I recently insured my motorbike. I did it on the 'phone and when it came to paying, I had to input the numbers on my keypad, so, as the feller I was speaking to said, nobody actually got my details. Very good, thought I. A day or two later I checked my bank account and I noticed the amount for the insurance had been taken out twice.
Obviously I called them back and they apologised and said one of the payments would be returned. Jolly good, I thought. But then it occurred to me that they didn't have my account details, so I expected to either get a call or perhaps have to call them again when nothing happened. Two days later, they had refunded the required amount into my account. Hmmmm....