Where do i stand

[boywonder]

I have had a well known finance company taking a direct debit out of my account since Febuary this year. The account in question is of no relervence to me or my girlfriend. I have managed today to get the money back from the company. They said a mistake was made and somhow my account details had been used. They said no details were sent to the person in question. But every credit agreement i have had which involves direct debits always comes with a letter asking if the bank details are correct and if not let them know. The person in question has ignored the fact the details arent theirs and has let this go on for 7 months. I also dont understand how their security checks have not spotted that my bank details have no connection to her personal details. I would like to know where i stand legally and what to do next?

[dzug]

As YOU allowed it to go on for 7 months before challenging it I would suggest you be content with getting your money back.

You should have challenged it the first month, claimed the money back from your bank (not the finance company) and the DD would have been cancelled automatically. All you would have to have told the bank is that no mandate existed.