Unfortunately i somehow missed the box to untick to say i didn't want
>continuous payment, and they rekon as i have 'agreed' to pay them the full
>amount every year, they can automatically take it
They can't, things have changed. You can tell your bank to stop the payments. Some UK banks have been slow to accept that they have to stop such things if the account holder requests it, but they do.
See
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and
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and
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especially links in the second of those to documents on the FSA website.