But banks cannot stop card payments being made. If you give someone your card details and permission to withdraw money, your bank can do nothing to stop it.

Similar story here. I had a text message from 'RemovalTeam' threatening me with a home visit, etc. But this was a day before I was due to pay back my PDL in full to CFO. When I rang CFO and asked why their sister company was calling me, they neither denied that MT Collect was their sister company, nor did they know why I was being contracted because my account was in good standing. I confirmed with their rep that I wanted to pay the full amount the following day and NOT have a roll-over. Has anyone else found that their loan was automatically rolled over month and month, without warning and without even asking? This happened to me 3 months in a row. However, I was assured that the full amount would be taken from my card on the following day. The following day, I rang my bank to ask if there had been any debit card transactions that morning. I was told there hadn't been any activity at all - no debits, nor any attempted debits. So I rang CFO to ask why the loan hadn't been settled as agreed. I was told that they tried, but there the transaction was declined, so they rolled the loan over and simply charged the interest to my debit card. I told them that this wasn't the case, since my bank confirmed that no transactions took place or even attempted. I was told by CFO that the transaction was declined due to 'insufficient funds'. This is, of course, a lie, since card transactions are simply declined, without explanation. Regardless, I'd had more than enough money to cover the amount in question and, as I said, my bank confirms no attempts were made to take the payment. The loan has now been paid in full and I won't be using them again. But I don't understand how they can simply roll over loans without permission and then out and out lie about the reason. Has anyone else had this problem?