Help Please

[Kellyuk]

Hi All

 

I have unfortunately got myself into a bit of a mess with Payday loans. I have recently lost my job and have 4 payday loans scheduled to leave my account at the end of the month.

 

As this is going to be my last wage I really need to ensure money does not leave my account and try to sort out a payment plan with these people or at least let them send to a debt collection agency and deal with them.

 

They are

 

PTP - £200

Wonga - £100

PDUK - 100

CashGenie - £100

PD Express - £160

 

I have rolled my PDUK loan over once and noted the payment was taken via card payment rather than a direct debit. I have been monitoring my direct debit to cancel any they set up but they have not set any up at the moment.

 

I need to know how I can definitively stop these companies taking money out of my account, I have my wages and will be expecting a backdates working tax credit payment to go into my bank and cant afford for these to be taken out as I need the tax credit money to pay off rent/council tax arrea's and obviously my wage needs to support me until I can make a claim for JSA or get a new job.

 

Please help do I need to cancel my card and get a new one ? I am not saying I wont pay these loans, but I obviously cant afford to pay them all at once and lose my entire wage, plus allow them to gain access to my bank account at any time and remove money.

 

Please advise as best you can.

 

I have also set up a new lloyds bank account but this wont be sorted in time unfortunately.

[Kellyuk]

bump

 

anyone can help me guys ? I have kids to feed and really need to ensure they cant get any money out of my account, I dont think I will have time to set up a new account. I have set one up with Lloyds today but cant get to the bank to take in my ID until next Saturday, the payments are due on the 22nd and 31st of this months

 

Help please I am worried sick these people are going to clean out my account and leave me pennyless, unable to eat and pay my rent

[Paaske]

Hi

 

Only thing You need is to call your bank and rapport that your card is lost or stolen, just make up something, i told them i had lost my card on the bus.

And then make sure the direct debit is cancelled, try check your bank account from at least 4 days before you get paid.

I was worried like sick as well regarding PTP, but they didnt take any money despite i have heard rumours that a payday company can take ur money out on a cancelled debit card or lost card, or they can go into your account and take the money....that is not true!! just get your card rapported stolen or lost asap!! and u can still go into the bank and take all money out just bring identification.

hope this helps and calms You down.... dont worry.

[robjam1969]

Hi Kelly

 

Some good advice from paske however on occasions funds can be taken from cancelled cards. It doesn't happen often but a few on here have had it done to them. Halifax told me that certain companies could force payments through. A new account is the only totally safe solution.

 

Get ready for the phone calls and keep posting.

[Kellyuk]

bit of an update, PTP is due tomorrow however there is no direct debit set up on my account, I have been checkeding my online banking since 4 days every other hour and there is nothing, so duno how I am supposed to stop it :s they said it will be taken by direct debit as when I applied for the loan they sent me a direct debit form. I will be cancelling my card today and instructing the bank to put a complete stop on it and ensure no transactions from the account.

 

Hopefully a new card will come quickly. I am due to get paid on Thursday so hope my money will be ok :s

[vicky180]

bit of an update, PTP is due tomorrow however there is no direct debit set up on my account, I have been checkeding my online banking since 4 days every other hour and there is nothing, so duno how I am supposed to stop it :s they said it will be taken by direct debit as when I applied for the loan they sent me a direct debit form. I will be cancelling my card today and instructing the bank to put a complete stop on it and ensure no transactions from the account.

 

Hopefully a new card will come quickly. I am due to get paid on Thursday so hope my money will be ok :s

 

Be careful here, if you havent actually cancelled the direct debit, it will go through anyway, it does not necessarily show up until the day it comes out, I wouldn't of thought you could stop this without changing your bank account if they have a signed mandate, I think you may need to ring your bank and check

[Kellyuk]

Be careful here, if you havent actually cancelled the direct debit, it will go through anyway, it does not necessarily show up until the day it comes out, I wouldn't of thought you could stop this without changing your bank account if they have a signed mandate, I think you may need to ring your bank and check

 

 

Thanks for that, I have just contacted my bank and they have cancelled the direct debit for me, aparently they do not show up on internet banking until the first time a payment comes out. Natwest had assured me they have cancelled it now though and advised me to contact the company to advise them I have cancelled it.

 

The direct debit form even states quite clearly I can cancel it at any time I choose.

[robjam1969]

At least you are a 100% safe as you will be covered by the direct debit guarantee. If it was paid by accident now they would have to refund your account on the spot.

[Kellyuk]

Bit of an update on this, despite my best efforts and assurances from Natwest PTP manager to get 2 direct debit payments from my accoun this morning putting me £260 overdrawn unauthorised.

 

Fortunately Natwest have been very helpful and recalled them and assure me this will rectify overnight and the money will not leave my account, I really hope this is the case as I have nmy wages being paid tomorrow

 

I have also sent an email to PTP to tell them I have to default and offered a payment plan, they have completed ignored the request and took it anyway.

 

Will see in the morning if the money is back but it better be!

 

Just be careful people!

[robjam1969]

Bit of an update on this, despite my best efforts and assurances from Natwest PTP manager to get 2 direct debit payments from my accoun this morning putting me £260 overdrawn unauthorised.

 

Fortunately Natwest have been very helpful and recalled them and assure me this will rectify overnight and the money will not leave my account, I really hope this is the case as I have nmy wages being paid tomorrow

 

I have also sent an email to PTP to tell them I have to default and offered a payment plan, they have completed ignored the request and took it anyway.

 

Will see in the morning if the money is back but it better be!

 

Just be careful people!

 

No surprises there Kelly. You are very being patient with the bank as they are obliged to refund the money immediately.

[Kellyuk]

No surprises there Kelly. You are very being patient with the bank as they are obliged to refund the money immediately.

 

They gave some blabla about it should have been cancelled 3 working days before (it didnt appear on my internet banking so no way of cancelling it until I rang on a whim) either way Im just glad the bank are with me on this one and hopefully I wont have any more problems.

 

I have a appointment with Lloyds TSB on saturday to set up a new account and get wages paid into that ASAP so that will sort it out once and for all

 

When I saw my bank statement this morning I seriously considered reloaning with them for highest possible, getting the cash and closing my account and telling them to get stuffed, glad I didnt!

[Kellyuk]

Hi All

 

another update. Natwest have done their bit and direct debits have been returned today and my money is secure. I will be attending at 09:30am to withdraw my money over the counter and will attempt to get my bank account number changed if possible

 

I have received no contact from PTP, apart from one email saying 'please call payment department as they cant deal via email' I have just sent another email re-iterating my previous point.

 

I received a dubious call from someone from a company called 'First Start' last night at 9pm, I am almost certain this was PTP. Surely it is illegal to call someone up and impersonate another company ?