- a document is sent to the bank with the original signature of the bank account owner. And even then, in case of doubt, most banks will check with their customer (by phone or otherwise) to make sure the direct deposit request is above board.
I believe I am right in saying that a company running a direct debit scheme in the UK does not need to forward anything to the bank when it is setup. They simple hold the copy of the direct debit application on file.
Also, in the UK was have paper less direct debits that can be setup online or over the phone, so your signature isn't needed.
They are however required to give you prior warning of a direct debit being made, but given that this can be via email (which in the case if a fraudulently setup direct debit probably won't be your email address), then the first thing you might know about a fraudulent direct debit is the money leaving your account.
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