---
title: "List BACS Direct Debit indemnity claims [beta]"
method: GET
path: "/v1/payments/bacs/directdebit/claims"
tags: ["BACS direct debit"]
---

# List BACS Direct Debit indemnity claims \[beta\]

`GET /v1/payments/bacs/directdebit/claims`

## Request

- Base URL: `https://sandbox.pismolabs.io/bacs`
- URL: `https://sandbox.pismolabs.io/bacs/v1/payments/bacs/directdebit/claims`
- Auth: none declared. Required headers: `Authorization`

List DDIC claims for an account. 

This endpoint takes an account token - an access token encoded with a Pismo account ID.  The account is parsed from the token. 

This endpoint does not return claim reversals.

## Query parameters

- `id` string
- `status` 'CREATED' | 'PROCESSING' | 'CONFIRMED' | 'FAILED'
- `beginDate` string
- `endDate` string
- `afterId` string
- `pageSize` integer

## Headers

- `Authorization` string, required
- `x-cid` string

## Response `200`

Paginated list of DDIC claims

- ListingClaimListResponse: Paginated list of DDIC claims
  - `items` ListingClaim[]
    - `id` string: Pismo-assigned local claim ID
    - `org_id` string: Organization/tenant ID
    - `account_id` integer: Account ID
    - `claim_id` string: Form3-assigned claim ID. (Scheme reference. Omitted until the claim is submitted.)
    - `status` 'CREATED' | 'PROCESSING' | 'CONFIRMED' | 'FAILED': DDIC claim / claim-reversal lifecycle status_reason: * `CREATED`—Claim persisted, pending submission to the scheme via Form3. * `PROCESSING`—Claim submitted and in flight through Form3 / the scheme. * `CONFIRMED`—Claim delivery confirmed by the scheme. Terminal state. * `FAILED`—Claim rejected or failed validation/submission. Terminal state.
    - `reason_code` '1' | '2' | '3' | '4' | '5' | '6' | '7' | '8': Direct Debit Indemnity Claim (DDIC) reason code. BACS DDIC scheme rules that indicate why the indemnity claim is being raised: * `1`— The amount and/or date collected differs from the advance notice. * `2`— No advance notice was received (or the payment was collected earlier than notified). * `3`— The Direct Debit Instruction (DDI) is disputed / no valid mandate is held. * `4`— The payer canceled the DDI directly with the service user. * `5`— The account holder is deceased. * `6`— The payer canceled the DDI with their bank. * `7`— Claim raised at the service user's request. * `8`— Service user name disputed / the payer does not recognise the collecting service user. Conditional fields: * `3`—`processing_date` is **REQUIRED**. * `7`—`contact_name` and `request_date` are **REQUIRED**.
    - `reference` string: Claim reference. Must begin with `DDIC` followed by 2-6 alphanumeric characters (maximum length 18). BACS reserves the `DDIC` prefix for indemnity-claim references.
    - `clearing_id` string: Six-digit clearing ID for the mandate
    - `original_instruction` ClaimOriginalInstruction: Original Direct Debit Instruction (DDI) the claim relates to
      - `clearing_id` string, required: Six-digit clearing ID for the mandate
      - `reference` string, required: Original Direct Debit Instruction reference
    - `disputed_transactions` ClaimDisputedTransaction[]
      - `amount` string, required: Disputed transaction amount
      - `date` string, date, required: Disputed transaction date. Format = YYYY-MM-DD.
    - `number_of_transactions` integer: Number of transactions
    - `processing_date` string, date: Processing date. Format = YYYY-MM-DD.
    - `contact_name` string: Contact name
    - `request_date` string, date: Request date. Format = YYYY-MM-DD.
    - `reason` string: Free-text reason for reversal
    - `created_at` string, date-time: Created at date-time. RFC 3339 format
    - `updated_at` string, date-time: Updated at date-time. RFC 3339 format
  - `next_page` boolean: Are there more results?
  - `after_id` string: Pagination cursor to pass as query parameter to get the next page

## Other responses

- `400`: Bad Request
- `403`: Forbidden
- `500`: Internal Server Error

---

[API](https://skmtc.dev/pismo/apis/payment-rails-bacs-payments.md) - [All operations](https://skmtc.dev/pismo/apis/payment-rails-bacs-payments/llms.txt) - [OpenAPI document](https://skmtc.dev/pismo/apis/payment-rails-bacs-payments/revisions/d0f145ee1aba?raw)