Hi. Years ago i got into a serious mess with payday loans, luckily i managed to resolve them, so i know what everyone is going through. At beginning of nov i took a 200 loan through quickquid. Everything went ok. It was set up so full amount was repaid on 1st dec by direct debit. Payment left my account as agreed, so i cancelled dd in their favour on 2nd dec. Last night i got email saying they had been informed dd was cancelled and to contact them urgently. I rang this morning and told them i cancelled dd AFTER payment was taken, so in case of error they couldnt take money from my account. I was then told that it takes 3 working days for money to reach them and by me cancelling dd instruction i was in breach of my contract and the payment was unlikely to go through even though it left my account on time. I rang my bank, they said the payment had gone through fine. Emailed quickquid to explain. Got email back saying if payment didnt go through they would charge me a fee, wasnt interested it had left my account i even sent them copy of statement showing it had gone. All they were bothered about is that i had cancelled dd before they had their money. They now want to set up another dd instruction. I refused, told them i owe them nothing. Then out of blue i got email saying the previous email i had from them was sent in error? Shortly after that another email saying they would try and get money again for what i owe. Even though i owe them nothing, the payment left my account, but on their system it shows pending. Can someone please advise me? I cant afford them to take the 250 again, i only have rent money left in account. Annoying part is i cancelled dd with glee thinking they were finished with. Maybe i was a bit hasty. But i cant see any reason why money wont get to them, the dd was live when money left my account, but they are not interested.

Thanks Dave, will send it tommorrw. I agree, winding up DCAs is fun. After not receiving response to my email to the 3 directors, i sent this by email: Deleted as stupidly left my name on

I received a "Final notice" through the post (to my old address) from Mac Hall regarding an outstanding amount to a catalogue company. I rang them and gave them my new address, (i got brave after reading this site a few months ago and am attempting a self DMP, so far I have £15.9k of £21k successfully under management now, and am paying monthly instalments that are actually reducing my debt, so thank you !) Anyway, I am not disputing there may be a small balance o/s, but i certainly dispute the amount of £170 odd they are asking for. All seemed OK, I rang them and they agreed to provide copy of creit agreement, statements etc. I thanked them and stated if this amount was proven I would happily make arrangements to pay. The lady agreed all action would be with-held for 30 days whilst this was arranged. I put phone down reasonably happy with that. Then bang, Phone calls Friday, Monday, Tuesday, Wednesday, Friday, sometimes texts as well. Letters twice within the week. Anyway, like a fool i call them to discuss. Each time they state the same "we are calling re the o/s debt with blah blah" "We require payment". Even though they have notes on my file that i am awaiting docs to prove debt, they still constantly chase. I even offered a monthly payment of £10 to stop the calls (as i am aware of a small o/s debt, and am trying to clear everything) but they point blank refuse to enter into an arrangement. All i get is theyre going to take me to court and get an Attachment of earnings order unless I pay in full. I was also told they do not accept DMP's, whether direct from me or through a third party, they do not recognise pay plan etc ha ha. I called today after the latest text, and was told that their client has been informed of my request for docs, however if they send them or not is down to the client, the fact is i still have a debt on their system. I got hold of the email addresses of three directors, and emailed them compaining about the bully boy tactics. No reply. I have also sent recorded delivery a letter asking them to contact me only in writing, which has been signed for, but still they call. And they really really are the nastiest people I have ever dealt with. Rude, Arrogant, refuseing to accept ANY arrangement, making threats and putting phone down on me after saying that if it was down to them more interest would be added and they would have me in court tommorrow. Call ended saying they were going to send a bailiff round to seize my assets, yeah ok i said pull the other one. Downright ****. I know im not the only person to think that. My point is that they are refusing to confirm docs will be sent to me, they stated that even if they do not have signed CCA acceptance of goods from the catalogue is proof enough, which is strange as the one item i did order from the catalogue a couple of years ago was thrown through my open window without a signature. All I want to do is pay what i fairly owe without the constant harrassment and verbal abuse. Surely, if they take me to court for a CCJ they have to prove the debt, and if they can prove the debt why not send me the same proof so I can negotiate? I am just here trying to get peoples opinion, as i am sorting myself out the last thing I need is another CCJ and especially an Attachment of Earnings order, which would NOT go down well at work. I have seen lots of threads re these prople chasing members for false debts, all i am trying to do is get proof what i owe and then pay. Any advice on how to deal with them/take matters further gladly received. I feel at a dead end, each time they call or text i see no point ringing them, it just degenerates into nothing better than a row you would see on the street. Great site, thanks for your help so far, you really have given me the strength to deal with these people.