Issues with direct debit payment - Have always had a DD to pay as this ensures that the payments are received and I dont get penalised. However, over the last 4 months my DD's never came out and I have received charges, I did contact customer services and a snotty advisor pointed out the T&C's of my credit agreement (which I totally understand) but my issue was with the fact that my payment failed even though I had the funds available. Although my DD is still, supposedly, in place I now make manual payments. Once repayed I will certainly be closing my account.