Re:Postcards from the Beyond (Score 1)

In Denmark we have a very successful and popular system called "BetalingService" (litterally "payment service"), where you manually add payment-agreements as the consumer.

Every month around the 25th you get a invoice, which payment day, amount and a description for each payment scheduled for the next month.
Some of your creditors send your full invoice in that system (as textlines), some only reference a invoice you got separately (by email for example) and some have the pdf invoices attached.

No matter what, you can cancel every payment with a click (in the dedicated app or usually also in your normal web-based e-banking system) until the 7th of the month, even if I was already paid for example on the 3rd (and you will then get the payment back).

Also please not, that the repayment is through the system (and automatic) and not something the creditor can block. How creditors handle the refusal to pay differs, but most just contacts you.

Some things, like mortgages or other bank loans, that have been paid back after the deadline (the companies have deadline around a week before to send in the payments the want), they just instruct you to refuse the payment. Some things, like the hunters insurance, just does not issue the permit (and nothing else), but the most common action is that they either email or call you, or simply send you payment reminder.

Unless you don't read you bill from BS, there is no way to get cheated.