Hi Am transfering some data from one External HDD to another - about 40gb worth. However, i have noticed that the transfer speed is only 84kbs. Doesn't need a rocket scientist to work out that this is going to take ages. Any idea why the transfer is so slow?

The Bank Refund is called an indemnity Claim and is covered in Section 11 of BACS's Service Users guide and rules to Direct Debits. This is what your DD Guarantee refers to when it says that you are entitled to a full and immediate refund

It looks like that this is a quote from BACS's Service User guide and rules to the Direct Debit Scheme. If so, then this only applies between Service User (the creditor who is claiming the DD) and the paying Bank. When you (The debtor) performs and indemnity Claim via your bank, the bank have to refund you immediately and in full. The bank then claim the monies from the creditor (Service User). The Service User has 14 days in which to dispute the claim from the bank. If it does not then the bank has the right and obligation to take the money themselves, automatically. From a consumer's perspective (the debtor), I believe an indemnity Claim can be made for up to 6 years from date of payment. if you wish to claim further back than that i beleive you would have to sue.

Evening and a Happy New Year from a Newbie! It amazes me that the amount of people / consumers who use, but know nothing about how Direct Debits (DD's) work, or should work, is amazing. How many times does a creditor take a different amount to the one agreed with yourselves or how many times does your Direct Debit claim date change? Are you even remotely aware that any Service User (Creditor) who uses the Direct Debit scheme within the UK has to agree to and follow (supposedly) strict regulations imposed by BACS who govern the DD scheme within GB? A few tips for you. When setting up a Direct Debit, a Direct Debit guarantee MUST be issued by the creditor in writing or verbally over the phone. this outlines what the creditor must do with your DD and also your rights if the DD changes or is collected incorrectly by the creditor. Within the DD Guarantee it MUST state how many (WORKING) days notice the creditor will provide you IF the date AND/OR value of the claim changes FOR ANY REASON. This is also called an "Advance Notice" and is covered under section 4 of BACS's Service Users Guide and Regulations to the Direct Debit Scheme. Usually an Advance Notice is issued in the form of a Bill / Invoice. It is worth noting that the Advance Notice period DOES NOT commence until it is received by yourself. A Direct Debit CANNOT and MUST NOT be claimed EARLIER than the agreed date between yourself and the creditor and nor can it be claimed ANY LATER than 3 working days AFTER the agreed collection date. If it is then your creditor is in breach of BACS's regulations and you would be fully entitled to perform an indemnity Claim from your bank. An Indemnity Claim MUST be paid immediately (not next day) AND in FULL to you by your bank (not in part payments). This is covered in Section 11 of BACS's Regulations. With this in mind, you will now be able to keep a more accurate eye on your Direct Debits and you will see just how many creditors are in breach of Direct Debit rules. Each one of these breaches should be reported to BACS themselves at servicedesk @ bacsservices.co.uk