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katyk

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About katyk

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  1. Thank you for replying. I'm going to go into my bank tomorrow and face up to it! thanks again
  2. Hi, I hope someone can give me some advice on a £350 loan I got with the money shop. In December I issued 3 cheques for £100 and one for £50. these cheques where used with my card, so i think that means they are guaranteed cheques, but i'm not sure. My card is just a visa debit. I've paid a monthly interest charge since to roll over the loan to the next month. However my work contract ended in jan and i have not been able to find work since. This has meant that this month I could not pay the interest roll over charges and stupidly i didn't ring them or try to sort the problem out before hand. I went into the money shop today and they told me that as i did not pay the cheques have now been cashed and i should contact my bank. I told them that there would be no funds in the bank to honour the cheques, so he told me to check with my bank as one had already gone through okay but that the other 3 were still due. if the remaining cheques were not paid then he said to ring head office to sort out a payment plan. I have since checked my bank and three of the cheques are on my statement spread over three consecutive days, but i have gone over my overdraft limit. i don't know if these will bounce back out or if the bank is honouring the payment. I also don't know why there are three cheques and not four on my statement. Could that one have already bounced in and back out? If any one has any advice to help me, then that would be great! I just need to know if I'll be paying both companies or if the bank will pay the money shop off and then i'll just have the bank charges for each cheque to pay. Any help appreciated thanks
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