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Toadface

Payday Loans - Cancel Debit Card??? **

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Hi,

 

I have 4 payday loans outstanding.

 

PayDay UK

PayDay Express

QuickQuid

UncleBuck

 

 

My question is if I cancel my debit card, will this stop these companies taking payment from me.

 

and if so will I be hit by a charge from my bank for these being declined?

 

 

Is there naything else I can do to stop these payments coming out

 

Thanks

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Cancel the Direct debits with your bank - you should not get a charge if you have cancelled them

 

make sure you check your account everyday these sharks will try and set it up again and take the whole sum


PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

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Hi,

 

Thanks for your reply.

 

I have cancelled 2 direct debits that were on my account and put blocks on them, the only thing im worried about the other ones taking a debit card payment from my account.

 

I have cancelled my card today (reported it lost) in a hope that this will stop any payments they try to take going through.

 

will this incur any charges?

 

Thanks again

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No, it shouldnt


PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

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Thanks for the fast responses!

 

One final question:

 

Am I right in thinking that as I have now cancelled my direct debits and cancelled my debit card that these companies will not be able to take any payment from my account?

 

Thanks

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correct you will now only get bombarded by phone calls and threats


PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

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Thanks for your help.

 

I did phone my bank to ask if these payments would still go through and they said, they might be 'forced' through on the old card number!

 

anyone heard of this happening?

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Nope, if you cancelled this card then the bank should not honour the request, and if they do then reclaim the amount back


PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

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Thanks for your replies, realy appreciated.

 

was worried, I would log on to my internet banking tomorrow morning to find they had taken the lot!!!

 

will keep an eye out for them trying to set up new DDs, anything else I should be vigilant of?

 

Or is it now a case of waiting for the phone calls and trying to sort out a payment plan with them?

 

 

Thanks

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both keep checking your account and wait the onslaught


PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

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I have read about the difficulty of cancelling these recurrign debit card payments.

 

Is cancelling your debit card the only sure fire way to do it?

 

Are these companies likely to have already set the payment in motion?, what i mean is do they apply fo rit on the day or would it be worth checkign with my bank to see if there are any pending transactions waiting to come off, that might not be stopped.

 

sorry, might be being over paranoid here

 

 

Thanks

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Hiya,

 

In so far as what should happen I would agree with PGH and if cancelled in good time payments should be reclaimable from the bank.

 

However, I am sorry but recent experience suggests what can and does happen is that the payments are "forced" through or the bank allows the company to treat having the card details as a "continuous authority". I have spoken with the card fraud teams of two different companies during the process of trying to sort my own payday loan nightmare and both have been very precise in stating that cancelling the card (or even reporting it stolen) will not in itself prevent the companies from attempting to take monies via the card details and they will not guarantee that payments will not be made. They further attempted to suggest the matter would be a dispute between me and the company involved and they would not view such repeated access as fraud!! :eek:

 

I do not want to be the bearer of bad tidings or scaremonger but this is my experience (and there are others here to). Certainly ensure the bank are completely aware that any further payment claims from these companies do not have your authority, certainly watch the account like a hawk (there has even been a post on here with I think QQ accessing an account overnight!) and certainly give the bank hell if they pay up (I hope I am wrong!) :confused:

 

The only sure fire way of sorting the access issue which is quite drastic (if it is either mutiple lenders or you really cannot sustain anyone draining your account of the full amount) is to switch accounts (the famous "parachute" account). This way you maintain control of your overall monthly budget and can progress to offer a repayment proposal from there. Whilst any proposal you make should be seen to be realistic this reality is based on what you can afford, not what they think you should afford!

 

They will bombard you initially but stick to your guns - I got into deep brown stuff with exposure to these firms (still not out of it yet!) but around 70% have agreed repayment schedules within the last month and the volume and voracity of their communications has slowed right down (I do have a DCA on my case but it is in house for one of the lenders). Insist on everything in writing or email, request account details to repay by standing order (it has been known that payment by card, cheque or direct debit on a new account has resulted in their accessing your new account with the same impunity as they did the first time!!).

 

All can be sorted with the help of the good folk here but it is difficult, particularly initially!

 

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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Hi everyone,

 

Just wanted to say thanks again for all the information and quick replies yesterday.

 

Logged into my internet banking today and none of the payments from any of the pay day loan companies had come off my account. QuickQuid was showing but it hadnt come off my balance, phoned bank to check and they said, it had been cancelled and that it would drop off my account and def wouldnt be paid to them.

 

none of the debit card payments had come off, so cancelling my card seemed to have worked.

 

Have now instructed bank to transfer full balance over to another account just to make sure they cant get any money out my account by using old card number, or settign up new DDs

 

had a few emails and texts from these comapnies askign me to contact them right away etc.

 

I sent them an attachment of the letter I had already sent them and made it clear that they were to reply to me by email or in writing.

 

so far, no phone calls!!! how long will that last!

 

I did however get a phone call from welcome finance who i had cancelled my DD with and sent letter offering reduced payment. the lady I spoke to seemed willing to help me reduce payments, but said they still need a full payment this month before they can do anything.

 

just looking for a bit of advice as to what to do with this one. should i pay the amount if they can reduce my payment. I would want them to freeze the interest on the account and not add any charges before i would be willing to make the payment.

 

or would it be easier not to pay them and if they then defualt the accoutn and pass it on to DCA start payign them. or will that incur furhter charges on top?

 

anyone here had any similar dealing with Welcome Finance??

 

any help would be realy appreciated

 

 

Thanks

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dont agree to anything on the phone het it in writing, welcome are in difficulties through their parent company cattles so want all the money they can get


PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

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Thanks, they said they would need a payment today to be able to 'help' me

 

what do you think I should do?

 

 

Also just had reply from Uncle Buck saying they arent willing to accept my payment offer and that if i dont pay todya then it will be passed to collections team and charges etc added

 

anyone have any text I can send to them RE charges being unlawful and account being in dispute etc?

 

Thanks

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dont agree to anything on the phone get it in writing, welcome are in difficulties through their parent company cattles so want all the money they can get;)

 

They seldom help

 

UncleBuck

 

wait until they write


PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

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Should I reply to the Uncle Buck email or just leave it for now?

 

RE Welcome Finance, how likely are they to freeze interst and charges on my account if I ask them to, so i can keep paying them instead of it goign to DCA.

 

how much worse is it to go to DCA than to keep paying original company?

 

 

Thanks

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Should I reply to the Uncle Buck email or just leave it for now? - either/or personally I would send a txt saying all contact in future to be by letter

 

RE Welcome Finance, how likely are they to freeze interst and charges on my account if I ask them to, so i can keep paying them instead of it goign to DCA. - Depends on how much you owe and how good a customer you have been, - but without something in writing to fall back on you could pay the full amount this month and next month they still default you, but they have had some extra money out of you that you are saying to them you can ill afford

 

how much worse is it to go to DCA than to keep paying original company?

 

depends on which pondlife you get, some are easy to deal with some aint

 

 

Thanks

 

You will have to decide yourself, I can only advise not make decisions


PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

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Thanks for the advice

 

much appreciated

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Thing is if you pay the amount that they want, they may say that you are not having difficulties at all as you were able to pay what they wanted.

 

It is for you to decide what to do.

 

Bub1

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Hi,

 

spoke to Welcome and they were initialy wantign me to pay full amount i said as you can see from my SOA i cant afford to pay that. they then said they would take the amoutn i had made in my offer. so i said i would need an agreement in writing in place before i pay anything because that would simply be eaten up by the interest.

 

they werent happy and wrangled on about taking me to court. not gettign money for nothing, could possibly lower the interest but not freeze it.etc.

 

they said that they wouldnt pass the debt onto a DCA and that they would be the ones takign me to court!

 

bottom line is i did not pay them anything, they even asked me to state that i was refusing to make any pyment onto my account this month.

 

I said i was only willing to make the payment once payment plan has been agreed.

 

did i do the right thing?

 

Thanks

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Ok, what did you offer them?

Did they refuse this amount?

Are they willing to put that they refused the amount you offered in writing?

 

You need to state to them in writing that you ARE NOT REFUSING TO PAY, but that you would want them to agree the amount you have offered is acceptable in writing.

 

How do you pay this to them?

 

Bub1

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My monthly payment to them was £136

 

I offered them £91 per month (assuming they freeze interest and charges)

 

they said they wouldnt be able to say if they can accept the amoutn until they speak to the bosses and that they would need to some sort of payment now by debit card in order to do that.

 

I had a DD set up with them, but cancelled it

 

I asked them to send me payign in book or account details, but they saud they dont do that

 

 

Thanks

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Have you got a Welcom Finance Branch near you?

 

If not I would not pay by card as they then have your details.

Do you have a postal address for them?

 

You could send them a Crossed Postal Order for the amount you are willing to pay and explain to them about the problems with the people on the phone.

Other than that you could say that you have had your card stolen and the only way you can pay them is direct into their account.

 

Bub1

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I did say to them i didnt want them havign my debit card details, in which they replied, they didnt keep a record of them and once its processed there on the phone then thats them gone.

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