they did it to me i have no arranged over draft but the bank still let them take 400 from my empty account.then the bank declined the payment and charged me a total of 170 so far going up by 90quid a month.payday ex are bombarding me with texts and calls my phone is constantly ringing hourly.these companies are **** they prey on the desperate are quick to answer when you want the loan but when theres a problem you cant get any reply.i contacted them before all this to ask for a extension but had no reply,thats how they work and make money they count on people like us defaulting on payments then hit us with charges worth more than the loan. the only advise i can give is some banks may be able to recall the money if its a direct debit .i successfully recalled a 30pound charge but that was the same day it was taken out but its worth a try and contacting your bank but you need to ask to recall it if you ask in any other way youll get fobbed of think is some sort of code or somthing lol the word recall worked .shame i cant recall the bank charges . GOOD LUCK:wink:

ive had a similar problem with them and am now 170 overdrawn on an account with no arranged over draft a bank with rbs and took out a loan with payday express but then found myself out of work before the repaymment date.i contacted them to let them know and ask if i could deley the repayments but had no reply so on the repayment date the money was taken from my account making me overdarawn.then the bank declined it and charged me so not only did it not get paid and iam getting harrassed by payday ex iam been charged by the bank because it went overdrawn then the charge from the bank overdrew me so got charged again the last charge was for 90quid so now my account is sitting mounting up with charges.i asked the bank to freeze the account but the wouldnt.i also asked them before all this to cancel any direct debits.which they failed to do they did however recall a 30quid fee from the company but that was really no use to me as that didnt even cover the bank charges. i think these companies prey on the needy and desperate we find ourselves in financial difficulties and turn to theese companies at the time the money is good but its not worth the stress and debt later. i wish i never took the loan out and feel i will never catch up with repayments the charges from the bank and payday ex are daylight robbery. to the op i hope you get yours sorted i know what your going through

:?:my step daughters mother is currently paying around 60 per month on a prepayment metre. iam not sure what company she is with i know its not bg . she was told it would be cheaper but has found the costs rising greatly over the last few months.last week she was away and the house was empty the heating was set on a timer for the animals.but still in that week 12 was used from the metre.its a 2 bed small house with gas water and heating and gas cooker.she lives alone with one child.and dosent use the gas excessivly.but at 60quid a month this seems awfully steep for a single mother on benefits .please could anybody give a average price for gas on metre.for a similar sized house and family. thank you.