Hi Only thing You need is to call your bank and rapport that your card is lost or stolen, just make up something, i told them i had lost my card on the bus. And then make sure the direct debit is cancelled, try check your bank account from at least 4 days before you get paid. I was worried like sick as well regarding PTP, but they didnt take any money despite i have heard rumours that a payday company can take ur money out on a cancelled debit card or lost card, or they can go into your account and take the money....that is not true!! just get your card rapported stolen or lost asap!! and u can still go into the bank and take all money out just bring identification. hope this helps and calms You down.... dont worry.

Direct debits can be set up the same day they are presented, they can also be cancelled by you if you spot them Same day they are presented? i dont quite understand? If a direct debit has been set up, and i have cancelled it. Do You then mean they can just set it up again like tomorrow thursday, and money will be taken after midnight? that cant be clearly correct? hope someone can calm me down? I have to rapport my card lost/stolen tomorrow thursday with Barclays. Which means i wont be able to acces my internet bank until i get new card But if they set it up, then they wont be able to take money trough direct debit until the next agreed date correct? I have just read some rules around direct debit, and if i cancel agreement or delete it from my internetbanking.... then it has to be setup at least 3 days before amount gets taken.... but what now if they like next week set it up, can they then take amount before the 26th which is in the original direct debit contract (agreement) ? Hope someone can give quick answer Thx.

Hi ive also got into the horrible payday jungle i owe ptp, and i have cancelled Direct debit, and been checking all week, i get paid friday 26th, and can see they have not set it up again, or sent me emails or called after i cancelled it. Im gonna repport my bank visa card lost / stolen tomorrow. But i am worried something can stil go wrong so they take the money. I also need to take the money out of my account on friday. But rules are that direct debit has to be set up at least 3 banking days before they get taken, isnt this correct? hope someone can calm me down Also i will still be able to take out money on friday in barclays as long i bring my identification like passport or driver license? Also in trouble with UncleB etc.. really worried and afraid. Because i cant let my fionce know that ive messed up again. I just want to get back on track, and get them paid off trough a debt collector, just dont want her to find out

i am a cheeky monkey thats fed up with all the payday loans, thats all my friend

Huh?? what has that at all got to do with this thread? wake up

Dont worry , They can take the same amount back they put into Your account. Just give them a call, they are one of the best payday loans out there... so dont worry about it. Give them a call in the morning It also means that You wont have to pay back interest or anything. Let know what they say 0871 271 6111 [email protected]

also anyone could give me the correct address for sending these letters? Ive searched, and there are 3 different addresses

Also sorry >> this text in the letter >>> I calculate that you have taken £XXXXX plus £XXX which you have charged me in interest for the sums which you have taken. Total £XXXXX So i have to delte "plus £XXX" ? And i put total amount of charges in "taken £XXXXX" and of course Totatl £XXXX ?

Thank You again Hope i can have a quick answer Because im off to post office to do a recorded delivery I have completed the pre letter, with addreses and account number etc. Also done the charges letter. What about signature.....ive read i shouldnt used my real signature? Or is that in different cases?

Thank u again, sorry i ment '' Returned direct debit '' charges Because i have had 2 of them since April 2009 when i took out the card Ill make screen shots of the letters im sending tomorrow. Of course with names etc blacked out

Hi Again thank You for taking the time to help me out Because of lot of work from morning to late night, ive not had any time almost. But i have managed to get all the charges of 12 pounds set up on the spreadsheet together with dates and total amount. And i have also removed the interest calculation, as this is only needed if ends in court. Hope i am right here I am off work friday, and i am going to send the spreadsheet and also the other letter trough recorded delivery with royal mail. But i have one last question, as im still in doubt if there is more i can claim or if its only the late payment and over limit plus direct debit charges of 12 pounds. Here is the last statement from my barclaycard online ----------------------------------------------------------------------------------------------------------- Date Description Cardholder Category In (£) Out (£) Expand all 19 Jan 10 Interest On Your Standard Balance INTEREST 2.075% Mr x 4.91 19 Jan 10 Interest On Your Cash Balance INTEREST 2.075% Mr x 1.13 19 Jan 10 Interest On Your Default Sum Balance Default Sum Interest Rate 2.075% Mr x 0.39 19 Jan 10 Late Payment Charge Mr x 12.00 19 Jan 10 Over Credit Limit Charge Mr x 12.00 19 Jan 10 Plan B Payment Protection Mr x 2.81 Total 0.00 33.24 Last statement balance 325.18 Current balance 358.42 ----------------------------------------------------------------------------------------------------- My credit limit is 260.00 pounds Can i claim anything else there or back? Also last question, As i have not paid some of the months and not paid last month, will this give problems in me claiming? as im afraid if im in dispute with the contract rules, as i have not kept minimum payment? But main reason for this, has been because i have been furious with Barclaycard, as they are really p... me off, especially one woman that is hard to understand, who i have spoken to lot of times, both when she has phoned me at work, also my mobile. Even when i contacted them a couple of times way back, i went trough to her...call it luck hehe When she phoned, she kept saying You need to pay , what will You pay now, and she kept repeating herself... i ended up most times screaming in the phone, that i am not paying until Barclaycard contacts me proper so i can understand, or someone that will listen to me.... Your charges are unlawfull GRRR.... Sorry had to have this out exhausted after work again!!! Well hope i am not to enoying.....will be the last from me, hopefully i can get last thing on place, so i can post letter (letters) on friday Regards Paaske

Thank You so much Slick just what i need to get going, im gonna look into this tomorrow morning. Can i send Barclaycard an email from my secured account page, and ask them to stop keep calling my work and sending texts etc on my mobile? I allready spoke to them months ago, that i was furious that a automatic voice called up to my work phone, and saying this is barclay card....asking for me. Also ask them to stop adding charges etc, because my account / barclaycard is in dispute? But they have done it again last week. If anyone have a suggestion what to write them, then i would be gratefull. I have an idea and will try making that in the morning. But it is possible for me to put my account in dispute? ive read that other places, but not sure if its correct in my case, as i somehow have missed out on payments. Thanks again

Please anyone able to give me a hand? As im really confused what to do, i have some ideas, but dont want to get off to a bad start. Want to make sure i do everything from now in correct order, to make proper action, for the best possible chance of getting refund and get my balance up to date. Thanks Guys, hoping for answers soon :-| Sorry im just a bit impatience, because i need to action asap, before it gets worse.

Hi there. Hope You can help me and give me advise on this. As i have been searching and been reading different threads and also forums regarding all this with claiming back charges etc... I am hoping this will be possible in my case, allthough i have got confused if its only old charges when they were a lot more than £12? I took out a Barclaycard back in April last year 2009, it was ment for me to be a kind of reserve and also good to have. If i was going on holiday and needed a bit extra cash. But things changed from that and turned into nightmare for me, because i moved from Denmark around 2 years ago, my credit score is very bad etc. Despite i have good full time work now and have been since march 2008. But i used my fionces bank account for my wage salery etc.. and didnt open a bank account until April with Barclays. And also tried different companies for a creditcard, and Barclaycard accepted me. Since then i overspent, and didnt really think to well. So suddenly my Barclaycard reached the 260 pound limit. I paid in full, but then spent it up to limit almost. I continue paying the minimum as i should, but problem also is that the payment date is 15th, and i get paid 26th from work. So i ended up getting late payments fees also had direct debit rejected etc.. Long story ill keep it short I also tried contacting Barclaycard several times regarding this, that i wanted to change payment to around where i get paid to avoid all this. But because of different things i havent followed up on it. And now my account keeps going over limit because of charges etc..Also had months i havent even paid minimum. My other problem has also been that ive gone into the payday jungle because of my credit score, i coudlnt get any low interest loans. As i really wanted to try get a transport for myself to work, as i am using bus, and that is horrible here in UK. You cant count on anything, and ive ended up spending lots of money on taxies So my situation is quite bad right now, also fighting with Vodafone because of a stupid expensive mobile contract i took out with them at 45£ a month, because the phones i really wished for, could not be taken out at lower tarif with any other mobile companies, as they all rejected me back then. Sorry for this long text, i will answer any questions, as its a bit hard for me to explain proper and keep it together To cut it short, please help me and answer if i can claim back charges for my barclaycard? they are all 12£ charges i have mad charges list here, not including last couple of months. Over credit limit charge : 12£ 19th may 2009 12£ 16th june 2009 12£ 16th july 2009 12£ 18th august 2009 12£ 16th september 2009 12£ 16th october 2009 12£ 17th november 2009 12£ 16th december 2009 Late payment charge : 12£ 16th july 2009 12£ 16th october 2009 12£ 17th november 2009 Payment returned debit charge : 12£ 17th july 2009 12£ 16th october 2009 Total 156 pounds. What can i do and what should i do? I see this is a brilliant forum, please help me get sorted and get back on track, also if anyone can help me regarding the paydayloans and phone contract. I have been thinking about going to Barclays (my bank), and see if they can help me with a loan or overdraft of 1000 pounds. And then i will clear the paydayloans, and also get back on track with Barclaycard and also phone. Allthough i have low credit score, and also not best credit worthiness , then i somehow hope they might be able to help anyway, if i am honest and put all things on the table? But most important as this is mainly what the thread is about, can i and what should i do regarding the 12£ charges?? as if i could clear them, then i would easily be able to maintain the card again with proper payments every month. Thank You all, please do not comment and tell that ive been stupid, and why take out payday loans.. etc.. i know that!! that i was stupid, and i am regretting all that now I just want to learn from this and get back on track