day.
• Arrear collections may be collected via a fixed separate mandate
• If there are insufficient funds in the nominated account to meet the obligation, TFG are entitled to track my account and re-present the instruction for payment as soon as sufficient funds are available in your account.

Disputes: 

• You have the authority to dispute your debit order if there was a contravention to your mandate as per the Payment Association of Namibia (“PAN”)
• This Authority and Mandate may be cancelled by you/us however, such cancellation will not cancel the Agreement.
• You shall not be entitled to any refund of amounts which you may have withdrawn while this debit order instruction is in force, if such amounts are legally owing to Fashion Retailers TFG.

What this means for you as a Customer:

• If you do not give us your correct banking details, or if your banking details change at any time in the future and you don't let us know about this, you will still be responsible for making sure that your TFG account is paid every month.
• When we try to take money from your account in terms of the debit order instruction that you have given to us, and we see that there is not enough money in your account to cover this debit order, then we will keep tracking your bank account until we see that money has come into your account and it is enough to cover the debit order amount. We will then deduct the instalment owed to us.
  If the bank charges fees for the debit order, you must pay these fees.
• Your bank will see all instructions that we give it to take money from your account, as if instructions have been given by you.
• You must give us 30 days' notice to cancel your debit order. If we take money from your bank account that is owed to us while your debit order is in place, during this 30 day period, we will not refund you this amount. If you cancel your debit order, it won't affect your credit agreement that you have with us.
  We cannot transfer any of our rights that you have given us under this debit order to any other party, unless we TFG transfer all of our rights in your credit agreement to another party.
• We will treat this debit order instruction as if your bank has given it to us.
• TFGACC is the abbreviated name that will reflect on your bank statement when we take the money from your account.