Hi, I've just received a letter from my home insurance company to say that due to a banking error they were unable to take this months direct debit payment from my account and due to security reasons they're not permitted to apply for it again. They have requested that I either phone them, send a cheque or carry out a BACS transfer for the missing amount. It's totally legit because I can see that this months payment hasn't gone out. Am I legally bound to make the payment given that the error was out of my control? Just thinking I can save a few quid. They've confirmed that Im still covered for the period in question.