Those Payday Express cretins!!!

[owlsyerfather]

So, months ago I came to you lovely folks regarding Payday Express' incessant calling. They since stopped their calls (thanks all who helped!)

 

Anyway, months on, they finally changed the tone of their letters. About 2 months ago, they said they'd be sending an agent to me (which they didn't) and please reply to let them know it was a convenient time. I ignored it. They refused the payment from the debt management company. The last time I spoke to them, they were moaning because they couldn't understand why I couldn't afford to pay them in full if I'm with a debt management company. I enjoyed answering that...

 

Anyway. There's been months of inactivity on their part, and then I got a text from Lloyds on Monday saying I was on or over my limit. Well, end of the month, couple of days from payday, it's to be expected. Of course, you know what's coming. I've been charged for being overgrown because they seem to somehow have gained my debit details.

 

As advised, I changed my card details. I would have changed banks but unfortunately banks don't like to give accounts to people who've got bad credit ratings, apparently.

 

What Payday Express is doing isn't theft as far as I'm concerned because I was an idiot and I borrowed from them then couldn't fulfil my contract to them. Next month I predict the same thing will happen though, and I was wondering if there's any way I can prevent it. Obviously, Lloyds were understanding, but somehow the smeggers have obtained my card details (the woman at the bank told me they were unexpected card payments). If they refused to accept the DMC's offer and keep trying to screw me over by taking money out days before I get paid, I can't see how they expect any payment joy.

 

Does anyone know if they ever stop being idiots and actually pass these things to collection companies?

[juliesearle]

what i would do..is send a letter or email to payday express...stating you are now unauthorising them to take money from your account/debit card..this is inline with payment services regulations by fsa...also take a letter in your band stating you have unauthorised payday express to take anymore money..and also for the bank to stop the cpa..continuous payment authority...xxx when emailing payday express..keep the copy of email..and state to them this takes effect from that day...and want confirmation...i did this with a payday lender...so if they had tried to take it is basically theft...xxx i used advice on here...hope that helps..