The Direct Debit guarantee is offered by all banks and savings and loans companies that take part in the Direct Debit Scheme. The efficiency and security of the Scheme is monitored and protected by your bank or savings and loans company. They guarantee that:

• If an error is made by the organisation or your bank or savings and loans company, you will receive a full and immediate refund from your branch of the amount paid.
• You can cancel a direct debit at any time by writing to your bank or savings and loans company. Also send a copy of your letter to the organisation. You would however have to give a reasonable notice to the company/service provider and make alternative arrangements to pay all outstanding debits.