Capital Finance One £145 unauthorised debit card payment!

[johealey]

Hi

 

about 18months ago I had a loan with these sharks and on Friday they have taken £145 from my account!

 

Not only I have not authorised this payment, but I have not heard from them since I had this loan (I did default on it but have never had a repayment plan set up as they just completely ignored me!).

 

I logged onto my bank this morning and found that they had taken this money but it is currently a pending transaction and my bank natwest can't/won't do anything about it until the transaction actually appears on my account.

 

I received no email/phone call or letter from them warning me that they were going to attempt to take this money and I just wondered if I had a leg to stand on by reporting them and trying to get my money back?

 

Obviously my card has now been stopped and a new one issued, and I know I should know better than to get a PDL BUT I had no recollection of this debit or a warning so how could I know!

 

Any help greatly appreciated.

 

Thanks

[johealey]

i have since found out that they took two payments!

 

1 x £45.00

1 x £145.00

 

I have just had a lovely row with them and they said that because I owed them some money from 2009 they put my debit card details onto my old loan and took the money!

 

Now where they got my details from I have no idea!

 

He also confirmed that a payment of £5 was taken and NOT £45 and apparently I have that wrong!

 

So basically what they have done is tried their luck taking a so called £5 when it was in fact £45 and then another £145!

 

I have spoken to my bank and stopped my card and reported this as fraud.

 

I have checked certain rules and it seems they should have given me 28 days notice before taking payment.

 

I have received no phone calls or letters from this company - can they just help themselves and leave people out of pocket without even discussing it first?

 

Any help would be greatly appreciated as I now want to report this lot but don't want to seem like an idiot for wasting my time!

 

Thanks

[dx100uk]

http://www.consumeractiongroup.co.uk/forum/showthread.php?320004-OFT-WARNING-TO-PAYDAY-LOAN-CO-s-on-Direct-Debit-procedures.

[martin2006]

When the pending transaction has "cleared", instruct your bank to do a chargeback if you havent already.

[johealey]

Thanks for the link - will take a look

 

Do NatWest do chargebacks? They don't seem to be very helpful and had to report it as fraud and they will refund me by 6pm tonight but if I do not return the forms they are sending me within 10 days they will debit the account.

 

Not sure how long this all takes though

[johealey]

I have also got a copy of my bank statement proving they took £45 and not £5 which they are saying they did!

[dx100uk]

http://whatconsumer.co.uk/visa-debit-chargeback/