I have close brothers as a direct debit aggrement for my car insutance via a broker , this is the fifth year running, i and the broker has requested the 18th of every month for my money to be taken ,they always take it about a week early , i have a standing order to put funds in my account every month on the 16th , so there early attempt can default, 5 years running this has happened , so you will inccur a charge on there behalf , they never follow up the brokers instructions , iam sure they get away with this a lot , a lot of people just roll over, NEXT TIME IF THIS HAPPENS ,I WILL NAME AND SHAME IN A BIG WAY ,YOU CHANCERS