From the Irish Payment Services Organisation's Guide to Direct Debits, :
Cancelling and amending a direct debit instruction.
[FONT=Verdana,Verdana]The payer can cancel or amend the Direct Debit instruction at any time by informing their Bank in writing. They should also inform the Originator. All correspondence should be retained. [/FONT]
[FONT=Verdana,Verdana]The payer’s Bank will then inform the Originator of the cancellation or amendment. [/FONT]
[FONT=Verdana,Verdana]If the instruction is cancelled no further collections are permitted.[/FONT]
[FONT=Verdana,Verdana]If it is established that an unauthorised Direct Debit was charged to a Payer’s account the Payer is guaranteed a prompt refund by their Bank. [/FONT]
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[FONT=Verdana,Verdana]It also mentions in another section that the originator (i.e. your insurance company) must give 14 days notice of any change in amounts or collection dates. [/FONT]
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[FONT=Verdana,Verdana]I'd get onto the bank and get them to stand over the cancellation points and get onto Allianz and get them to stand over the 14 days notice point. [/FONT]
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[FONT=Verdana,Verdana]Allianz might give you a line about the the amounts varying because it's a direct debit, but if Allianz have signed up to the direct debit scheme, then they have to abide by these rules.
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