Deem Finance issued me a credit card for which I specifically asked their staff to setup a direct debit that clears the outstanding amount monthly. I was asked to sign a firm and told that the DD request would be done, and I may get a confirmation call from my bank. Two months later I'm told that a late fine has already been applied on my account and if i don't clear my outstanding bill my credit rating would be affected. I checked with my bank, and surely enough my direct-debit order had been setup even before my card had been shipped out. According to the guy heading customer service, the direct debit was setup but I hadn't signed the form - what sort of a stupid argument is this guy sticking to ?? Anyway, after persisting with an email exchange spanning 2 weeks, I'm giving up and going to the body that manages the conduct of financial institutions.