PDE Overpayment

[Guest Payday Survivor]

Guys,

 

A little issue with Payday Express i am trying to work out and could do with some advice.

 

I decided to pay off the remaining balance from my repayment plan with last month's wage but due to not cancelling the original standing order on time they received two payments.

 

I've asked them to refund the £25 overpayment and there's been no issues with that.

 

The problem is they insist on not only having the details of my post-payday bank details but they want a statement sent to them to verify the account before sending the refund.

 

There is no way i am giving any payday loan company, paid off or otherwise, my banking details. I have asked for a cheque to be sent to my home address but they have refused and insisted on my banking details.

 

Any advice on this?

 

Jamie

Edited February 6, 2013 by Payday Survivor

[renegadeimp]

Could always send them a formal letter of complaint, and state that if resolution isnt given in the form of a cheque in 14 days you will not hesistate to take them to court AND claim costs/interest.

 

They dont need your bank details, as they would be able to see your account details.

[Guest Payday Survivor]

Could always send them a formal letter of complaint, and state that if resolution isnt given in the form of a cheque in 14 days you will not hesistate to take them to court AND claim costs/interest.

 

They dont need your bank details, as they would be able to see your account details.

 

Yeah,

 

I'm gonna get a formal complaint sent to them later today. Be glad to see the back of this lot 'cause they really were one of the hardest i had to deal with.

 

Thanks for the advice.

 

Jamie

[Guest Payday Survivor]

On reflection i'm just gonna write this £25 off.

 

Can't be bothered with the hassle. Had enough of that last year.

[renegadeimp]

Normally i would advise that you shopuld continue the chasing as if you dont then they will think what they are doing is acceptable. But i tend to agree with you, especially per the harassment youve had. You should at least get a full complaint into the OFT though so they have it on record.

[Guest Payday Survivor]

Normally i would advise that you shopuld continue the chasing as if you dont then they will think what they are doing is acceptable. But i tend to agree with you, especially per the harassment youve had. You should at least get a full complaint into the OFT though so they have it on record.

 

I'll be dropping a little note to inform them but will add i'm reporting them to the OFT.

 

They probably were the toughest one to deal with when i defaulted.

[Sillyboywyn]

I wonder why people have different experiences with the different companies, I had no issues sorting out payment plan and then a heavily reduced F&F (50% of the original loan amount plus 1 months interest).

[Guest Payday Survivor]

Yeah, i got some of them cleared with a full and final settlement and the rest sorted out on plans with little fuss.

 

Payday Express took a good two months to back down and give me a repayment plan. Had to go through their complaints procedure etc to get them to listen.

 

Money Shop were the same and considering these two are linked no surprise there.