Hi, my daughter stupidly decided to take a pay day loan last month, she then went ahead and began to fill in the application on line which took her to payday express, she then continued to complete the form, she must have been half way through when we got home, and I suggested that she read through the problems others have had with these and then said should she wish to go ahead then feel free or we could give her the money instaed and she could pau us back interest free, she was due to go on holiday and as she does not get paid till the end of the month she just wanted to buy a few mor ethings etc, she decided on reading through the posts to take us up on our offer, anyway she did not agree to any loan or did not get any response from the company on line obviously as she had closed the site before completeing the form, then a few weeks ago she got a letter from payday express stating that she had been accepted for her loan of £80 but due to the fact that they had attempted to take the funds from her account and were not able to do so she now owes them £160, she rang payday express and they said that the loan had been paid into her account on the 18th Sept, they would not give her the account number that the loan was paid into but on contacting her bank there is no paymnent showing from payday express into her account, yet now she is being called 2-3 times a day from this company saying they want their money back etc, still adding more charges according to the call she received yesterday she now owes £210, Had they originall y attempted to take the funds she supposedly owed from the correct account that my daughter has they would of had no problem as her wages would have been in there, and on speaking to her bank they said that there has been no attempt to take any funds from her account by anyone. Yet she is still being harrassed by this payday company

Hi Wesley.I hope no offence is taken as I am a parent as well but are you totally sure your daughter did not complete the forms at the time or went back to the website to apply again ? even for payday loan standards this seems a bit odd. all i would say is that if the money was definately not received then go straight to a solicitors office and see what they make of it. it may cost a fee or some kind but a letter from solicitor would make stronger reading than email tennis that i have had to deal with so many times. hope you get it all sorted for you and your daughter.

Hi, thanks for the response, no offence taken, really thats what I first thought until I saw her bank statment and definately nothing paid in from this company, infact nothing in except when her wages went in, have made her an app with the CAB who she is booked with next week, solicitor does sound better, they are calling my daughters mobile daily and our house number, I actually spoke to them with my daughters permission and they insist that the funds were paid into her account,

Sorry Reddennis but certain companies do this 'automatically' and then months later realise it was an 'admin error'. If no loan was taken out they haven't got a leg to stand on. I would check with the company to see what account they are claiming the money went into....

hi again and thanks. all i would suggest is speaking to them to ask the sort code and even last 4 numbers of the bank account that the money was supposed to be paid in.surely they can supply this ? if your daughter bank say that no money has been received then no loan has been given. good luck with the cab and even explaining this to a solicitor and a charge of say £40 or £50 for doing so may been worth all the aggro of calls 24/7 !

good luck again

Sorry Reddennis but certain companies do this 'automatically' and then months later realise it was an 'admin error'. If no loan was taken out they haven't got a leg to stand on. I would check with the company to see what account they are claiming the money went into....

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great minds think alike .....

Have tried but they will not give my daughter the account number or sort code they said the money went into over the phone, as it may not be her, security measures etc, she has asked them to put the details down in a letter and send it to her, but that was only a week ago, and with the postal strike, still I really look forward to seeing what account they have.

Sorry Wesley but I dont understand what you mean about the "money went in over the phone " ? probably just me !!

Just my 2 pence worth but surely their accounting / bank records will show where the money has been paid into ?

I would press again for even the last 2 or 4 digits of the bank account paid into or even at worst the sort code as this is just for the bank itself and not the account holder.

keep at it and best of luck

No, its me never explained correctly , they told my daughter and me on the phone that the money went in to her account by transfer on the 18th sept, (should of put it down correctly) I am going to keep on until we get the sort code and account number,

Thanks you to, will be back as soon as we hear something to update you.

Hi, back again,

my daughter has received numerous txt messages to her phone, calls to her home number and now calls to her employer, still payday express will not tell her any details of the account that the money went into over the phone, or put them in a letter to her as it may not be her and due to the data protection act etc, they have told her she is liable for the loan and has to pay it back the debt is now something like £270, with yet more costs added on, she has rang payday express again today and still they refuse to tell her the account she supposedly received this loan into, she went to the CAB last week who have made her an app with a solicitor, and she told payday express that due to the harrasment she is having she wants her number removed her employers number removed and the only contact with her from now on will be with a Solicitor, the conversation was on speaker phone and taped, tell you something if payday express would have given the deatils we requested it would of been alot easier, they wouldnt even give her the bank name that the loan was paid into, how does a bank name with no account number or persons name breach the data protection act I have no idea, , this matter could have been sorted by now, well we tried but Payday express are of no help what so ever.