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Consumer Rights.

Direct debits & standing orders

Most of us aren’t 100% clear about the differences between standing orders and direct debits. Read our guides to find out the differences as well as how to cancel and what to do if money is taken from your account after you’ve cancelled.

How do I get money back that I’ve sent to the wrong bank account?

The code of best practice on ‘misdirected payments’ outlines how your bank should act in the unfortunate circumstance that you’ve sent money to the wrong account.

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I've been defrauded from a standing order or direct debit

If you've been defrauded from a false direct debit or a standing order that's gone astray you should get a refund. Read the Which? guide on how to go about this.

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Money has been taken from a cancelled direct debit, what can I do?

Sometimes recurring payments can be taken from your bank account even if you think you've cancelled a direct debit or standing order. Read the Which? guide on what you should do.

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I've been charged because my bank made a mistake on a direct debit

If your bank has made a mistake on your account resulting in bank charges, it's up to them to sort it out for you. Read the Which? guide to how you can claim for the loss.

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Template Letters

Free download

Letter to your bank to cancel a direct debit

Want to cancel your direct debit? Make sure you tell your bank and the organisation whose payment you're cancelling. Use our handy template letter to contact your bank.