Thank you for your advice I will retype and search again.I don't have specific dates at the moment but can get them.

Hello, a friend of mine ordered online 2 'free samples' of cream and all she had to pay for was post and packing. She has now discovered today that the company have deducted £190 from her account and is at a loss as to what to do. Her bank refuse to re call the transaction and cancel her debit card, and the company in question is based in America. Any advice would be greatly appreciated...

Thank you once again for your advice,I will say all if this to them,they are accusing me of being un co operative..which I haven't been in the slightest!

Thank you ...

I emailed them after your help the other day and explained that they are not legally allowed to ask for any documents except an income and expenditure form which I have offered more than once to them but they do t want one..so at a bit if a lose to be honest.

Hello yes sorry i did have another thread but couldn't find it. Thanks once again for the advice, they say that they are entitled to ask for any documents that they require to even consider putting me on a payment plan, I know this isn't the case but I was just unsure as to how to handle them.

Hello...I am still having problems with the above mentioned company. They are demanding a wage slip, and when I explained to them that they are not entitled to ask for one t hey have come back to me and said Yes we are, whoever told you that had given you the wrong information . Please can you help with an answer I can give to them? . ...many thanks ...

That's what I thought,thank you very much for your help.

Hello.... just need a little bit of advice with the above mentioned company. I am trying to set a payment plan up with them and they are saying that without seeing my wage slip they won't consider even trying to help me. I know they aren't allowed to request your bank statement and wondered if it was the same for your wage slip? Any advice would be greatly appreciated ....

Hello,does anybody have a name of who I should be writing to at CFO?Do they actually have any managers or anyone that you can contact ?

Thanks for your advice.

How do u suggest I deal with Capital finance one now?

What are the payment regulations and what is an Iba?

Please can someone tell me exactly what I need to say to my bank to make them cancel all Cpa's.....they r not having at all and because of this they r putting me more and more in debt!

How do I now deal with CFO,I have asked them to send me proof of the so called application I made with them,this is crazy these pdl companys never cease to amaze me!they r refusing point blank to refund me,what do I say to them?And sorry to be a bit dumb but what is an IBA?And what exactly to I cite to the bank?

Have just heard from CFO,they said I made an application to them at 4.20 on the 1st March.....OMG what rubbish,I mean why would I??I was at work anyway which of course I can prove....this is unbelievable,I have heard everything now!what do I do?

Have just heard from CFO,they said I made an application to them at 4.20 on the 1st March.....OMG what rubbish,I mean why would I??I was at work anyway which of course I can prove....this is unbelievable,I have heard everything now!what do I do?

I have no idea!!!!!

Thanks for both your replies.I informed my bank about 9 months ago to cancal all CPA's on this account,and also withdrew my authority with CFO.Just because I applied for credit on line does that give cfo the right to cancel my payment plan and then take money from me again?They are not replying to my emails at all,I don't know where to go from here am really stuck.They say they won't refund me and that's it.I have written to my bank and hand delivered it today raising this problem so they have to give me a refund right?how do I now deal with CFO?

Hello I nedd some help please with capital financeone.I have been on a payment plan with these scumbags for about 9 months now,I never miss a payment and am always on time.During these months they keep hassling me with calls etc which I have complained about and they stopped for a while.I was on line the other week looking at car finance and I applied for a loan and incendently got accepted.Yesterday I receieved my bank statement and I see that CFO withdrew 2 x payments totalling £300 roughly.I withdrew authorisation from all payday companies to ever take money from me again,and as you can imagine I am livid with anger.I emailed CFO last night and have just had a reply saying as you applied for finance on line,they have now cancelled my payment plan and phone calls etc will now start again and will not give me a refund!!Please help me tell them what to do?they have now made my financial situation even worse and I now have no money.I have also written to my bank as I requested along time ago that they remove ALL cpa's on my account but they authorised it and I am so angry!!!!!!!Please help me???

Thanks for your advice,I really appreciate it x

Hello..shall I tell them that's what am gonna do or just leave it for them to find out?thanks for your advice x

Hi renegadeimp.....I emailed the dca and told them I will continue to pay p2day and she said if I don't pay them they will then take further action against me,shall I just ignore her?

Hi,an update for you,have had confirmation from the dca that they do not own the debt,but say I have to keep paying them not pounds2day blah blah blah....sent complaints off to both of them,heard nothing from p2day so who do I pay??I am confused x

Hi,just reading your post...here are p2day bank details for you if you still need them x Barclays Account no 13826945 Sort code 200353