Anyone that sets up direct debits with billers and so on: when do they normally debit the charge?
I've signed up with Vaya mobile and they have direct debit (in fact, they almost force it onto you), but reading the bill, the text seems to imply that the debit will be made on the due date (or the Friday if the due date falls on a weekend).
What kind of logic is there in setting the debit date to be the due date? So that if your debit somehow fails (including for reasons beyond your control, i.e. not that you're just out of money), they can extract more cash out of you for late fees?