Do watch out for bank charges over direct debits or standing orders when you 'think' an account has been closed. The Royal Bank of Scotland
charged my son (who'd emigrated and stopped his account which used to pay a tiny standing charge to a subscription - because they'd been unable to make the payment; reason was, the organisation to which the sub went, had closed down! Three years later, they were still making this charge for not being able to make a payment to a non-existent organisation, and then began involving me with threats that my own credit worthiness would be affected... I chose to pay up to prevent this happening, but then found the Bank had taken more than I'd authorised (IN WRITING).
Fortunately, I'd followed up all my calls with a formal letter to confirm my ageement to make payment, giving dates and times and even listing the Bank's employees names and phone extensions I'd been dealing with. But it was only when I contacted the Banking Ombudsman that they cleared everything up, even paying compensation. I'm still awaiting PlusNet's explanation.
