Hello all, I hope someone can advise me on this situation. My direct debit agreement with TalkTalk has been for my phone and broadband account. At the outset it was agreed that payment would be on the 7th of the month, mainly because I am paid on the last day of the month. All was OK until March this year when I received a bank statement which showed that they had taken my payment on 2nd March(not a problem) and another one on the 29th March which was returned due to lack of funds. This resulted in my incurring a £15-00 charge from my bank. I was under the impression that I should be notified in advance of any proposed change to the agreement. Any ideas?