Bank statement charge
What is EMAC LTD on my bank statement?
Who charged you
EMaC runs car service plans for dealers and car makers and collects the monthly Direct Debits
EMAC LTD is EMaC, a UK company that runs car service plans for dealers and car makers and collects the monthly Direct Debits for them. The payment is usually an instalment for a service plan, or a similar maintenance plan, that was added when you bought a car from a dealership.
How it can show on a statement
EMAC LTD
Find out what it was
- 1
Look through the papers from your car purchase for a service plan agreement, and compare its monthly amount and plan number with the amount and reference on the statement line.
- 2
Search your inbox, spam folder and post for emails or letters from EMaC or the dealership about a service plan or a Direct Debit.
- 3
Open the Direct Debit list in your banking app and compare the date the EMaC entry was set up with the date you bought a car.
- 4
If you sold or traded in a car, check whether its service plan was cancelled or moved to your next car, since payments carry on until one of those happens.
- 5
Ask others in your household whether they bought a car with a service plan and pay it from this account.
- 6
Still a charge you did not agree to? File your complaint here. We write it with you and send it to EMaC, so you do not have to chase it yourself.
Not in any of your accounts? If nobody in your household made it, someone else may have used your card details. Your card issuer can stop the card, so the charges do not continue.
Why does it say “EMAC LTD”?
A service plan is sold by the dealer or the car maker, but the running of the plan is handed to EMaC, which collects the payments as their agent. EMaC says its name appears on your bank statement for these Direct Debits, and the plan terms of car makers such as BMW, Land Rover and Toyota say the plan administrator shows on your statement together with the plan's reference. That is why you see EMAC LTD and not the dealer's name or the car brand.
EMaC Ltd is registered as EMaC Limited and belongs to Innovation Group, a claims and services group that works for insurers and the motor trade. Its customer team works from Crewe. It runs plans for many dealer groups and car makers, including BMW, Toyota, Land Rover and Dacia.
Why you might see this charge
- The monthly instalment for a service plan you agreed to when you bought a new or used car at a dealership, which pays ahead for its routine servicing.
- A plan added to the paperwork at the dealership, so the first payment arrives soon after you collect the car, before the name EMaC means anything to you.
- A plan for another car in your household, such as one a partner or family member bought and pays from this account.
- Payments for a car you have since sold or replaced: a plan belongs to one vehicle and keeps running until it is cancelled or moved to a new agreement.
- A different monthly amount after the plan total was adjusted, for example when the VAT rate changed.
- A subscription warranty, cosmetic maintenance plan or tyre and alloy wheel maintenance plan, which EMaC also offers through dealers.
Is EMAC LTD legit?
Yes. EMaC Ltd is a real UK company, registered as EMaC Limited (company number 03158541) and part of Innovation Group. It administers service and maintenance plans for car makers and dealer groups and says its system supports around 2 million plans. An EMAC LTD Direct Debit normally follows a plan sold with a car.
The plan terms of BMW and Toyota say EMaC collects the money as their agent, and that the car maker, not EMaC, is financially responsible for the payments made into the plan. EMaC also says it has no link with outside cancellation services, which may charge you a fee.
Other charges people look up
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Questions about EMAC LTD
Who are EMAC LTD on my bank statement?
EMaC is the company that administers car service plans for dealers and car makers. It collects the plan's monthly Direct Debit, so its name shows on your statement instead of the dealer's.
Is EMaC the same as my car dealer?
No. The dealer or car maker sells the plan and the servicing is done at the dealership; EMaC runs the plan's paperwork and payments as their agent. Your service is still booked with the dealer.
What happens to an EMaC service plan when I sell my car?
A plan belongs to one vehicle. If you buy another car from the same dealer or dealer group, unused payments can often move to a new agreement. Otherwise it keeps running until it is cancelled, and its terms set what comes back: usually the money paid in, less the services used, management charges and any cancellation fee.
Why has my EMAC LTD payment changed?
The monthly payment follows the plan's total. Plan terms allow the total to be adjusted, for example when the VAT rate changes, and EMaC tells you about a change in writing.
What if I did not agree to an EMAC LTD Direct Debit?
File a complaint on Complain.biz. We write it with you and send it to EMaC, so you do not have to chase it yourself.
Based on
- FAQs: Your name appears on my bank statement. Who are you? (EMaC)
- Vehicle owners: payments, transfers and cancellations (EMaC)
- Service plan cancellations (EMaC)
- Car dealerships: service plans and EMaC maintenance and repair plans (EMaC)
- Our capabilities (EMaC)
- Regulatory information: part of Innovation Group (EMaC)
- Service plan terms and conditions: EMaC Limited as administrative partner (Land Rover UK)
- Aygo X service plan terms: payment administration (Toyota GB)
- Toyota Service Plan Plus terms: EMaC Limited as appointed administrator (Toyota GB)
- Pay Monthly Service Plan terms: EMaC Limited as Service Plan Provider (BMW UK)
- Service plans FAQ: EMaC handles your plan on behalf of Dacia (Dacia UK)
- EMAC LIMITED, company 03158541 (Companies House)
- Does anyone know who EMAC LTD are? (Astra Owners Network forum)
- Who are EMAC LTD? A car buyer's question about a new Direct Debit (Facebook group post)