OVER-75s may be getting a free TV licence from November 1, but that is if they have a pre-paid coloured TV licence valid until October 31, or pre-paid monthly direct debits from and including May, 1999.

Is it lawful to cancel my monthly direct debit after April's payment?

A reply from the TV Licensing Authority implies that I should cancel my direct debits after April's payment and take out a short-term licence that expires on October 31, 2000, or continue paying them until and including October and reclaim the necessary refund.

Most services give a five per cent discount for paying by direct debit.

TV licensing would gain the interest on my money, to my loss. Thousands of over-75s will be in a similar position.

JAMES DEMPSEY, Fecitt Brow, Blackburn.

Converted for the new archive on 14 July 2000. Some images and formatting may have been lost in the conversion.