Bank chargeback? but if it is a standing order you set up and control'd really not sure there is much hope from a banks prospective, I may be wrong always worth trying firstly or Issue a letter of complaint by recorded delivery (if you haven't already) giving 7 days notice and stating you intend to bring a court claim as a last resort, although this will cost initally and before considering this option you may want to be doubly sure that you have the facts right over what was owed? surprising as this lender used to confirm repayment plans in writing with a table of the payments required A cheque from a corporate company also can take 4 weeks and longer to process/receive - also worth bearing in mind How have you been communicating with them up till now? did you get the plan in writing?