Oh So i got a reply from them at 11:45pm Professional indeed. One mention of the words Citizens Advice and I get this reply: Mr ******, Our Solicitors are Edwards Abrams Doherty and they are in the process of obtaining a CCJ against you. We have been in business long enough to know our rights and responsibilities. We recommend you pay the undisputed amount of what you owe (£172) or we will be within our rights to add all the interest that we have frozen until now. Kind regards Sales Team Tooth Fairy Finance Ltd (JT) t: 0800 756 9435 I will hapilly pay my £172 and be gone with them - thank you all for your help and please take this as a warning to not use them

Well its been some weeks that I offered to pay the £100 back + the £9 for each week that I had it and got no response. Now theyve sent this: PLEASE BE WARNED 1.West Yorkshire Security are about to visit you at ALL addresses we have on file for you. They will be looking to take payment for the balance that you owe. This will include Legal fees, Recovery fees and Full Interest. They will keep visiting until payments are received. 2.Edwards Abrams Doherty Solicitors are in the process of successfully obtaining a County Court Judgement against you. This will be followed by Certified Court Bailiffs seizing goods at EVERY address we have on file for you. This will include all family homes. You will recieve correspondance from them and the County Courts. Please note that Bailiffs will seize goods at 9 times the value of what you owe(including court fees). These goods willl then be sold at public auction. 3.We are about to send your file to the Credit Reference Agencies also. This will make it very difficult for you to obtain ANY credit in the future. 4.Please also note that the amount you now owe will allow us to start Bankruptcy proceedings against you. Should the above prove unsuccessful we will make you Bankrupt. Fees have been incurred by you and the size of the debt is constantly rising. We will not go away until the debt has been paid and it will only get bigger. Ultimately we will recoup what is owed. Sales Team Tooth Fairy Finance Ltd (JT) t: 0800 756 9435 What are we thinking now? £100 loan now more than enough to bankrupt me? What would they gain from this? West Yorkshire Security offer nothing to do with Debt Collection Whoever that Solicitors are, I havent heard from them nor have I received any court papers with an amount that I owe yet this amount is constantly growing? I wish theyd stop with the pointless crap and just offer me an amount to pay and allow me to pay this to them and it be gone with!!!!!!!!!! IT makes no sense. Until I receive correspondence from these people that says that I owe X amount for whatever reason and that paying X amount will clear the debt I have with them theyre getting NOTHING; What do we all think>?

Ive just reported it to the fraud team at my bank as an unauthorised transaction. The money was taken by Keyes Whitlock and I didnt give them my details so technically, technically, its fraud

I know Im in for a fight but I dont mind fighting if it means I win and tell others how I did that! Yes I owed them the money but they had neither right nor authorisation to clear my bank account. I have phoned my bank and told them that this company had no authorisation from me to take this money given that it had been passed to "an external company", their "Debt Collection Agency" Keyes Whitlock and Partners on Friday morning and later PaydayUK took £275 from my account............. This is my ground for my money to be returned and a deal negotiated. So Keyes Whitlock and Partners should not have had my debit card details in the first place, if they really are as advertised by PayDayUK staff, a completely independent company. It goes against every rule in the book - misleading customers making them think its someone else when it really isnt.

£600 for 14 days costing £150 OUCH man. Unless youre in mortgage arrears, I wouldnt bother!

youre right but if I could have afforded to fork out £275 on Friday then I would have done it now I have to find out how i am going to afford my rent this month. My landlord isnt the patient type

the debt has now been cleared yeah. thing is the due date was 31st March not 29th May, and I had been trying to set up a payment plan with them to clear the debt but without any response via email...

Ive checked the agreement and theres nothing in it, like nothing in it, that says they can keep charging my card til they get their money.

Ok so I defaulted on my loan with PaydayUK They passed it on to their Debt Collection Agency yesterday as I was informed by email yesterday morning. So I got paid yesterday but havent paid my rent or bills yet Anyway £275 has come off my debit card from MEM Consumer Finance (PayDayUK) yesterday at 2:38pm WHILE I WAS AT WORK I Did NOT authorise this payment and dont know what to do now as my bank says i Have to talk to the company about it. Can they do this??? Considering A) I Didnt authorise it and B) They passed me on to a DCA?? I defaulted on the loan in March so its been an ongoing issue since then. Any help ASAP will be much appreciated