Your Rights
📚 UK Legal reference: Under the Direct Debit Guarantee, you are entitled to a full and immediate refund from your bank for any payment taken in error or without authorisation. The bank must process this refund immediately.
Steps to Get a Refund
Step 1: Identify the debit — date, amount, creditor
Step 2: Contact your bank — request refund under the Direct Debit Guarantee
Step 3: Cancel the mandate if needed
Step 4: Complain to the Financial Ombudsman if the bank refuses