[tialaramex]

Although, you need your bank to actually fulfil the guarantee, depending on how terrible your bank's customer service is, this may be a lot of trouble.

I've actually done this (use the DD Guarantee to unwind bill payments I didn't want paid) with my good bank and it was a pleasure, no trouble at all. But I can imagine that a bank with bad customer service is going to make it a nightmare that will suck up hours of your life.

[falsedan]

I doubt it, they might lose their banking license over it.

SEPA direct debits allows for R-transactions to unwind a collection up to 13 months after execution, no questions asked, it’s wild.