Hi, Any advice on how to proceed with my Minicredit issue would be greatly appreciated. I took out a £100 payday loan with them recently (the due date is not until the 20/7/2104). On Monday the 7th of this month i logged into my minicredit account and selected "repay early" (the due balance was £110.40) i hit the repay early button,got a pop up saying "are you sure" clicked ok and continued to the payment. My banks "verified by visa" box popped up,i entered my details and submitted the payment. The next pop i got was "payment declined insufficient funds on card" (or words very similar to that )....i knew i had more than enough in my bank to cover the paymemt. I phoned my bank (co-operative) and they confirmed that the payment to minicredit had been authorised and was pending. i then called Minicredit who said they declined to accept my early repayment due to my account details being incorrect with them...i followed the representive's request and re-entered my personal details on the minicredit site..he then assured me that the payment would then be manually processed by Minicredit and i would receive a text confirming the payment...all that has happened is that minicredit have debited a £1 from my card but so far not processed the £110.40. I have spoken to my bank and the £110.40 is now reserved for Minicredit (ie not available to me on my balance)...when i log into Minicredit i see my outstanding balance is increasing daily as the due date approaches.Anyway my fear is that they will attempt to debit my card on the 20th and then process the pending manual pending payment as well.I have had my bank place a "block" on minicredit accessing my account because as far as i am concerned i've paid them.my question is have i acted within my legal rights and should i now not get back in touch with minicredit? (my bank tell me that the only way they will be able to access my account is if i authorise a payment to them via the minicredit website). Sorry for such a long winded post but i just need to know if i have acted in the proper manner. Thanks, Gary.

Hi, I also received a letter today telling me that my contribution based ESA will end on the 30th of April,......ironically only last week i received another ESA50 form to fill in by ATOS,i have spoken to the DWP this afternoon,in a nutshell i sitll have to fill in the ESA50 and return it or my benefits will cease on the 6th of April,naturally i wont be putting my full effort in to this because it is now pointles:(. I also asked the adviser today if i can apply for jobseekers allowance after April the 30th whilst i attempt to find a job with an employer who will take account of my health problems,i have been informed that i can't apply for ANY contribution based benefit (this info will i hope be of help to many others who find themselves in the same situation). So that's it for me, 40 years of work and national insurance contributions and i'm now going to receive nothing......what i think of Cameron and his fellow "snake oil salesmen" in the cabinet is unprintable........don't know how they can sleep at night. Gary.

Many thanks for that information Erica:-),....it has put my mind at rest. Gary.

Hello to all, After a 14 month wait, i at last attended my ESA tribunal today,i have been successful (i represented myself),ATOS awarded me 6 points at my (so called) medical all those months ago,i have now been awarded 18 points,in fact the chairman adjourned my hearing, and when i was called back in he told me i had already achieved the 18 points so it was not worthwhile continuing further,....naturally i am very relieved that what has been a very stressful period in my life is now resolved. My question to anyone on here is, 1) what happens now (my current medical cert lasts until Sept 19th)i will be placed in the WRAG,and, 2) am i entitled to backdated payment of the component i should been awarded in july 2010?,if so do i have to "claim" or request payment. Best wishes,and thanks. Gary.