I had something similar happen a few months ago with Cetelem. They had agreed to change a DD date to after my pay date, but failed to (it eventually took them two months to do it properly). In each case it caused a problem with my Halifax account (either charges due to failed Cetelem DD, or another DD failing due to the Cetelem DD succeeding when it shouldn't have been presented. I phoned Cetelem and they waived their fee in for each of their failed DD's, and also paid the banks charges not only for their DD's but also for those that arose due to their DD being paid not leaving enough money for another due DD. I hope that made sense Of course, since the Halifax's charges were illegal I will, of course, be claiming for these from them too