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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 31 replies

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I had a PDL with 1 month loan which I defaulted on back in November last year. I have gotten myself into a bit of a mess with PDL and know I have nobody but myself to blame.

 

I applied for a loan with Mayday Payday yesterday, and after thinking about it decided to cancel the application. I emailed them and asked them to withdraw my application - no response

 

Today I had an email from Mayday saying my application had been refused - and again I emailed requesting they cancel my application. I checked my bank account this afternoon to find £10 and £100 had been debited. I knew it was this company as I had only had a new debit card on SAturday and they were the only company I gave my details to. It turns out that 1 month loan and Mayday Payday are the same company!!!

 

Watch out guys, if you owe money to either of them and apply to the other they won't think twice about raiding your bank account!!!

 

Can I challenge the payment?:(

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this also happened to me, i couldn't believe it. this is scandulous... they are offering a ''service'' then sneakily emptying your account once the details of your accounts are handed over!!! they took £560 from my account for what was a £150 loan,,, i was in a payment plan with them paying on time (£40.00 monthly) i challenged this with them but they said they are not prepared to issue any form of refund... i dont know where to turn now and have no money for christmas, or for my children... thanks 1monthloan! :mad::mad::mad:

Edited by bboy
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I Highlighed that this may happen on sunday morning but the site team on this site removed my thread without warning !

All Fortress Group UK websites say this in there terms:

 

18. If you owe Fortress Group (UK) Ltd money through any of its brands or subsidiaries you authorise us to use the debit card details supplied in this application to recover those monies as your relationship is with Fortress Group (UK) Ltd and not just an individual brand. We do not have to notify you that we have, or intend to, do this.

 

They also trade under these names:

1 Month Loan Fortress Securities Mayday Payday Oasis Finance Oasis Payday Payday Mayday

 

Beware

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Well I've just checked through all my correspondence with 1 Month Loan regarding my account, and nowhere on their contact with me does it state they're part of Fortress.

 

Even my bank agreed what they've done is sly but I can't do anything about it as in the terms & conditions I agreed to when applying to mayday it states if I owe money to Fortress they can use my card details to claim it back - Even though I had NO clue the 2 companies were related!!

 

My advice - Avoid at all costs!!!

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After phoning to complain i received this email from them.....Shame they can't even get the number of the clause correct, as in the T&C it's clause 18!!

Beware!!

Dear Mayday Payday Customer

I am writing to advise you that today we collected funds from your debit card. As you may recall you recently had a loan with one of our brands 1 Month Loan which you failed to repay on the agreed date. In accordance with clause 17 of the terms and conditions you agreed to when you recently applied for your Mayday Payday loan if any money was owed to any other brand we could use the debit card supplied in this application to recover it.

17. If you owe Fortress Group (UK) Ltd money through any of its brands or subsidiaries you authorise us to use the debit card details supplied in this application to recover those monies as your relationship is with Fortress Group (UK) Ltd and not just an individual brand. We do not have to notify you that we have, or intend to, do this.

SO WHAT HAPPENS NEXT?

Even after collecting this amount you still have an outstanding balance with Fortress Group (UK) Ltd. You should contact the 1 Month Loan team immediately on 01284 717820 where one of our consultants will be able to arrange a suitable repayment plan to recover the outstanding balance. Failure to do so may lead to legal action being commenced. Additionally should you decide to pursue this matter further by challenging the payment with your bank we will again begin legal action against you. At this stage all the costs associate with this legal action will be added to your account.

Please note that Fortress Group (UK) Ltd has acted 100% within its terms and conditions and completely within the law. While you may feel upset that we have taken this money from you, it is a debt that you owe us.

Regards

Fortress Group ( UK ) Ltd

Phone: 01284 717810

Fax: 01284 717833

Websites: www.fortressuk.co.uk

Any views or opinions expressed in this message are those of the author and do not necessarily represent those of Fortress Group (UK) Ltd. No reliance may be placed on this message without written confirmation from an authorised representative of the company. Fortress Group (UK) Ltd. is registered in England & Wales with Company Number 05041905. Registered Office: Fortress House, Skyliner Way , Bury St. Edmunds , IP32 7YA .

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  • 2 months later...

Contact 1month loans compliance officer, simon hatch, he posted on another thread, not surprised to see that he has stayed away from this one.

 

I charged all mine back and was threatened with police action but i then offered £20 per month and that sorted it as i told then i was going in to a DMP

Edited by ashley_johno
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  • 1 year later...

These monkeys sent me a recorded delivery letter stating they were in the rights to phone me at work and to contact my parents (one of whom is ill) and claimed it wasn't harassment. They keep trying to take money from my debit card (I've changed banks) and seem to think they are justified plus I've sent them a token payment and will set up a repayment scheme through payplan. They are just bullies and have no right to harass people, especially if they are trying to sort themselves out. PDLs ought to be banned anyhow!:mad2:

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  • 1 year later...

Although this thread is old the situation hasn't changed with 1 month loan my friend recently took a loan with them and the funds were taken out of his account when he wasn't expecting it, taking him over his overdraft to incur further costs. He's now writing to the OFT to make a formal complaint.

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Did he tell the bank it was an unauthorised transaction and to do an immediate chargeback?

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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