Quickquid late payment fee

[Estane]

I'd done so well for months, completely debt free (many thanks to people on this site that helped during the time) and then landed myself in financial trouble recently after losing my job.

 

I took out a loan with these guys again to cover christmas, but my plan to repay was scuppered by an unexpected medical complication.

 

My due date was last Thursday, for which the direct debit was bounced back. I contacted quickquid that afternoon and came to an arrangement whereby I paid £8.50 then from £31.50 debt, and the remaining balance for £23 (amounts are not exact) today. When I went to make the payment today, I found that they'd added a late payment fee of £12.

 

After trying to contest this and failing I asked for them to cancel my card. Instead they debitted my account for the full £35. They did not tell me they had done this, I only found out when I chcked my bank account balance a few minutes ago.

 

A late payment fee was not applied last Thursday, yet it was today, even though I tried to pay today. Apparently my account is being forwarded for review (the last time that happened was several years ago, and it took weeks to recieve a response...rather than the 48 hours I was promised)

 

So...my question...do I have a leg to stand on here? Am I in the right, or are they entitled to do that?

 

Many thanks

[renegadeimp]

If the amount was unauthorised, get a chargeback done. If it was via DD, then invoke the direct debit guarantee with your bank. Regarding cancelling a card and the CPA, you do this through your bank, not through the lender.

 

QQ are well known for doing this, which is why you have to go through your bank. Dont take no for an answer. A chargeback as well as the DD guarantee can be done immediately, and investigated later.