Direct debit Big Stick
If you believe a direct debit has been overcharged, start by having your bank reclaim the disputed payment; First Direct did this in seconds over the phone for me once. That gets the attention of the business focussed, because after a very small number of breaches of the direct debit guarantee they lose the ability to use any direct debits at all. After the incident where I reclaimed a payment, the other financial institution involved changed its terms and conditions for dealing with cases where customers claimed fraudulent transactions. I couldn't have had that effect; but the banks did.
Biting the hand that feeds IT
