Cheers for the advice, dx100UK. I won't cancel the DD. Regards, Suzymcc.

Thanks for the reply Martin, I'll give Vanquis a call first thing tomorrow. I might just cancel the direct debit with my bank & pay Vanquis manually. Thanks dx100uk. I kinda thought that, & now know it was too good to be true. I did make those payments voluntarily, so yes, I guess they haven't done anything wrong. I will phone them tomorrow to check up on this. Oh & by the way, because I made early payments, my statement said there was nothing pending for this month. That's why I assumed that they wouldn't take anything from my bank account on the 28th of November. Very misleading. Do you think that's why the DD was returned? Suzymcc.

I recently received a Vanquis credit card, to help build up my credit, & also to help out during Christmas. My minimum payment was due today(28/11/16), I have already paid Vanquis twice. Once on the 10th of November & again on the 23rd of November. A refund of £28 was also paid on the 24th of November. I don't understand why they have tried to take money from my bank account, when I have already paid them twice in one month. I was told that I can make early payments, & I am aware that I have set up a direct debit for Vanquis. They have tried to take a DD of £20 from my bank account, which has now been returned, because I didn't have sufficient funds in my account. does this mean that it doesn't matter if I make a payment early to Vanquis & I will still be debited on the same date as every month? I thought I was doing them a favour too, & in the end they have charged me a fee for not paying them on the intended date! There's a flaw in the plan man!