I have had problems with standing orders in the past that is why I keep control of them myself. I've brought up the question too about them being returned to companies and my bank at that time said that many didn't process them or inconveniently lost them and problems like this one arrives Even things that say should be paid by DD I pay by SO and then I am in control, had spats with them too about it, but you will find that companies are understanding. On their ping=pong systems, I would have got in touch with them when it arrived back again and asked them what they were playing at.

Just had a thought and I think its relevant. Standing Orders are controlled by you, the other person sent the forms back to you for YOU to set them up, they are not like a Direct Debit which the other person controls. Sorry, but my conclusion on this is that you owe the money as its your fault for not doing this.

Its been a very astrological week what with the solstice and the lunar eclipse and of course the start of the astrological sign of Cancer which is enough to make anyone crabby,