I, too, have had a horrendous time with these people. I stupidly took out a PDL in November of last year. I was due to pay it off in full at the end of that month, but they rolled it over without my consent. What was worse is that the funds actually disappeared from my account, only to re-appear a few days later. The interest payment then left my account together with a £25 late charge. I contacted my bank who said that the funds left my account as they should have.
I phoned CF1 to complain, but as I had taken cash from my account for other things, I couldn't pay off the full amount. The guy I spoke to checked out my account and couldn't give any reason why it had happened. He said he spoke to his boss who said they'd deduct the £25 from my total balance. The moment I asked for the amount I owed, I was cut off. I phoned straight back but I could not get through.
During the call I had told the guy that I wanted to repay this as soon as possible. He said that if I didn't do anything, the full amount would be taken in December. At the end of December, again, only the interest was debitted from my card. I phoned up and the woman I spoke to said that I had applied to roll it over to January, which was complete lies. Again, I asked for the balance of my account and again I was disconnected. I sent them countless emails and tried literally hundreds of times to call them, all without success. The one time I did manage to get through, I was told that their system was down and they couldn't take my payment. I asked them for the balance on my account, and, again, you've guessed it, I was cut off.
Fast forward to the end of January and the same thing happened as November. The funds left my account on the 28th, great, I thought. Only to reappear on the 1st Feb. On the 2nd Feb, the interest payment left my account. I called them up again, I was astonished to find that their system was down. When I asked them for my balance with the request that I wasn't cut off, yup, you've guessed it.
The above may sound unbelievable to some, but I swear that it is an accurate account of my dealings with these shysters. I honestly do not know what to do. I am at my wits end. I have thought about cancelling my debit card and forcing them into dealing with me, would that work?
Thanks in advance for any advice given.
PS, I have absolutely no idea how I would go about recording a phone call.