Well. He didn't sign it did he ?
So it was "unsigned"
I wasn't talking about Clarkson's, I was talking in general and pointing out it could be signed just incorrectly, so even from an individual or small business it could still get through. If they even bother checking.
And as such he is covered by The Direct Debit Guarantee and is entitled to a...
"full and immediate refund"
And if, as you suggest, they "didn't check" then that's their error, and the Direct Debit Guarantee covers that also.
You might get a refund, if and when you spot it. But it still means you have to keep your eyes peeled like a hawk. Plus you then have to prove that you didn't sign it as the bank won't want to write that cash off easily. All a bit too faffy and risky for me. I'd rather just not give those details out if there's other options.
Not to mention that fact that with a few extra details you can apply for loans in someone elses name etc.
Game, set and match right there.
Erm. no. And I don't believe standing orders are covered by the same rules as direct debits, but I don't have time to prove that, but I can see where he got confused with the clarkson comment.