Loan Payments - Taking additional payments

[Odie]

Twice now a certain building society has taken additional loan payments after a loan has been paid. The first time happened 3 years ago and then this month its happened again.

They are pretty good about it and I got my money back last time even if it took 2 weeks and i received a cheque.

2 reasons ive posted,

I wondered if this has happened to anyone else?

And mainly to warn people that this can happen. So be aware of when your loan is finished.

[itsnotarace]

If it's paid off then cancel the DD

[Odie]

itsnotarace said:

If it's paid off then cancel the DD

But if they try to take a payment and the direct debit has been cancelled wont that effect your credit rating or have some other knock on effect?

[itsnotarace]

Not if the loan amount has been paid off, how can it?