Hello everyone, new here so sorry if I'm posting in the wrong section. My problem spans across a number of years and also relates to my times as a student. While in my last year in university i took out the 9 month student deal with virgin media for there internet package. I was only at the property 10 months and before i left the property the phoned to make sure that the contract had ended. I believed it had ended, and seeing as it was only a 9 month contract i believed that it would end after that amount of time regardless. That was around 3 years ago, iv recently bought a house with my girlfriend and while sorting our finances out i discovered that they had been taking out £20 a month for the past 3 years! I quickly got on the phone to them to resolve this issue and explained my situation, they said they had no record of me cancelling the contract and that if i didn't phone to cancel it they it would carry on, hence the 3 years of £20 payments. They had trouble finding my details on their system as i didn't have any account numbers or letters off them but eventually found it. They cancelled the contract and told me that no more payments would come out. So far they haven't. Now my girlfriend works for a bank and told me about a direct debit indemnity, i am yet to speak to my own bank about this but was wondering if anyone has any experience with this, or has been in a similar situation and what was the outcome? Any help would be greatly appreciated. Thank you. Daniel.