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weemuaa

cheque center unauthorised debits help!

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:mad:hi, i missed a payment with cheque center to repay a payday loan i had with them i agreed to pay them 40 pounds out my account over the phone,, this was just before i went on holiday, i then logged into my account online to find out te had taken a series of debits totalling £155 over a week, including £100 that my mum had transferred to me incase of an emergency! i had to call the bank from abroad to say that they had debited my account illegaly and they made the money available to me, however when i returned yesterday i have now gone overdrawn! as they have paid cheque center the payments anyway! what can i do about this this is surely against the law to take payments like that? amnd what about the £35 charges i recieve for every debit!! please help:mad:

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Hi Wee,

 

Sorry to hear you gpt trapped into this one? Have you been back in touch withthe bank regarding them still making the payments against your wishes?

 

to be honest i dont know wat you can do other than firstly getting on to your banks and giving them an ear bashing.

 

How much do you owe on the loan etc if you dont mind me asking?


Please sign this petition - Asking for the government to drop the length of time credit ref agencies can hold data on us!!

 

http://petitions.number10.gov.uk/CreditRA/

 

:smile::p:rolleyes:

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Good morning Wee,

 

You have my sympathy as someone who is still actively engaged in trying to find a way out of the dark place that is over exposure to these companies. As Lozzzy says you can give the bank an ear bashing and potentially look (either politely or more formally) to recover overdraft charges etc but once you are in any form of difficulty with any of these folks they will use every means at their disposal to take it from you.

 

Depending on your level of exposure to them and concern about further access to your account you may even need to switch banks (this will not reduce the risk your old account but will at least ensure your monthly income remains untouched). Once they cannot get their hands on your monthly income make an offer of what you can afford and do everything you can not to budge from that. It is a lot of work and you dealing with companies that will use every devious means they can to get you to move from this but with the majority this seems to be working (if slowly!).

 

I think if the relationship with your bank is good then you may be able to ask that they accept no further payments of any kind to these people but as I say you will need to watch them like a hawk! I have so far had everything from first time acceptance of repayment arrangements through to taking monies from old account details via card and cheque IN EXCESS of the maximum legal value of an outstanding "contract" value as the range of responses from these companies.

 

Best of luck :)


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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i owe them about £400, they accpetd my proposals of repayments but after lots of threatning calls they wanted higher payments and called my work threatning to attach my earnings, think it was all for show as i didnt think they could just do that immediatly?, i have had no written correspondance from them just the verbal threats. i have phoned them today and i have to go see my bank but alas i have swine flu so all isnt well! so i have to wait:mad: can i try and pursue them for any changes my bank aim at me? is taking unauthorised debit not illegal or fraud?

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Hi

 

 

A number of things that might help, based mainly on personal experience (there are many more knowledgeable with the legal stuff that will chip in I am sure)

  • Generally good idea to insist on everything in writing (this can be email as well). Experience suggests that almost all you will ever get on the phone is what you have experienced - and worse
  • Tell them to remove your work number from their database and that you will not accept calls from them at work
  • If they have your mobile number and you cannot block them outright (some phones/network I believe you can). Set up a contacts group with name(s) of your choice (again many variations - I have seen fascist pigs on a friends phone which I thought quite humourous!). Give this group a suitable ring tone (I have the imperial war march from star wars on mine, again choice to fit. Then whenever that tone goes on your phone, ignore immediately!
  • Send them letter or email of the telephone harrasment/contact in writing only letter from this site (many slight variations but edit to what you are comfortable with)
  • Attachment to earnings - others will know the specific details but believe not possible without due process in a court. Basically another (illegal) scare tactic!
  • Bank charges - is of course possible to pursue but as earlier I think depends on your relationship with them. If this is not good and you have a parachute account then pursue away. If if is good, you want to keep it that way and you think they may help then best entering into some negotiation to see if they will meet you half way and help out. This as I say appears very case specific.
  • The company will have set themselves up with a "continuous" authority - they will take with impunity and whilst you can claim against the bank if you have told them not to pay it this will be after the fact (ie. the money will be taken and then reclaimed). Not good if things are tight (hence consideration of a parachute account?)
  • If you have told them not to take and they carry on (particularly if ends up more than "contract") then you could pursue the company as well. Not sure if this worth it (consideration of effort versus reward) but at least worth reporting them to various regulatory bodies.

Hope the swine flu gets better soon! Keep at them, we can make these people behave reasonably ;)


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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