Paying extra for not using direct debit

[Rik]

That's how I understood it, Alan. Thanks for the quote.

[Niall]

First Direct told me no once last year, but when I asked for a copy of their T&Cs for DDs they rolled over, BACS is quite clear and is binding upon all member banks....

The Direct Debit Guarantee

    * If the amounts to be paid or the payment dates change, the organisation collecting the payment will notify you normally 10 working days in advance of your account being debited or as otherwise agreed
    * If an error is made by the organisation or your bank or building society, you are guaranteed a full and immediate refund from your branch of the amount paid
    * You can cancel a Direct Debit at any time by contacting your bank or building society. We also recommend you notify the organisation concerned.


No ifs, no buts.

Wish I'd known that at the time, I can tell you!