[Nextgrid]

How hard is it to get those debits reversed?

Here in the UK while it's super easy to set up a fraudulent direct debit on someone else's account details, it's equally easy to claim those payments back (and the scheme guarantees you the right to be able to claim a payment back for any reason, doesn't even have to be fraud - the merchant can of course still chase you if you've declined a legitimate payment you owe them).