I'm sorry for your problem which seems to be liked to your bank :
if your bank refuses a levy from RED, you will be charge with this 10.50€ fee.
For more information, you have to contact RED customer service, but I'm afraid it's only in French.
I have changed my bank...please confirm that also
we are customers like you, we have no access to your account, we can't confirm that
You have to deal with RED Customer Service :