No need to be nervous of either the SEPA direct debit scheme or UK dd scheme.
SEPA dd scheme rules:
- During the eight weeks following the direct debit date, the payer has the possibility of requesting a refund without having to provide any justifications. This is the right to a ‘no-questions-asked’ refund.
- If the transaction was unauthorised(i.e. the collection does not relate to the signed mandate), the payer can ask for a refund up to 13 monthsafter the direct debit.
UK dd scheme rules:
Welcome to the home of Direct Debit, the UK's favourite way to make payments automatically.
www.directdebit.co.uk
- If an error is made in the payment of your Direct Debit, by the organisation or your bank or building society, you are entitled to a full and immediate refund of the amount paid from your bank or building society
So basically, if an amount is taken that you disagree with, your bank has to return it to you.
Fyi, most UK banks are members of the SEPA CT (credit transfer) scheme. However, less UK banks are members of the SEPA direct debit scheme. This constantly changes, so worth checking with your bank, even if someone states that they’ve previously checked.