Switching service guarantee and DD

If after you do a full switch using the switching service any DD fail who do you contact? Particularly as nowadays it’s seems impossible to actually talk to a real person! One of these DD is with a credit card company who I know love to slap on non payment charges at the drop of a hat. So if that should fail is it better to have any charges applied and let the bank sort it out. Or pay it on the day by debit card? Of course hopefully everything will go smoothly but you can never tell as recent experience has told me!


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