I was taking pay day loans out all the time and my credit file was rubbish

I don’t want to lend with them again, my point is I took out a second loan with them 4 months after I had ‘paid’ off the original loan only to be told after I had paid off the second one that I still owed money for the first one. They shouldn’t have given me a second loan if I had ‘failed’ to pay the first one surely ?

Thanks for the reply. I have checked all statements. I did try to set up an arrangement over the phone but they never started taking the money out. Am I not able to squash this somehow considering it’s impossible to lend from them if you have an outstanding loan and they gave me another loan and I repaid it and it wasn’t until after that they said I hadn’t paid the first one.

there is no proof of the payment on my bank statement as when you make a card payment it is held in a pending place and if the merchant doesn't claim the money it returns to your account like the payment has never been made if that makes sense! So technically I didn't pay that loan but I didn't know I hadn't paid it as I made the payment with my bank card online got the email I had paid and just went about my life.

Back in 2015 (10th of October) I took out a loan with 247 Moneybox for the amount of £80 with the repayment date of the 24th of November. I am not sure on which date I made the payment but I went onto my online account and paid the full amount to pay off the loan, the payment was being ,made on time. I then received confirmation to say that my loan had been paid but I don’t have a copy of this anymore as it was so long ago. I then took out another loan with them on 17th February 2016 (please bear in mind it clearly states on their site you can only have one loan at once due to responsible lending) of the same amount £80 and on the 24th of March my repayment date I paid the balance of £88 which closed the account. It was only until a bit later I logged into the account to see that it said I still owed them £103 and that my balance was outstanding. I phoned them and they told me that my loan from October had not been paid and I was obviously confused by this and tried to do some digging because I know I went online to make the payment I phoned my bank and they told me that they never claimed the payment in the 7 day window they had. I never realised that the money went back into my account as I don’t watch for things like that and it wouldn’t have shown as anything on my statement it would have just gone back on my available balance. I phoned them back and tried to argue this with them and said it wasn’t my issue that they hadn’t claimed the money and that I now didn’t have the funds to pay for it feeling very hard done by considering I tried to pay this off on time in full and due to them not collecting the money I was now in a worse financial situation. I was also arguing with them about the fact that they had let me get out another loan in 2016, 4 months after the one I had supposedly not paid was taken out. You are unable to even apply for a loan if you have an outstanding balance so how does this work? They were having none of what I was saying and I ended up out of frustration and being fed up agreeing to a payment plan of £10 a month with the balance reduced to £80. No money ever came out of my account and I never realised this until later down the line and I know its probably bad of me but I sort of forgot about it and they never tried to contact me. I have only recently just thought about it so decided to log back into my account which still says I owe £103 and my account is in default. Somehow they also have my new address which makes me worry. The most confusing thing about all of this is that on my credit report this loan Is down as being settled on the 22nd of January 2016 and does not have any mention of my account being in arrears or overdue. I don’t know what to do. I don’t want to contact them again and then prompt them to chase me for the money or complain that they never should have given me a second loan if my first one was outstanding. Some advice would be very much appreciated.