Thanks

Sorry to bump this up again but no reply from my bank and the have not refunded the payments made. What's my next step? Thanks

Can anyone help me get started with starting the chargeback procedure? Who do I contact? Shall I send them copies of the letters I sent LS so they know I did not authorise the payments? Thanks

How do I go about this then, jut print a copy of the debit chargeback with a copy of the letter I send LS and ask them to chargeback as it was clearly not authorised? Should I request money be refunded ASAP then they investigate? Thanks for your help.

I know they are going to say that they didn't receive my letter as I posted it. Can I still claim the money back via charge back as I have a copy of the letters I posted to LS trying to arrange a payment plan and advising I revoked all authority to use CPA as a means of collecting money from me?

So a little update. My banks complaints dept called me tonight and they have refunded all of the charges that i have and was due to get. This still left me with an amount over my od so she removed this amount and brought me back to my od amount. I asked her while I was on the telephone about the Chargeback Visa Debit and she advised she is not 100% sure but she thinks that as it was a CPA and I didnt cancel it in branch with them then there is nothing they can do about it. She cancelled my bank account and moved it to a standard account so card is cancelled and account numbers do not exists anymore??? She gave me the number for Debit card dispute and i called them, they can not find me as she cancelled my account! the guy on the call advised that they def would not be able to take anymore payments from my account. he said there was nothing he could do as he can't access my account. How do I go about getting the money back that they did take from me? LS are useless cos they have got the money they refuse to answer any of my emails and I refuse to call them. I want to get the money back that they took from my account as I am being charged daily for my od so I want to pay this off with the money I get back. can somebody help? Thanks

Thank you so much!

I just sent the letter by 1st class post, I do have a copy of it as I sent it twice after not receiving a reply the first time. Can I ask why they would authorise the payment if there were no available funds in my account. Surely it is my decision to make a payment they alway say that we need to actively manage our own accounts but they can authorise payments when I have clearly Not placed funds in my account to cover them.

Hi, I did send my bank a letter stating that I wanted them to cancel all CPA on my bank accounts. It was a visa debit card. Thing is my bank never replied to me about the CPA letter so I don't know if they received it.

Hi, I wonder if someone can help. I stupidly had a loan with Lending stream and had tried on several occasions to set up a repayment plan with them. I sent them several letters stating that I was revoking any right for them to take payment by means of CPA. Anyway they raided my bank account and my lovely bank (HBOS) authorised payments of over £500.00 so it took me well over my overdraft. I wrote to my bank about it, no reply. I wrote again, no reply. I sent a final letter on Saturday asking them to start chargeback process as I did not want these payment going through my account, I have never authorised this amount. I state on the letter I do not wish to be contacted by telephone as I can not answe my mobile at work. I receive a voicemail from my mobile asking me to contact them. I can't, they open 9-5 I work 9-5, they close for lunch 12.30/1.30 I'm on lunch 12.45-1.30. What chances do I have of getting my money back, they at charging me £100.00 per month in bank charges for these payments even though I had no money in my account to Pay them. Why did my bank pay them when there was no available money? In the past they have sent me a letter stating that they couldn't pay something then gave me. Bank charge this time they let the payments go through then charged me for being over drawn! I hope someone can help. Thanks Ps sorry for any typos I'm on my iPhone, the pc has died

Hi, I wonder if someone can help. I stupidly had a loan with Lending stream and had tried on several occasions to set up a repayment plan with them. I sent them several letters stating that I was revoking any right for them to take payment by means of CPA. they raided my bank account and my lovely bank (HBOS) authorised payments of over £500.00 so it took me well over my overdraft. I wrote to my bank about it, no reply. I wrote again, no reply. I sent a final letter on Saturday asking them to start chargeback process as I did not want these payment going through my account, I have never authorised this amount. I state on the letter I do not wish to be contacted by telephone as I can not answe my mobile at work. I receive a voicemail from my mobile asking me to contact them. I can't, they open 9-5 I work 9-5, they close for lunch 12.30/1.30 I'm on lunch 12.45-1.30. What chances do I have of getting my money back, they at charging me £100.00 per month in bank charges for these payments even though I had no money in my account to Pay them. Why did my bank pay them when there was no available money? In the past they have sent me a letter stating that they couldn't pay something then gave me. Bank charge this time they let the payments go through then charged me for being over drawn! I hope someone can help. Thanks Ps sorry for any typos I'm on my iPhone, the pc has died

Should have said its just capital plus one months interest they have agreed to be paid back.

Just wanted to say thanks, they accepted my proposed plan and they have sent me their account details to set up a standing order. thanks very much

Why should I go back and say? Just that all I can afford is the £40.00 that I offered. Their offer doesn't make any sense either it looks like they just picked random numbers and said yeah pay this for X amount of months!

Thanks for that! I sent emails to all payday loans and I received a few replys back, usual from wonga, please fill in the attached form. 1 month loan sent me a strange reply, would anyone mind having a look? Dear Lesley, Thanks for getting in touch, your correspondence is much appreciated. I have reviewed your account and based on the period of time you have been outstanding I am able to offer you a payment plan. In order to ensure your account is settled as quickly as possible I can offer you*either*4 instalments of £106.00 or*8 instalments of £65.00. On receipt of the final payment from either option, all remaining outstanding balance will be removed and your account closed as paid in full. This agreement has frozen your account balance at the below point: Due Date: 25/07/2012 Original Loan Amount: £325.00 Initial Interest: £97.50 Further interest added (as a result of default): 2 X standard interest: £195.00 TOTAL BALANCE REPAYABLE: £617.50 Please provide the following details so we can action your repayment plan; ·******** Payment date (the date you wish the money to leave your account each month) ·******** Payment amount (the specific amount for us to take from your account) ·******** Card Number (the long number on the front of the card) ·******** Start Date ·******** Expiry Date ·******** CV2 (last three digits from the back of your card) We are committed to working with customers who are in genuine financial difficulty and hope that, if you are having difficulties in meeting the required payment, you will contact us with your payment proposals. We look forward to hearing from you. ----------------------------------------------------------------------- Dear sir/madam, I am writing to you to inform you that due to sever financial difficulty I am unable to meet this months scheduled payment.* I have had a very unexpected change in my personal circumstance and I will be unable to pay the current open loan in one payment. I propose a repayment plan to assist in clearing the outstanding amount in the quickest means possible to me. I propose £35.00 every month for 6 months, to be re-evaluated once the 6 months has expired. I would greatly appreciate that all charges and interest are frozen to allow me to pay back this sum as promptly as possible. I would also ask that all communication is done by email, letter or by my personal mobile phone, I will not be able to answer my mobile phone during working hours, however, if you leave me a message I will respond to this once I have finished work for the day. I am not permitted to take personal calls at my work place and this would be frowned upon by my workplace so I ask that no calls are made to this number. Can you please send me your account information so that I can set up a standing order for the payment to be made? I shall ensure that this is set up for payment to be received no later than the 27th of each month. I do hope that we can arrange a payment plan to alleviate the stress of my whole situation, and to also enable the repayment of the loan to your company as promptly as my finances will allow. I look forward to hearing from you and will help in any way I can to organise repayments with your company as soon as possible. Your faithfully Lesley Campbell * * / [email protected] * / 1MonthLoan Team 1monthloan.co.uk is a trading style of Think Finance (UK) Ltd, registered in England & Wales, company number 05041905 Registered office: Fortress House, Skyliner Way. Bury St. Edmunds, IP32 7YA. Copyright © 2012 Think Finance (UK) Ltd The information contained in this message is for the intended addressee only and may contain confidential and/or privileged information. If you are not the intended addressee, please delete this message and notify the sender; do not copy or distribute this message or disclose its contents to anyone. Any views or opinions expressed in this message are those of the author and do not necessarily represent those of Think Finance (UK) Ltd. No reliance may be placed on this message without written confirmation from an authorised representative of the company *