In France I am sending an email to the company, and then cancel my direct debit agreement. Total 5 minutes. Of course you may have timing requirements (engagem

In France I am sending an email to the company, and then cancel my direct debit agreement. Total 5 minutes. Of course you may have timing requirements (engagement for X months, or cooldown period, ...) but beside that it is very simple. Once you cancel the direct debit, the bank is not allowed to send money anymore and it is now a problem between you and the company if they do not get paid.