sorry this is the email i sent. the bank were not interested so i sent it oo the company instead. doubt it will help "I did not authorise the transaction and it is a civil debt which must be recovered legally in the correct manner and I did not authorise the three digit security code (ccv) at the time of the transaction. Please return all monies immediately. Further Information Section 40 of the Administration of Justice Act "S40 Punishment for unlawful harassment of debtors. A person commits an offence if, with the object of coercing another person to pay money claimed from the other as a debt due under a contract he- harasses the other with demands for payment which, in respect of their frequency, or the manner or occasion of making any such demand, or of any threat or publicity by which any demand is accompanied, are calculated to subject him or members of his family or household to alarm, distress or humiliation; falsely represents, in relation to the money claimed, that criminal proceedings lie for failure to pay it; falsely represents himself to be authorised in some official capacity to claim or enforce payment; or utters a document falsely represented by him to have some official character, or purporting to have some official character which he know it has not. A person may be guilty of an offence by virtue of sub-section (1) (a) above if he concerts with others in the taking of such actions as is described in that paragraph, notwithstanding that his own course of conduct does not by itself amount to harassment." 　 Office of Fair Trading OFT warned payday lenders that they must not misuse debit facilities to vary the amount or date of a loan repayment. The requirements now imposed by the OFT state that: only take money from the borrower's account on the date or dates set out in the loan agreement, unless otherwise agreed with the borrower in advance not change the repayment amount unless this has been specifically agreed with the borrower in advance only take money from an account specifically given for the repayment of that loan. 'We have made it clear that we will not tolerate companies misusing repayment facilities and we will take action to ensure that unfair terms are not used. Those who offer payday loans must do so responsibly and in accordance with the expected standards.' Ray Watson, OFT's Director of Consumer Credit Businesses should not include terms in their contracts with consumers that enable the business to vary the date and amount for collection without prior agreement. The OFT considers such terms are likely to be unfair under the Unfair Terms in Consumer Contracts Regulations 1999, as they have the potential to operate to the significant detriment of consumers. For example, where money is unexpectedly taken from consumers' accounts during a time of financial difficulty, consumers may incur additional fees and charges from their bank or financial provider. "

SAME THING HAPPENED TO ME THIS MONTH THEY TOOK 420 OUT OF MY ACCOUNT TAKING AS MUCH AS 4 PAYMENTS IN A DAY. TODAY THEY TOOK £10 I TOLD THEM I COULD NOT AFFORD ANYMORE AND THEY WENT AND TOOK ANOTHER £30. IT MEANS I CANT BUY FOOD AND THAT I HAVE TO WALK AN HOUR AND TWENTY MINS TOO AND AN HOUR AND TWENTY MINS BACK FROM WORK. I just used the email to send to bank that i saw on here but when i called the bank to ask for an email address to send it too i was told there was nothing they could do and if i made a complaint it would not be carried further... most unhelpful!!!!!!!! i don't deny that i owe the moey but i think to just take it and take it and take it and take it till the card declines is unfair!!!!!!!