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In the meantime we took another direct debit payment in error.
Subsequently we issued a cheque to cover this refund, including the additional direct debit payment".
Money reader Caroline Hazell bought a car last November and used the DVLA website to tax it, setting up the newly introduced monthly direct debit payment.
[The reader] then made an indemnity claim at her bank for January's direct debit payment (£61) to be returned to her – this put the account back into debt.
"I only arranged to change my direct debit payment to TalkTalk from First Direct to Santander on 19 January, using the TalkTalk website.
When paying a utility or other company directly, customers can log on to its Web site and authorize a credit card or debit payment.
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Switching to direct debit payments can save £100 a year.
CanPay offers a mobile app that lets customers make debit payments.
It has around 80% of the offline debit payments market in America, while MasterCard has about 20%.
In this response, Mr Cox suggested the bank should cancel the demand for the three months' missed direct debit payments.
In addition to missed payments and changes in habits such as direct debit payments, how else are these so-called high-risk customers being identified?
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Justyna Jupowicz-Kozak
CEO of Professional Science Editing for Scientists @ prosciediting.com