Hi guys, absolutely LOVE this forum, its seriously helped me and alot of other people I'm sure... And while I'm not legal expert I feel a lot more equipped than I previously did. That being said lol any ideas where I stand on this? As noted in my thread earlier: (Cannot post links yet) 'Some-advice-on-a-few-of-PDL-s-needed-please-' QuickQuid took some money from my account, I disputed this with HSBC (who'm I have told I did not want any more transactions being made by this company - I just didn't know there was legislation at the time). HSBC then redebited my account after a letter stating 'proof' was given (I didn't receive any such proof, just the letter) and now I am £200 over my overdraft limit, with nothing to be able to put towards it for a couple of months.... Would the information from the FSA be able to help me in getting this back? Or do I just try and make small payments to HSBC along with the other 19837478 companies after every penny I have at the moment? lol (Sorry for the exaggeration )

Right I'm going to keep this short as possible I have about 6/7 PDL's and have informed them all on a number of occasions I am on a DMP with CCCS. My first payment is due to go out 1st August. Theres 4 things I need advice on (all different companies)... 1) Quickquid took £200 out of my account last month even though they knew about the DMP etc, so I had it reversed. My bank [HSBC] wrote to me stating the amount woud be taken again since they had receieved proof etc. So I rang up HSBC, and told them while I did owe QQ money, I had not authorised the £200 and that I wondered if they could hold off redebiting my account since there is no money in there - I have switched accounts now thanks to all the PDL taking money unauthorised.. I wrote to QuickQuid asking them to wait until my first payment through CCCS was made but had no reply. Fast forward to last week, and I discover that HSBC, even though they said they would hold the redebit until 6th August have taken it out. This has left me £200 over my overdraft limit... So what is best to say to them? 2) Minicredit have sent me their usual threatening letters, but the latest one stated if things werent settled by 7th august, they'd have no choice but to pursue legal action and what not: Should I be worried about this? 3) Marshall Hoarse Bailiffs: First of all: WHAT A BUNCH OF C***S! (Excuse my french ) I received a text from them about 30 minutes ago, and after searching the net cannot find anything similar: VISIT ARRANGED. Call now on 08433811111 to confirm a convenient time for this as waisted visits will be charged for if no contact is made and you are not home. Seriously? 'Waisted' ? Not only can they not spell, but they are now actually telling me they have arranged a visit. WHAT THE HELL DO I SAY TO THEM? As you can tell, I'm getting to the end of my tether with all these bullying tactics, and am starting to be worn down by the threats I'm receiving Please if anyone has any advice, I'd love to hear it