[tallrob]

I can’t really help with question two, but the main differences between Direct Debits (DD) and standing orders (SO) are:

> With DDs, the payee is given permission by the payer to withdraw money from the payer’s account pretty much as and when the payee wants. A DD is typically used to pay changing amounts of money such as credit card and energy bills.

>A SO is set up by the payer to transfer the same amount of money to the payee on a regular timescale, I.e £800 rent on the 26th of every month. The amount and frequency is totally controlled by the payer, but it is obviously done in accordance with the payee’s wishes. SOs are normally used for long term regular payments, such as mortgages and child maintenance.

Hope this helps 🙂

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