Hi, I had arranged a repayment plan with WDA. However, I was paid late and missed the deadline.

I contacted them telling them this and that I fully intend to make the next payment as planned and carry on with the plan.

They sent me a statement and they had in the meantime added £300 to my account!

I replied saying I will now not continue with the plan until the balance is reverted to what we agreed in the payment plan!

They didn't reply. And today is payday and they have somehow without my knowledge or agreement have set up a direct debit and taken money out of my account - for the agreed sum, but I don't want to pay them anything until I can confirm that the balance is what it was originally!

Is it too late to get this payment reversed back into my account?

What should I do next?

WDA aren't responding.

I had 2 months ago banned them from taking money out of my account with my bank but obviously this must have expired!

Any help would be great]

Thanks

Call your bank and do a direct debit reversal. Under the direct debit guarantee.

Also, ignore the £300. Its an unenforceable charge. As for expiry on telling them they cant debit... thats the first ive ever heard of it. It lasts until you tell them they can.

Thanks.

Do I call the fraud department?

Or should I call the visa card department? (The one I called to block them in the first instance)

Just contact your bank and invoke the DD guarantee as the DD was TOTALLY set up without your knowledge or authorisation. You could get teh fraud department involved as well.

Thanks man, I might just go inside the bank tomorrow rather than on the phone.

Make sure to speak to the manager and not the desk rep. get everything confirmed in writing before you leave.

Will do.

How do I proceed with WDA? I wanted to make the payment today anyway. But only paying against the total sum I actually owed not with the £300 added!

And we also agreed I paid by standing order not just robbing my account.

How can I get this sorted?

do I just pay them? or do I need written confirmation that this extra £300 isn't going to charged permanently to me?

You stick with what you are already doing. Get the money refunded, ignore the bogus charges, and when the money is back in your account, get a full complaint going.

A complaint to them or the omburdsmen?

And how to continue actually repaying the debt once the money is refunded?

Complaint to the lender. Ombudsman wont get involved until the lender issues a final response. They also shouldnt sell it on while a dispute is ongoing. If they do, you can get it sent straight back.

Thanks man.

How should I phrase the letter?

Just state clearly what they have done wrong, why you are maing the complaint and what they can do to rectify/resolve the complaint. keep it short and simple. There are no templates as each complaint is unique. If you need help, post up a version of your letter and we can help with it.