okay everyone, gettingback to everyone who helped me with the DCA taking money from my account when they shouldnt have. I went to the bank to explain my situation and they got my money re ebursed to me the next day. So im safe for now, oh and another thing, I asked for my bank manager to update my solo and he said it was not possible couldnt untill the dept was replaid yeah, all £3334 of it, well i guess ile be reviewing my financial situation in two years then! A big thanks to everyone who helped me through the money [causing problems] of the DCA. cheers.xxxxx:grin: your all brilliant!!

well im no expert HYMOHYMO but if you go back to the main menu, all the forums just have to click on one of the threads and that will enable to you to post a reply or up the top of the page itl say - start new thread. try it. Is what you have to say remotely related to my situation? you ok? what ever it is your worried about these people who reply are brilliant they really help.

definitely going for standing order or internet banking. Thanks people you really are sooooo helpful. much appreciated, at least someone else is out there to offer smart and quick advice. cheers.

thanks. Il give it my best shot and ile get back to you about it all. If I dont get this cash back I wont know what to do. I cant get an overdraft facility with Natwest im credit listed because my previous employer couldnt pay me for 2 months, say no more eh. I cant get credit cards to build up my credit rating. I earn less than £1,000 a month and im sick of not earning enough to pay bills, the more hours you work the more your taxed hardly makes sense does it. Im telling you I can understand why people turn to prostitution or throw them selves off buildings. I hate struggling like this every month. Ive never been on the dole but I know why people just give in and stop working, its not healthy. Sorry about moaning.

I just wan2 say thank you for all your efforts in communicating with me, helping me to understand as im not all that clued up regarding 'my rights'. I appreciate your time I really do, your very helpful. I just hope this is the case and I can be helped or I am in serious doo doo. Thanks ever so much.

okay sorry I havent replied to the first post, first payment I used a solo. and then organised for direct debit there after. When I called back in Aprill to re organise the amount for just this month they took the solo for £50, the direct debit stood for future payments, so i made no adjustments myself to my account i.e told the bank that there is a payment that should not be allowed to be taken on the 5th Aprill (that first installment of £200?, so i guess im in the crap house now. I have never been in this situation and im panicking so much about this i really am. is there any point in me calling these guys monday and crying about this? jeeeeeze. im pulling my hair out here.

Thanks for replying. I agreed first installment for 5April, beginning of this month my cicumstances changed, cut a long story short I had t move out. I called them to renegotiate and I agreed that they take out £50 so i cover myself this month, they took payment and 'Chris' confirmed that the first installment would be on the 5th of May. So although I had the £200 for 5th April in writing - didnt sign anthing mind. I havent got anything confirming our latsest convo. well im guessing which way this is going, right? Im not going to get that cash back am I mrmarmite??, okay i could realy cry right now.

I need some quick advice guys n girls. I have agreed to pay the DCA £200 a month and swipe dept in under 2yrs. The problem is they have not only taken a good will gesture payment but taken out the £200 before the date we agreed first installment of this amount. im devastated and NEED that money. how can i get this back?? im in trouble if i cant get this money, this will put me in even more of a hellish predicament. help!!