You have the right to cancel your direct debits at the bank as part of maintaining control over your finances. If a creditor isn’t being reasonable about a hardship request or direct debits are leaving you with no money or default fees/overdrawn accounts, get in there and stop them.

“But the bank says I can’t do that!”

Knowledge of frontline bank staff when it comes to stopping direct debits is a recognised problem in the banking industry and has been for years. Over 50% of frontline bank staff surveyed by the CCMC  in 2017 still did not know that you have this right, despite eleven years compliance checks and recommendations.

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