Payday Express taken too much!

[Susan101]

Hi,

 

I'm new and would like to thank anyone for any help in advance.

 

I had a payday loan for £100, £129 due, with repayment on Thursday. As I have a new bank, they could not automatically take the £129. However, I bank transferred it on the due date (as it said it can be on their website). I sent an email and telephoned them informing them of the payment. All fine... but then:

 

I kept getting calls/texts on Friday and I had also transferred £50 to that old account to cover another bill and PDE took £25. I phoned again, they apologized, said they would issue me with a £25 refund and pass on that its been paid.

 

They took another £25 yesterday and I will face a bank charge aswell as a direct debit rejection charge from talktalk.

 

Is there anyway I can claim the charges back from the mess that is PDE! So annoying!

 

Thanks,

 

Susan

[renegadeimp]

You NEED to write to your bank and TELL them to stop the transactions. You made a BIG mistake using bank transfer, as that allows the PDL to get your bank details. You ONLY repay them using a standing order or prepaid card. That way your money is secure.

[Susan101]

But they already had my details when I made the application. Plus I paid off the full balance on thursday?

[renegadeimp]

YOu still should write to your bank demanding that they stop any and all transactions to the lender, take it to your branch, and get them to copy and sign/stamp the letter.

 

This company is well known for stripping accounts bare, as you are finding out right now. Luckily you didnt go with one of the worst PDL's who debit the account in £10-20 amounts right after each other until the account is dry.

[Susan101]

well they did take the only £50 I had, but my money is in an account they cant touch.

 

I did only come on here to ask whether I could claim the bank charge or DD rejection charge from PDE as they made mistakes. With respect rene, I didn't expect you to give me a lecture. This was my first ever loan and I was able to pay it back on time.

[renegadeimp]

I didnt mean to give you a lecture. I was speaking from experience. Both of my own and helping caggers on this site. We have seen this happen time and time again, and a lot of banks are trying to refuse to refund the money.

[Susan101]

ok I am sure you were trying to help for which I am grateful.

 

I am obviously frustrated with PDE, as I told them I had paid the full balance of £129 but they still took £50 from me. This is very likely to lead to charges. I will call them tomorrow and try sort it out.

[renegadeimp]

No. Do NOT call them. Keep everything in writing. If you absolutely must call them, then make sure you record the call in full. They will say ANYTHING to get you to believe their side of the story. Plus keeping a good paper trail is vital if you want to pursue it further should they refuse to refund the money that they unlawfully took.

[Susan101]

ok thanks for your advice will do that.