We had insurance do this to us, we cancelled out policy 5 times(due to them changing our agreed value) and because they stuffed up I almost got a black mark from my car loan. I would transfer enough to cover my loan as I did not have the paperwork to change accounts to direct debit my loan and due to insurance taking the money I defaulted. I managed to get loan out of my new account 2 hours at their new office(lucky for me) and shut it down. They(insurer) had hide to send a letter saying your policy will be cancelled, which we rang abusively saying we cancelled many times and had to shut the account so you would stop taking our money.
I will never give those places permission to direct debit only my loans every thing else I pay b-pay