I would be very wary of using any bank details that did not come from the source themselves. It would be extremely diffucult to claim the money back if they were incorrect. Have you tried emailing them?

it has to be worth a go I would say. At least then you can be free from forgetting about them and getting a reminder say two or three years down the line and drudging up the past again.Well done on the gambling also, I know how you feel - I too had gambling issues up until October 2011, so 6 months free for me. Its difficult but great that you have turned things around!

Thats good, keep it up!

Yep, would definately be submitting a defence stating you offered to pay and they refused to put a payment plan in place. Have your circumstances changed since taking out the loan? Can you give a bit of background to the case? If you would like a hand drafting a defence that is no problem.

http://www.fsa.gov.uk/static/pubs/consumer_info/know_your_rights_guide.pdf link here sorry! page 12 is the one that applies to your situation.

Firstly, apologies for ranting on your thread, you should never feel like you cannot come here for help, everyone is trying help one another through situations and this is the most important thing. I have learnt this today and also that it is important for us all to stick together, both people giving and taking advice. Back to the thread - I would never recommend taking out another loan, I would exhaust every other option rather than take out another loan. My advice would be to print out this booklet http://www.fsa.gov.uk/static/pubs/consumer_info/know_your_rights_guide.pdf ,take it with you to your. As I said previously I think you left it a little late to argue your bank should have cancelled payments to these two, but, I am also of the opinion that you cancelled all authorities from your old card when you rang to cancel it yesterday - so that would be how I would fight it. The key is to not get fobbed off, if you dont get the answer you want, ask to speak to someone higher, if you still dont get it speak to the manager. The banks know what they should and can do, they just choose not to - this is the key.

Thank you for your apology. I too apologise for the tone of my rant, things should not get personal and I should not have taken it that way.

Thats fair enough, as I said rant over and as far as I am concerned I have said my piece. Just felt like it needed saying, but you are probably right someone elses thread was not the correct place to do it.

i understand the whole point of capitals, and there was no need for them in that post. The only thing they did was make it look like I was five years old and being told off.

Silly girl where did that come from? Every time I seem to comment on here you have something negative to say about me. I stopped giving advice because of you previously and have not bothered for months and have just come back today and guess what? You just cant wait to stick your two penneth in. At no point did I not say the banks cannot stop the payment, I was just giving my opinion on this particular scenario, is that not what a forum is? To call me misguided is an insult and one I am not taking, especially from you. AND BY THE WAY THERE IS NO NEED TO USE CAPITALS - I AM ENGLISH AND CAN READ PERFECTLY THANK YOU. RANT OVER

I agree, but if they say they never received her email then where is the fraud? The amounts will have been correct as she was not in arrears or overdue. IMO dont think she will get any joy; but then again thats just my opinion.

I think her point is she did not withdraw the authority in time? Will have only been received by her bank today, and payment will have been taken out overnight.

Hth

fair enough.

#justasking

why would you want to know?

The 30 days is from them to you, I would assume from you to them would be immediately.

© However, we can charge You for services actually provided by Us in accordance with the terms of this Agreement."This is where they would apply the charge.

It would make no sense to cancel on a 30 day payday loan as they would still charge you the amount borrowed plus one months interest?

Explain all this to your bank and let us know what they say!

And try not to worry, about 2 years ago I had PD loans with ALL the companies, and I mean all you could think of! Been to court three times (won twice!), and I am now completely debt free (apart from my mortgage shortfall of £52k lol - but thats another story!). You can do it, it just takes time, patience and a little bit of fight!

QQ - pain in the backside, probably best waiting until it transfers to DCA but then you will have to argue all the charges / interest added. You can try for nothing. Wonga - not too bad - send them a letter posted recorded delivery and email, Cap Finance one - reasonable - again send letter and email.1ML - - reasonable - again send letter and email. MiniCredit - TBH they never even bothered chasing! But I would still send letter / email. You could incorporate the harrasment paragraph into your initial letter to make thigs easier. Try something along the lines of:It is my company’s policy to not receive personal phone calls during working hours, therefore I now require all further correspondence from your company to be made in writing only.If you do harass me by telephone, you will be in breach of the Communications Act (2003) s.127 and I will report you to OFCOM, Trading Standards and The Office of Fair Trading, meaning that you will be liable to a substantial fine. Furthermore, any phonecalls will be simply terminated.

Not fraud - coincidence. Explain to your bank that you have written to both companies asking them not to take any further payments from your account but they have done so without your permission. At the end of the day it is your card and down to you to authorise payments, not for them to take payment when you have cancelled there authority. Your first step is always going to be to have it out with the bank. Do not get fobbed off, this was taken from another similar thread with slightly different circumstances, but the principles still apply:that is utter rubbish http://whatconsumer.co.uk/visa-debit-chargeback/We have been telling people to put a letter into their bank instructing them not to make any payments under any circumstances to these companiehttp://whatconsumer.co.uk/visa-debit-chargeback/s - it works!banks MUST follow written intructions from their customers !This fsa guide has now been updated:http://www.fsa.gov.uk/pubs/consumer_...ghts_guide.pdfHere's the text:Cancelling a regularcard payment:When you give your credit or debit carddetails to a company and authorisethem to take regular payments fromyour account, such as for a gymmembership or magazine subscription,it is known as a ‘recurring transaction’or ‘continuous payment authority’.These are often confused with directdebits, but do not offer the sameguarantee if the amount or date of thepayment changes.In most cases, regular payments canbe cancelled by telling the companytaking the payments. However, youhave the right to cancel them directlywith your bank or card issuer by tellingit that you have stopped permission forthe payments. Your bank or card issuermust then stop them – it has no right toinsist that you agree this first with thecompany taking the payments.Be aware, though, that you will still beresponsible for paying any money thatyou owe.

Frugal do not put up with their shenanigans! You really need to contact the bank and cancel your card and withdraw any continuos payment authorities. Without doing this your situation will become really difficult to manage as you will have no idea what has been paid to who! You said you have another account so thats really good, even if your current account with your old bank has a £1000 overdraft we can still get this dealt with, hopefully you can use some of the freed up funds to get this cleared at the same time! First step is sorting your bank, cant stress how important this step is! From there come back and we will work out how much you have spare each month to pay all of your creditors, and go from there. I have letters, templates and previous best practice to look back on so do not worry, we will get this sorted. And as for PDE, lets just say when we write to them, there offer will be minus the £150 you have just paid!

Can you clarify some details for me. The CCJ was granted in July 2011 is that correct? When did you find out about the CCJ? What have you done since finding out about the CCJ? The thread you read is correct and the judge will consider all of the facts mentioned in the thread, if you have not met any of the terms of setting a CCJ aside then the likelihood is the judge will not set it aside.