pain.008.001.02 — mandate signed after the collection

<?xml version="1.0" encoding="UTF-8"?>
<!--
  ValidateFin sample file — SEPA Direct Debit, pain.008.001.02, CORE scheme.
  Expected validation result: INVALID — exactly one error.

  Deliberate defect: the mandate signature date (DtOfSgntr = 2026-04-10) is LATER
  than the requested collection date (ReqdColltnDt = 2026-03-05). A debtor cannot
  be debited under a mandate they had not yet signed, so the bank rejects the
  collection. Everything else in this file is correct: the IBANs pass mod-97, the
  ICS passes ISO 7064 MOD 97-10, and the control totals match.

  All parties are fictitious.
  Reference page: https://validatefin.com/en/resources/samples/sepa-pain008-invalid-mandate-date
  License: CC-BY-4.0
-->
<Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain.008.001.02"
          xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
  <CstmrDrctDbtInitn>
    <GrpHdr>
      <MsgId>SDD-CORE-20260302-002</MsgId>
      <CreDtTm>2026-03-02T09:20:00</CreDtTm>
      <NbOfTxs>1</NbOfTxs>
      <CtrlSum>90.00</CtrlSum>
      <InitgPty>
        <Nm>Editions Lumiere SARL</Nm>
      </InitgPty>
    </GrpHdr>
    <PmtInf>
      <PmtInfId>PMT-SDD-20260302-B</PmtInfId>
      <PmtMtd>DD</PmtMtd>
      <NbOfTxs>1</NbOfTxs>
      <CtrlSum>90.00</CtrlSum>
      <PmtTpInf>
        <SvcLvl>
          <Cd>SEPA</Cd>
        </SvcLvl>
        <LclInstrm>
          <Cd>CORE</Cd>
        </LclInstrm>
        <SeqTp>FRST</SeqTp>
      </PmtTpInf>
      <ReqdColltnDt>2026-03-05</ReqdColltnDt>
      <Cdtr>
        <Nm>Editions Lumiere SARL</Nm>
        <PstlAdr>
          <TwnNm>Paris</TwnNm>
          <Ctry>FR</Ctry>
        </PstlAdr>
      </Cdtr>
      <CdtrAcct>
        <Id>
          <IBAN>FR7610107001011234567890129</IBAN>
        </Id>
        <Ccy>EUR</Ccy>
      </CdtrAcct>
      <CdtrAgt>
        <FinInstnId>
          <BIC>CCBPFRPP</BIC>
        </FinInstnId>
      </CdtrAgt>
      <ChrgBr>SLEV</ChrgBr>
      <CdtrSchmeId>
        <Id>
          <PrvtId>
            <Othr>
              <Id>FR72ZZZ123456</Id>
              <SchmeNm>
                <Prtry>SEPA</Prtry>
              </SchmeNm>
            </Othr>
          </PrvtId>
        </Id>
      </CdtrSchmeId>
      <DrctDbtTxInf>
        <PmtId>
          <EndToEndId>E2E-SDD-2026-0310</EndToEndId>
        </PmtId>
        <InstdAmt Ccy="EUR">90.00</InstdAmt>
        <DrctDbtTx>
          <MndtRltdInf>
            <MndtId>MNDT-2026-000042</MndtId>
            <!-- Defect: signed after the collection date below. -->
            <DtOfSgntr>2026-04-10</DtOfSgntr>
            <AmdmntInd>false</AmdmntInd>
          </MndtRltdInf>
        </DrctDbtTx>
        <DbtrAgt>
          <FinInstnId>
            <BIC>PSSTFRPP</BIC>
          </FinInstnId>
        </DbtrAgt>
        <Dbtr>
          <Nm>Camille Rousseau</Nm>
          <PstlAdr>
            <TwnNm>Lyon</TwnNm>
            <Ctry>FR</Ctry>
          </PstlAdr>
        </Dbtr>
        <DbtrAcct>
          <Id>
            <IBAN>FR1420041010050500013M02606</IBAN>
          </Id>
        </DbtrAcct>
        <RmtInf>
          <Ustrd>Abonnement 2026 - facture AB-2026-0042</Ustrd>
        </RmtInf>
      </DrctDbtTxInf>
    </PmtInf>
  </CstmrDrctDbtInitn>
</Document>