Hi - I recently cancelled a direct debit for a loan which I have as it was my intention to pay the whole amount off. The cancellation went through and I received a call from the company advising me they had received notificatoin the direct debit was cancelled - I explained what I was doing regarding the pay off.

Now today after checking my bank account the company have gone in under a different name and taken the amount off. I presume it to be the same company as it is for the correct monthly amount.

I have not authorised a direct debit - this is also left me being overdrawn in my bank account. What is my position regarding this - is this a bank problem as they have issued money to a company without my authorisation?

What steps should I take to claw back this money.