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Just to put things into perspective with this new version of the online Drect Debit Manager - I checked to see if it was possible to lower my direct debit payments by 81 pence, for one month.
It is... so long as I make a one-off payment of £200, putting me in credit by £308.
Is that fair?
No it's not fair and a completely new tactic, let's hope it does not last.