kahurangibob Not the case. I myself love Direct Debits and are a great instrument for making your life easier and having those payments managed by the Initiator.
If there is any dispute around taking funds and no authority is in place, then the banks follow this up with the bank of the initiator and there are strict terms and conditions that must be followed.
The only difficult are is where there is a dispute between service provider and customer around say those terms and conditions, eg Gym’s with minimum 1 years contract and the customer disputes this and then the service company debits say for the next instalment, that’s where it gets messy, but if the initiator has followed all the Direct Debit rules and conditions, then it is out of the banks control.
Sorry did not want to give the impression Direct Debits are not good, I think they are and serve a good purpose.