Should I alter my direct debit as my last loan payment is less?

Best thing to do is cancel the direct debit and make the payment by card, but ONLY if it is the last payment. You would need to cancel the direct debit when the loan is over anyway.

If you don't cancel the direct debit and the original amount comes out, you can request the difference to be refunded but you only have 10 working days to do so, otherwise we'll donate the money to our chosen charity, Julia's House. Because it's normally only a couple of quid, most of our customers are more than happy for us to do this.