The Direct Debit Guarantee is provided by all banks and building societies that accept instructions to pay by Direct Debit. It is one of the main factors contributing to the success of the Direct Debit Scheme because it provides assurance to the payer that any monies taken in error by the Direct Debit Service User will be refunded immediately by the payer’s bank.
The Guarantee offers complete protection from any errors that may occur, giving payers the confidence to utilise Direct Debit to easily and securely pay regular bills, fees and donations.
You have cancelled your Direct Debit subscription, however, the organisation has continued to debit your bank account for subscription fees for two consecutive months after cancellation. The next move is for you to contact your bank and claim back the exact amount taken in erroneous debits from the organisation. The bank will issue you with a full and immediate refund and then instruct the organisation in question to pay them the monies owed to them. However, should it turn out in the following days that you were still under contract with the organisation, you must pay them back when they ask you to.
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