Have had the money back this morning through the disputes team in my bank, fraud wouldn't take it on as I has a relationship with the company and disputes couldn't do anything till it has cleared. Have ordered new card and emailed tower capital inviting them to commence court proceedings! Many thanks for all the comments guys

bank saying now after speaking to tower capital they are not refunding the monies as i had an ongoing account with tower capital

Yes have told tower this and they dont care there just terminating call every time the answer and not respondin to emails

i have severe hypoglycemic diabetes and if i don't have this money back to get food i will have to admit myself to hospital

what can i do then as bank passing me from pillar to post for the last 4 hours

thanks bank still saying because i have had dealing with company in past and they have my details there nothing they can do

sorry may sound dull what does psp stand for

Tower Capital have raided my bank account of my job seekers allowance, this is for £55 i have severe diabetes and am hypoglycemic and need a stable diet they have my weeks money i have not authorized them to take this money as i have been disputing charges on the account. my bank are Halifax and they are refusing to do anything to assist with this. this money is surely covered by social security act 1988

yes complaint was sent to Enquiries and Reporting Centre Office of Fair Trading peachy themselves and local trading standards. No money has been paid as i have had no written respose to complaint and no contact until today

Sent off complaints as advised and heard no more until today. 08.09am Dear Mr. *****, Your account is seriously overdue! Your debt with us is growing because we have failed to collect your loan repayment. We have added £ 25.00 to your loan sum and your balance now stands at £ 412.71 due to failed attempts to collect your loan repayment. For each day which elapses between the repayment date and the date of your actual repayment you will be charged additional fees and interest at the rate of 1% per day according to your Credit Agreement. If you do not have sufficient funds available to repay the full amount of the loan, you can extend your loan. For further information on how to extend your loan, visit our Get Help section at www.peachy.co.uk. Missing payments could have severe consequences and make obtaining credit more difficult. If you brake the terms of the Credit Agreement we might also notify debt collection agencies and credit reference agencies about your case. Furthermore we can no longer trust you and your credit score might drop to zero. If we have not received the loan repayment we will try to reach you from the contact details provided which might include contacting your employer. Please contact us immediately to repay your loan or to notify about any changes in your financial circumstances. Our collections team is available by email collections@peachy.co.uk. Kind regards, Peachy Collections Team www.peachy.co.uk Followed by 08.09am Dear Mr. *****, Your account is seriously overdue! Your debt with us is growing because we have failed to collect your loan repayment. We have added £ 25.00 to your loan sum and your balance now stands at £ 437.71 due to failed attempts to collect your loan repayment. For each day which elapses between the repayment date and the date of your actual repayment you will be charged additional fees and interest at the rate of 1% per day according to your Credit Agreement. If you do not have sufficient funds available to repay the full amount of the loan, you can extend your loan. For further information on how to extend your loan, visit our Get Help section at www.peachy.co.uk. Missing payments could have severe consequences and make obtaining credit more difficult. If you brake the terms of the Credit Agreement we might also notify debt collection agencies and credit reference agencies about your case. Furthermore we can no longer trust you and your credit score might drop to zero. If we have not received the loan repayment we will try to reach you from the contact details provided which might include contacting your employer. Please contact us immediately to repay your loan or to notify about any changes in your financial circumstances. Our collections team is available by email collections@peachy.co.uk. Kind regards, Peachy Collections Team www.peachy.co.uk Followed by 08.09am Dear Mr. *****, This is the final warning from us! We have tried to get in touch with you several times but your loan with us has still remained unpaid. We have added £ 25.00 to your loan sum and your balance now stands at £ 462.71 due to failed attempts to collect your loan repayment. If you fail to repay the whole amount it will be considered as a deliberate act to avoid the repayment and we need to involve a Debt Collection Agency who would deal with your case. Please note that they may pass the information to the credit reference agencies which might have serious consequences for your ability to get credit in the future. If you do not have sufficient funds available to repay the full amount of the loan, you can extend your loan. For further information on how to extend your loan, visit our Get Help section at www.peachy.co.uk. Please contact us immediately to repay your loan as you are running out of time! Our collections team is available by email collections@peachy.co.uk. Kind regards, Peachy Collections Team www.peachy.co.uk Followed by 08.09am Dear Mr. *****, You are now in default! Dispite several warnings and attempts to contact you regarding the outstanding balance of your Credit Agreement No your loan has remained unpaid. It will be considered as a deliberate act to avoid the repayment of your loan and as a breach of the terms of the Credit Agreement. We will now take steps further and your debt in the amount of £ 462.71 will be handed over to our Debt Collection partner. Please note that you may have to pay extra charges to the Debt Collection Agency in addition to the amount you owe us. If you do not co-operate with Debt Collection Agency a Country Court Judgement may be entered against you. If you need any further information please contact our collections team by email collections@peachy.co.uk. Kind regards, Peachy Collections Team www.peachy.co.uk Please help and advise again, how an earth do they expect me to pay this it was a £100 loan.

Thanks Guys seems they got eyes on her had a phonecall from Manager by 12pm today, Apologising and telling me that all action on account would be held until they heard from authorities as I was adamant that i would not back down and wanted account placed IN DISPUTE they have assured me a full internal investigation is in being undertaken Im Going to Draft the letter tonight and if anyone of the site team is willing to check it before i post then please contact me, Luckily I got a strong mind if they do this to the old and vulnerable then they deserve all they get nothing but bullies

So where do I go from here, anyone willing to assist with putting this into a written complaint for the oft etc etc, I know what I need so say but ideally would like to refer there points to the regulations they have broke

Please read email below, Had loan with these had reduced hours in work so tried to set up a payment plan and there not backing down to loan and interest only and refuse to give me there bank details, i requested they remove my work number after 8 phone calls there on default day and a week later i have this? Is the wording legal and who oversees these cowboys?? Dear ***** We have an active loan with you and I would like to settle it as soon as possible. Therefore we are willing to offer you a discount and collect £155.92 instead of your current debt which is £207.89. The amount would be collected at one go, so please contact us to clear your debt as soon as possible. If you do not contact us it will be viewed as a deliberate breach of your Credit Agreement and we will hand your debt over to our Debt Collection Partner. This may eventually result in your unpaid loan being recorded on a nationwide credit scoring database, where it would remain for up to six years. Carrying a Default Notice on your credit file after 90th day of our credit cycle may result in your being refused credit in the future, which could preclude the possibility of obtaining personal loans, mortgages, mobile phone contracts and all other types of credit agreement until at least 2017. Please contact us immediately to repay your loan as you are running out of time! If you will not contact us we will contact your employer. -- Kind regards, Kristi Volas Peachy Collections Department

she said to me benifits arnt about what you would like to receive but only what your entitled to

Lol i was quite abrupt with her but i was gobsmacked at the way she put across her accusations