Summarise a Direct Debit Mandate

A direct debit mandate arrives and you are about to hand someone standing access to your account. This explains who is collecting, the purpose, how much and when, whether the amount can change, and the protections you keep under the guarantee. For anyone who wants to know what they are authorising before it goes live.

<context>
You have received a direct debit mandate or confirmation letter and want to understand exactly what you have authorised before it goes live on your account.
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<task>
**Explain what the direct debit authorises and what your rights are:**
1. What company is collecting, and what is the stated purpose?
2. How much will be collected and on what date(s)?
3. Is this a fixed or variable amount? If variable, how will changes be notified?
4. What are your rights under the Direct Debit Guarantee?
5. How do you cancel this mandate if needed, and what is the cut-off before a collection?
</task>

<output_format>
- Plain-English summary of what has been authorised (2-3 sentences)
- Key facts table: company, amount, date, type (fixed/variable), cancellation notice period
- Direct Debit Guarantee rights: the 3 most important protections in plain language
</output_format>