DMP payment vanished

[victoriaj]

Hello everyone.

 

 

I'm repaying some of my student loan, or rather my student overdraft, through StepChange.

 

 

I really like StepChange, they've been nothing but nice to me and I've had no problems until now.

 

To my horror, my recent payment has disappeared.

 

 

I have to pay monthly, due by the 10th.

I paid this month's installment on the 3rd,

and it takes about 5 days to process so it should have made it on time.

 

 

Only, 2 weeks later, they still haven't gotten it. There's no record of it at all.

 

I used the exact same details to send this money.

There were no mistakes in the bank details of the company,

I double and triple and god knows how many times checked.

If you compare the receipts of my previous successful payments,

all details are absolutely identical to those on the receipt of the missing payment.

Except the date of course.

 

Now I'm sitting here wondering what will happen to me, if I have to pay double, what my rights are.

 

I've emailed them scans of my bank receipts of each payment for them to compare

and see that there's no reason they shouldn't have my money,

and I'm just waiting on a reply from them.

 

What can happen to me here?

 

Any help is appreciated. Thank you for reading.

Edited November 17, 2014 by victoriaj

[dx100uk]

it'll sort itself I'm sure

 

 

so you've an old SLC loan you are paying off?

who's got it now, not the SLC I bet

 

 

dx

[victoriaj]

Well the overdraft was with the RBS,

 

 

but they passed it on to Moorecroft.

 

 

I've now got this plan with StepChange and

 

 

it seems to be going well except from this bump here,

 

 

which I'm in an absolute panic about.

 

 

The money was instantly taken out of my account, so I know it's gone.

 

 

They just don't know where it is.

[dx100uk]

ok sorry it was an OD not a loan then.

 

 

ignore me

 

 

though I hope that any other debt being paid through CCCS

you have sent a CCA request on?

[bar bank accounts or mobile debts]

 

 

I'd give it a few days

CCCS have a good track record of sorting these issues

[victoriaj]

Huh, I just got an email about how they found it. Seems a lot of my money was lost in some kind of exchange rate, that irkes me a little but I'm assuming that Barcleys also take some kind of fee for accepting Euros?