Hi , I hope someone can give me some advice.. I recently entered into a debt management program with Step Change as I can not afford the repayments on my personal loan with Santander. I cancelled my d/d online (my bank is Natwest) filled in the income / expenditure form a nd sent it to Santander after my April payment went out(giving them notice) a nd sent an offer letter of £1 a month subject to review in 6 months and enclosed a cheque for said amount for my initial payment. I received a letter asking me to telephone Santander however I wrote to them asking for all correspondence to be in writing. They sent me a letter towards the end of April agreeing to my/Step Changes Terms and I felt like all the weight had been lifted!! Today I have checked my account and Santander have re-instated my d/d and taken£189.00 (original repayment) leaving me potless!! I guess what I want to know is can I get my money back and how I approach them?? Thank you in advance.