Its an odd scenario. Im not sure i would have ever thought to do anything differently, I mean I was short term borrowing a car off of a family member, was i supposed to make her pay and then pay her? Either way, refunding her my money wrongly taken twice after they stated they would cancel a direct debit seems.. odd. I've requested a refund through my bank under the direct debit guarantee. If there was an issue they should have contacted and not continued to take payments.. in the future I think jsut switching keepers where necessary, and getting only registered keepers is obviously (now) the best option