<prompt> Human: I should start Im in the U.K, if this is the wrong sub I apologise but Ive seen the wonders you guys have done to help others and Ive begun to really struggle.So in late September i awoke to find a sum of 250 had been removed from my account by my utility company, immediately setting me into my overdraft luckily got it covered so I immediately got on the phone to a representative who told me he cant understand why its happened and apologises, the standard stuff. A few weeks later he then tells me we can reverse the order, but another week passes and I receive nothing.. in still ringing and emailing throughout this, he then tells me they will send a cheque out, another two weeks pass and I receive nothing and now he has told me they plan to pay it directly into my bank, once again a couple of weeks to nothing. I had originally opened a complaint, but after the direct payment process I closed it. I now feel like an idiot This side of Christmas that money is hella important and is direly needed. Its to the point where I think my time should be compensated at this point. Thanks again for any help.  <response>: Was it a direct debit?You can reclaim the money withon 24 hours, through your bank. Under the direct debit indemnity scheme.It protects you from unauthorised changes to your direct debits. The bank refunds the money and requesta it back from the company at a later date, all you need is to state you didnt authorise the amount. 