Hi, Well after i spoke with PDE yesterday and told them i couldnt pay ect i was expecting more of the same today, i did get a call from them but as they were confirming details the operator stopped and said sorry i called you by mistake i see you are dealing with cccs, and said bye. then i just got this email. Thank you for your recent contact advising that you have or intend to approach a Debt Management company. Whilst you are in the initial stages of contact, we have held your account for 14 days. During this period we expect to receive details either from you or your representative, together with a Letter of Authority, confirming they are acting on your behalf. In the meantime please find below a list of non-fee charging Debt Management Companies that may assist you with your enquiries. We remain willing to discuss reasonable, repayment options affordable. CCCS (Consumer Credit Counseling Service) free anonymous debt advice from the UK's leading debt charity (taken from website) • 0800 138 1111 - FREEPHONE helpline is open from 8am to 8pm Monday to Friday and 9am to 2pm on Saturday. Payplan provides expert IMPARTIAL advice & debt solutions that are FREE to our clients. • 0800 280 2816 – Immediate Debt Advice 08:00 – 21:00 Free Debt Management Plans. Email address not quite what i was expecting to be honest, i dont know if its standard for them to start like this or they are on best behavior due to PDL's getting a bit more heat recently. I would like to think its because of my phonecall with them when i made it clear i knew what they can and cant do. Who knows.

well atleast natwest are not letting payments be taken out of my other account with them so that is something i guess. Just had my first calls from PDUK and PDE, first time i have ever dealt with people calling up from these companies. I can see how people would be intimidated and give in to their demands ect and also saying what they are able to do. Thanks to the info here i decided to answer the calls and talk to them for educational purposes, at one point i had both of them silent on the other end as they didnt know what to say, it was empowering.

Hi guys, I posted a few days ago with problems about Natwest refusing to cancel my CPA's and telling me the PDL's are not using CPA ect. Anyway i have now made an official complain thru the FOS, but after everything i told them on the phone they basically sent the Bank a 3 line summary of my complaint and everything i had said. Luckily the FOS letter sent to me gave me details of who is dealing with my complaint at Natwest so i have wrote a full 2 page letter explaining what happened in the branch in detail and im sending it off today. i will be keeping you all updated and hopefully get some results. I ended up being forced to cancel my account with natwest and it seems even tho i had a second account with them that i transferred my money in to it has successfully stopped the PDL's getting access to my money. i will keep you informed. Thanks to this site and members or none of this would have been possible and i would have been totally cleared out this week.

yes i mentioned that in the complaint also. the FOS lady said she has had dealings with the visa dept before and they are adament they cant stop charges, i replied to him that i will make my own arrangments for repayments and as im a customer of the bank i should be able to decide where my money goes and when. thats when he replied with the loan comment that well you have take there money. i am at a loss and not too good at writing letters thats why i went to FOS but i dont think i said all i needed to. renegadeimp if you in the mood i would love you to take my ramblings and form them in to a letter of complaint that would be taken seriously, if you dont have the time or desire that is fine, just thought i would ask.

on phone to fos now. the manager of the branch they said they cant block single payments .as i have had their loan money, they are entitled to have it back ok just finished speaking to FOS they have took the complaint on my behalf and forwarded it to them and they have 8 weeks to respond.

well i just spent 2 hours in natwest branch , spoke to branch manager for 1 hour, he called 2 regional managers, spoke to visa department on branch phone,escalated to line manager in fraud dept ect.i got told the payday lenders are not registering them as continuous payments but as single payments so that they dont get classed as CPA to stop people cancelling them, that was from regional manager! it was crazy. The visa fraud dept told me that the FSA has told them to wait till end of month as they are releasing new polices and to stick to normal procedures until then.so said they cant do anything either. by the way sorry for no introduction, just had to have a rant first! so i just cancelled me account there and then after all that and told them to stuff it.. only good thing was the branch manager was alone because of staff sickness and had 8 people waiting an hour for me to finish with him, they were going mad as my entire conversation was in earshot, so they heard me quoting regulations ect even showing him printed material. still wouldnt budge.