I took out a quick quid loan in 2010 for £200 which i defaulted on after 2 rollovers. Which i forgot about after losing my home, breaking up with my partner then finding out i was pregnant all within 3 months so the loan was the last thing on my mind.
In march last year carter forbes contacted me (harrassed with calls and texts every hour) and offered me a reduced payment plan for the loan which at that time was over £500. I agreed the repayment plan at £80 pm and i stupidly gave them my bank details to make the first payment. A week later was pay day so as you do i went to get my money to find it had all gone. Bank was useless in sorting this out told me to wait for it to show on my account. I then logged on to my email to find carter forbes claiming i defaulted on my payment plan not sure why since my next payment wasnt due for 3 weeks.
4 days later my account showed carter forbes had taken £5 untill my account was empty i phoned them and they claimed since i defaulted it was their right to take my money that way. I got very angry at that point as i was unable to pay my rent or feed my 3 children so they agreed to settle my account since i owed £567 and they took £800 i demanded my money back but wouldnt give it to me. Eventually i gave up lessoned learned no more payday loans and NEVER give debit card details to dca.
I thought that was the end of it but now quick quid emailed my last month saying i havent paid the loan back and passed it to motormile finance.
I emailed them stating that i paid it through carter forbes but they say they have no record of this. What can i do as i have no proof since i delt with carter forbes over the phone?