Our bank's (disappointing) response to direct debit fraud

Today I went to the bank to initiate the refund process for our dodgy direct debits. That bit was easy. We are quite confident we are not going to be out of pocket.

But when I asked how to prevent such things from happening again, they couldn't tell me. They were shocked to know we are publishing our account number. What, as if no other charity doing it? Helloooo? Where have you been? Were you not one of many hundreds of thousand people donating to Pudsey?  Although I must admit I do not know whether Pudsey's account was ever defrauded in this way! For all I know, Pudsey's day job when not on telly is going to the bank asking for refunds :)

So our options now:

1. Make it a bit harder for people to donate cash using bank transfer, by going through some kind of cart/checkout scheme and emailing the bank details (like our current Qurbani campaign)
2. Be a bit more vigilant, frequently checking direct debit lists and transactions more thoroughly and just accept the inconvenience of asking for a refund if this kind of thing happens again.

For now we will choose option 1. If it happens again, I will probably shout louder and bring in the people behind the Paperless Direct Debit scam, er, scheme, and maybe do a bit of media stuff like contacting my favourite programme Moneybox, and whatever else I can think of.