If I cancel a direct debit at the bank rather than by telling the people taking the money, does it put a 'black mark' against my name or anything like that? Possibly something that could show up on credit checks? Reason I ask is that I'm going to cancel my gym membership but they say they need a month's notice. I've still got 2 weeks til they take my monthly fee so was wondering if I could just go into the bank and cancel it and save myself £30? Thanks.