Thanks for your reply. I've just replied to your PM.
Hoping you manage to get this sorted. Unfortunately, the people I have spoken to so far have proven to be quite unhelpful and dismissive about my complaint.
I shouldn't have to jump through hoops to stop Microsoft from taking money out of my bank account, it's not fair. And the sad thing is that if this didn't happen I would have happily spent money on ad campaigns and also suggested my clients do so too, but this whole experience has really put me off.
Currently, I have to rely on Google and Facebook for advertising, which isn't ideal but at least they don't take money out of our bank account without asking.