Minicredit

[paul901]

Good evening folks, I have a bit of a problem with the above payday company,

on the 17 December 2011, I made the mistake of taking out a payday loan for £100.

to my horror, they paid into my account £85.00 charging me the pleasure of giving me the money.

They then decided the total I needed to pay back was £150.00

 

So within two hours I sent them an email to cancel the payday loan, under the 14 day distant selling rule. I have never used them before nor will I again.

 

So I sent teh email, as stated in the contract they sent me. and got a response asking me to do it via there online form, which gave me no written record, so I told them no, and sent the cancelation again.

 

This is now where it gets strange, after I sent it to them a second time, again all the same day, they have totally blanked me, I have requested there bank details so I can pay them, but nothing. all I get now are you need to pay us this amount and that amount, so far they claim I now need to pay them £600+

 

I have sent them two letters and have kept the slips to confirm they got posted, and I have kept all emails I sent them including the ones they sent back.

 

I'm just making sure that I have covered all my bases and have done every thing right and in my power.

 

ie requesting details so I can pay them back, kept all records and post slips, and canceled via email, as noted in the contract.

 

Also I need to know where can I go from here, to sort this out. its been going on now for a few months. and it now making me feel rather ill.

 

Summary

 

loan was £100 they gave me £85

I cancelled via email (all emails kept) got a response from them, the same day loan was taken out.

Sent two letters, got the conformation slips that the post office posted them.

and kept all my emails I sent to them.

They now claim I need to pay them £600+

 

What are my options here and have I covered myself here.

 

I'm so sorry for the long post, and the formatting, not my best point.

 

Yours

 

John

[Jon1965]

Hi John

My advice for what it's worth is to do a couple of things

1) Write by recorded delivery to their complaints address (on their website) stating all the facts clearly. Make your offer of repayment. My guess is that you ticked , or didn't untick the box for 15 charge for same day payment so you may have to pay the £100. State that you will escalate it if it is not resolved as per their website. I would also say you will be intouch with the OFT

2) If they do not reply within their guidelines as stated on the website then escalate it to the financial ombudsman (or if they do not agree to your offer)

 

Finally did you give your debit card details ? If so cancel it NOW. Do not pay by debit card. Bank transfer is the best way or I think the website says they do paypoint etc

[paul901]

Thank you so much Jon for your input, I have sent an email to the complaints department, that is listed on the contract, and again have a copy of the email, I love to keep my pst files.

I have talked to the FOmbudsman and he told me to make a complaint, so far 24 hours after making the aboce complaint they have yet to respond. I have no problem paying what I have to, not here to try and run, but as I have asked them sevral times now for there payment details they just blank me, I know my email is working fine as I send a copy to my hotmail account, and I get that no problem, there was no box, in 99.9% sure that I ticked or did not tick regarding the charge for using them.

and yes I have got a new account, I'm just trying to make sure if this goes to court, that I have done every thing right and by the book. as like I said I have no problem paying what they sent me, but there is no way on gods earth I'm paying any more, as I did pull out of the contract.

 

Again Many thanks for giving me some advice, I'm kind of lost on what to do.

 

But thank fully things have taken a turn for the better money wise, and im in debt but not up to my eyes as to need help from legal money sharks