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    • ok again thanks for all advice , im going to continue and struggle on paying the wifes debts and maybe look at getting reduced payments but as for mine i think ill go down the DRO route and try get it sorted but will see and open new bank account somewhere first
    • Nothing to do with your own Bank.     Try to withdraw the money from Parentpay early next week and if no joy contact them.   It may be that the money is showing, but has not fully cleared on their system,
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willy53

help anyone got any ideas

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i have numerous payday loans i have been borrowing off one to pay the other, i defaulted on some, and basically unable to pay the others, if i cancel my direct debits and report my card lost, can these companies still take money out of bank

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To my knowledge if you cancel the DD and the bank does allow them to take the payment you can claim it back from the bank. So the answer is no they shouldn't allow them to take it. If you cancel make sure you put it in writing to the bank and preferably take it in to the bank.

Do you have any signed agreement with them, are they enforceable?

DG


I have no legal training my knowledge comes from my personal life experiences

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i did it all online i have no signed agreements, i have e-mailed them explaining my situation and have made them offers

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If nobody with the knowledge come by tonight I'll check it out with our legal boffs at work tomorrow and see what they say.

 

DG:)


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thanks diamond girl that would be great, hope to hear from you soon

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Hiya - no expert but matching personal experience, downward spiral using one to pay back another, about to default (end of this month). Moving to parachute account to enable complete control (not sure where will be with the cheque related accounts). I have had the lightbulb moment and will pay them all back but need to control how I do this and keep a roof over the families head! The direct debit advice from Diamond girl matches my experience - I have claimed one of these back from the bank. The debit card issue is a problem (see EPDL thread) but in theory once the card is cancelled they cannot take payment (seems as well as cancelling the card you have to advise the bank to decline any further payment request by xxx company with whatever card details they hold (I do not see why cancelling the card does not do it but would seem not to be case!).

 

Bit long winded but hopefully helps a bit! Will keep in touch as we are in very similar places with this!


MJC 007.5 :cool:

 

Advice or opinions offered by mjc 007.5 are personal, offered in good faith and without prejudice or liability. Your decisions and actions are your own and should you be in any doubt then please seek the opinion of a fully qualified and insured professional

 

:) If you think I have helped you please feel free to click on my scales :)

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Legal boffs not in yesterday will be in Monday so I'll pick their brains (if they have any) its an awful place I work but most of the staff are great. It"s a debt elimination company - do not go down this road it's a real rip off lots of clients have now got CCJ and charging orders - it's costing a packet as well. I have seen a fair number of payday loan letters going out but I never get to see whats written but I'll definately find out what the best plan is for you. Can't wait to find another job.

DG:)


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thanks diamond girl, any help would be grateful, so your job like most lol

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thanks diamond girl, any help would be grateful, so your job like most lol

 

Yeh, got an email from payroll yesterday (can't even walk through a door to tell me face to face) that I have logged off early on two separate occasions and not to do it again otherwise they will dock me 1/4 hr pay - ruddy cheek computer said 20.00hrs they say I logged off at 19.59 another one was logged of 15.59.2seconds and not 16.00 hrs. Thats the sort of place it is, said to OH last night let them try it, I'll walk out and tell them where to stick the job. Have to be logged on and sat at desk for start of shift, but if you log on early you don't get paid anymore. Sacked one guy last week coz he looked bored while he was in a training session, told him finish your shift and don't come back. Sure there must be a law against their treatment of staff.

DG:)


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Folks may already know this (and if so apologies!) but update that may be useful on the card front - First Direct insist that the only way cancelling a card will remove the "continuous authority" that most of the pay day lending companies set up when they have your card details is if the card is reported as lost or stolen. Changing the card because it is damaged does not do this (I wish I had known) and they have to take the payment against your authority before the bank intervene. Will not be relevant now for me as moving to basic bank account at the end of the month, However for others it would appear I am being told the only way to stop them accessing your card is to "lose" it or have it stolen! :mad:


MJC 007.5 :cool:

 

Advice or opinions offered by mjc 007.5 are personal, offered in good faith and without prejudice or liability. Your decisions and actions are your own and should you be in any doubt then please seek the opinion of a fully qualified and insured professional

 

:) If you think I have helped you please feel free to click on my scales :)

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doesnt sound too good a place were u work diamond girl, im sure they couldnt take 15 minutes of u for clocking off 50 seconds early

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It's not a good place to work. They interviewed 10 more idiots to come and work for them today. They can and apparently do dock 15 minutes if you log off early even a few seconds. Made sure today and logged off 5 minutes after I'm supposed to finish, talk about trying to get blood out of a stone.

 

Payday loans as posted above the only way is to say the cards lost but you MUST also cancel at the bank. I'm informed by the legals that they will still come after you for the money if you have any agreements etc., just check they are enforceable.

 

Sorry it's not that much help I don't think but when the head of legal comes in (apparently she's off sick which is no suprise working there) I'll double check with her.

 

DG:)


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