Unauthorised debit orders

At the beginning of 2025, B3 Funerals formally terminated its underwriting relationship with Clientele. Following this change, I was requested to elect whether I wished to remain with Clientele as my underwriter or transition to RMA. I expressly chose to move to RMA, thereby ending any contractual relationship with Clientele.

I subsequently received my policy schedule from RMA and continued paying my B3 premiums via Payat. At no point did I authorise Clientele to retain or initiate any debit order against my bank account. Despite this, Clientele—via Netcash—has been processing monthly debit orders without my knowledge, consent, or signature.

Since September 2025, Clientele and Netcash have ********ly and without mandate accessed my bank account and withdrawn funds to which they have no contractual or legal entitlement. This has resulted in me being double-billed for the same policy for three consecutive months by both B3/RMA and Clientele/Netcash.

My position has been unequivocal from the outset of the year: I did not and do not consent to continuing with Clientele as my underwriter.

Accordingly, I hereby demand the following: 1. The immediate reversal of all unauthorised debit orders processed by Clientele and/or Netcash. 2. The removal of my banking details from all Clientele and Netcash systems. 3. The immediate cessation of all further debit attempts, whether manual, automated, or via third-party processors.

Failure to comply will leave me with no option but to escalate this matter to the relevant regulatory bodies, including but not limited to the Financial Sector Conduct Authority (FSCA), the Ombudsman for Long-term Insurance, and my banking institution’s ***** department.