Oh Mama Mia, Mama Mia....
Uhh..
The second one. Definitely the second one. When they were more prolific, we heard nothing but problems with the direct debit provider - people being turned away at the gate and having to call the company to have something sorted out delaying their entry into the park. Debit Success i think?
As someone who has just dealt with a direct debit stuff up (with a different provider for a different reason) that first started at more than $1000 overdue payable immediately, and after I paid in full, then realising it shouldn't have been $1000, so they agreed to refund $200 and stop the next month's payment, but instead of stopping the next month's payment, they took it twice, so then they ended up owing me close to $500, and after chasing them for a week to get it refunded, the refund amount was wrong.
So no, direct debit set ups are best left alone - especially with a provider that has shown an inability to prevent frequent issues.
I hadn't seen the e-gift card news @Brad2912 so thanks for letting us know.