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  1. I was told by someone at my bank a while back that the only way to be 100% sure of stopping a direct debit payment coming out of my account, was to close the account and open another which would obviously have different details. To be honest I didnt think there was much possibility of what I had been told being correct, but after having 2 direct debit payments removed from my account after that arrangement had been cancelled by me, what I had been told was then grudgingly confirmed by the banks fraud department! So before setting up a direct debit mandate, its worth remembering that there is nothing you can do to stop payments being taken, short of what I had to do, which was to threaten those involved with immediate legal action should the payments continue for any reason! The direct debit guarantee scheme appears to be a complete waste of time, unless you action any untoward payments within a few days of them being taken, which in many cases is quite impossible.
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