My first direct debit failed as I didn't have the money to cover it. I thought I had changed the date so it fell after my pay date but I was mistaken. As a result a £30 default fee was added. A direct debit failing is not a default. A default is if a payment is not made. I phoned to pay the next day and was told the £30 default charge stands. When I asked for a breakdown of the £30 default charge you were unable to provide this. I see no reasonable way that a direct debit failing could cost you £30 therefore the £30 is not a charge but a fine. A fine is a punishment and as a corporation you have no right to punish me especially for a misunderstanding. You effectively tried to extort me. I spent over an hour on the phone and tried to end my business with you, only to be told you would charge me a lot more to leave you (extortion again) What you do may or may not be legal but it is not morally right and not a way to treat your customers. I won't be returning and will be sharing my experience on social media. In the end the £30 was cancelled but only after speaking to 3 people. What a dispicable company you are! :-(