> i can't imagine why a bank would initiate a direct debit without some > sort of affirmative authorisation. an address is not an authorisation. > at least some sort of PIN or other password should be required, if not a > signature.
And yet..that's what happens. For example, it's quite common to be approached by "charity muggers" on the streets, trying to sign you up to support various charities through a monthly (Direct Debit) donation. Typically, you give your name, address, bank account details and sign the form to setup the DD. You then get a confirmation letter (which is presumably what Clarkson ignored or didn't get) but the Direct Debit is activated without any further affirmative action by you. A signature IS required but presumably Clarkson's was forged. As I said earlier, I have a vague memory of reading that there is a new system where you can set up a DD without even a signature (in the UK) but not sure of the details..I could be wrong.. B
