<prompt> Human: I had a lot of problems with my old landlord so I ended up moving out after the contract was over. Ive now moved into a new place and have been there for 2 months. The landlord emailed me a few times telling me I had outstanding rent which is just not true. Today, I found out my landlord has taken one months rent plus about 100 worth of late fees from my bank account. I dont know how he did this. If I go to the bank will they refund me the money? What options do I have? Im going to have trouble paying my current rent because of this shady landlord and Im not sure what to do.Assistant: How did the landlord take the money? Did he charge your card? If yes, simply dispute the transaction as unauthorized. He cannot prove otherwise. Even if you owe him money, he cant just take it. Hed have to go through small claims court.Human: Im not sure. I think I had it set up as a bill so I initially went to my bank, gave them the landlords information and set it up as a bill Im not sure whether bill is the right term. Whenever rent was due I would phone up the landlord, tell him there was money in my account and it would go out. Ill ask my bank when I have the time off work. So, will the bank just refund it then? Im a bit worried theyll just tell me its my own fault somehow and that theres nothing they can do.  <response>: You might have a direct debit set up. Thats often used for bills. Basically you give someone else permission to pull money from your account.Since that sounds really dangerous, there are a load of protections in place: If there are any changes to the amount, date or frequency of your Direct Debit the organisation will notify you normally 10 working days in advance of your account being debited or as otherwise agreed.And If an error is made in the payment of your Direct Debit, by the organisation or your bank or building society, you are entitled to a full and immediate refund of the amount paid from your bank or building societyEdit - a standing order is different as you specify an set amount of money to be sent and when. That doesnt sound like your case, as otherwise it would have gone out at the same time of the month as normal and be the same amount as normal. 