they did it to me i have no arranged over draft but the bank still let them take 400 from my empty account.then the bank declined the payment and charged me a total of 170 so far going up by 90quid a month.payday ex are bombarding me with texts and calls my phone is constantly ringing hourly.these companies are **** they prey on the desperate are quick to answer when you want the loan but when theres a problem you cant get any reply.i contacted them before all this to ask for a extension but had no reply,thats how they work and make money they count on people like us defaulting on payments then hit us with charges worth more than the loan.
the only advise i can give is some banks may be able to recall the money if its a direct debit .i successfully recalled a 30pound charge but that was the same day it was taken out but its worth a try and contacting your bank but you need to ask to recall it if you ask in any other way youll get fobbed of think is some sort of code or somthing lol the word recall worked .shame i cant recall the bank charges .
GOOD LUCK:wink: