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7.10.4 Direct deductions by instalments can be performed by direct deductions from a debtor's wages/salary or from funds held in a financial institution. This action is initiated at the debtor's request by approaching the relevant authority. It should be remembered that the debtor can revoke this action at any time. payments are often referred to as 'periodic payments', 'programmed payments' or 'direct debits'. repayment method is advantageous to both the debtor and to the Department. The Department receives regular payments on time and the debtor does not have to take the time to make manual payments to the Department. further information and procedures relating to direct deductions, refer to Chapter 11 of the Agency Banking and Cash Management Procedures Manual which can be found on the Department's intranet site.