Cancelled my Debenhams Card a year ago due to a billing error but decided to give it another go before Christmas. Set up a direct debit in November. Checked my bank account to find that the first debit payment had been rejected. Fought my way through the automatic answering service to eventually talk to someone at Santander to be told it was a mistake, and the that the £12 refusal charge would be refunded. Had to pay the outstanding balance over the phone there and then by ceredit-card. Assured everything would be ok in future. Then... read full review »