I have had a debt with QQ and received many letters , calls and texts and ended up setting up a mandate using debit card to clear the debt . I filled out the mandate with a payment scheme and was advised i had to text my card 3 digit security code to them . First payment was to go out on the 20th September 2012 of £15 . Now by chance i'd asked for a period of holiday pay to be put into my account through Bacs by my employers and you can probably guess the rest , on the 20th (yesterday) MMF took the whole of the debt amount from my account of £420 ! . I contacted my bank to which they said they couldnt stop the transaction until it had gone out and further said i'd given my card details so really they couldnt see a problem with said amount taken if it was what i owed !. I rang MMF and told them they'd left me with £11.24 and i was more than happy to them take a portion towards debt but not all of it and of course i got an unsympathetic No Hard Luck but at least you cleared the Debt . I have spent hours dealing with bank yesterday and today to try and stop the payment still being processed but they say until gone they can't deny transaction i can only dispute afterwards , to me thats as good as letting a burglar sell your goods infront of you before you can act to get them back ! .
I have a copy of the Mandate given to MMF and they only acknowledge ive agreed to pay the debt , They had the nerve to say i paid a lower amount than owed because they could take one lump sum payment .
Ive cancelled my bank card and claimed it was stolen as i'm told this should stop all transactions from my bank account but i'm not convinced .
I can seriously hope the whole team of MMF gets some serious diseases as to leave people in such a position is nothing short of criminal .