It worked on CFO

am having the same problem, they also took money out the day before they should have.

they must love you then

Well well well , it's seems A&L didn't cancel my older card, even though, I said I had lost both, naturally if it goes all the way, what's the betting they don't have the recording of the call, so would be my word against theirs. they have stopped it now, and have said I need to take it up with the other company, have said that's like talking to a brick wall. Have also noticed however, that my due date was the 5th, yet they took the biggest payment on the 4th, can i report this as fraud? thereby forcing A&L to do a chargeback.

I have said this to them, since then they have paid out another £130 , they say they cannot stop it, I have to talk to the company , total fob off.

I tried that, mine still paid out as they had sent me a new card, even though I havent activated the card yet

be careful, I did that, the bank still paid out on some transactions, even after I cancelled the card.

I have the same problem with QQ, they will not give bank details out at all. and keep changing their offer

Offer them the original loan plus 1 month interest, I have to say they were pretty good with me, although I have heard horror stories.

PDUK and wonga are usually fine, lending stream not dealt with, but have heard bad things about them.

Have to say, they were fine with me too, very proffesional and accomadating, quite a shock really , a nice shock though.

wonga on your list , maybe QQ as well.

no they wont get details from SO, make sure your new bank is a different group, or they will share your new details .

some do respond better if you tell them before.

Txt loan were the same, I took a copy of the convesation as it went along, saved it on word.

forgot that bit , well done, and stick at em , they will agree to your terms, they try to make you think they would never agree. they will .

If you can, close the old account

I did the same, but since then several have agreed payment plans, like you I no longer see the need for them(CCCS), the ones who havent agreed have broken so many OFT guidelines that they can wait now.

yep, you need to use another account and make sure your bank know you withdraw the other companies authority to take money as you are making other payment arrangements. If you need Txt loan bank details, have got them.

Open door loan finally accepted my offer of a monthly payment plan, faster payments, even gave me their bank details, so stick at it people, they too were adamant they wouldn't accept it without bank statements, pointed out they didnt need them, on advice from OFT etc. they alos waived the £20 default fee as I had requested a payment plan before my due date, worth a mention to anyone who is thinking of when to inform PDL companies. QQ left a message on the works answerphone on saturday, receptionist got it, also their offer of a payment plan was apparently time sensitive and has been withdrawn, replaced with one of only two payments. not much use, but I did ask them to delete my works number and they guy did say that he would make it so. we shall see. I do still need help on how to deal with A&L if anyone has any ideas

I've had the same problem, they do not want to listen or set up arrangements, just keep paying what you say you will pay and stop when you have paid back what you borrowed plus one months interest, then explain that their charges are unlawful and dispute the debt. That seems to be the advice given by those with the know how on how to defend, personally I don't mind paying a fair and reasonable amount for the option of paying over time, if they play ball. but that's just me, I believe in give n take, those like CFO however that wont play ball, I would just pay what you owe and see em in court for the rest.

offer them what you can afford, but be realistic, also if you dont want it to roll over, tell them, but keep it all in writing , not on the phone.

chances are they will try to make you just keep rolling over if you can afford the rollover each month, stick to your guns and tell them you don't want to roll over, you may need to offer them just a bit less to force their hand.

A&L have surpassed themselves again, once again, they allowed a few transactions through, despite my cancelled card and balance of 13p, £25 & £15 , but I managed to cover it before they could charge me for it, intentions of closing as soon as the transaction had cleared, but noooooooooooo, because I got the balance back to zero no doubt, they paid more out for £93 all in all, this time I can't cover it, so looks like I will get charges from them too. 247 moneybox took £93 in various transactions. A phone call to A&L and a visit to the branch later, the only answer they had was that they cannot stop a card payment and I need to talk to the companies involved. Here's the kicker though, 8 months ago they charged me £25 for 3 card payments due to lack of funds on the premise that they had to go before a decision maker to decide whether to pay them or not, now I may be no einstien, but if they cant stop a card payment, what's to decide? Bordering on fraud IMO , especially when you realise that I had the funds when the card payments were made, the money is then ring fenced so you cannot draw it out, the shortfall was due to a DD they paid on the same day as they(card payments) hit the bank, that there was not enough funds for in the first place, with or without the funds from the card payments, so if anything was refused, it should have been the DD ( i mixed up my days by 2 days) So my point is, surely either, I can have them for my charges because of the false claim and the deceptive manner they manipulated the transactions, or they are lying, can stop the payment and should have after I had complained last time and had a new card (that I havent activated yet), in which case can they hit me for unauthorised OD charges? Must be able to have them one way or another, they can't use the same defence on both. Back to the PDL, Open door loan are refusing to negotiate without a bank statement. Swift aren't answering anything I send them CFO what's to say , they are adding another £50 soon, oh what joy QQ I need to know if anyone knows if they have a payment method that does not involve giving them my bank details, they say they only accept paypal for full balance, presumably because they charge a fee per transaction

well, I have mentioned it to A&L before, if they carry on, they will be on their own, they'll stop paying then. In fact, there's a thought, the bank are saying they cant stop them , but If they manage to stop them once I tell em am not paying it, would I have grounds and proof then that they could have stopped it? I rang 247, the guy seemed ok, said a plan would be no problem, but that they would need new card details. provided me with bank details though.