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In oct alst year i took a payday loan (£250) with payday express and paid it + interest back the next month. In Feb i started getting calls from them saying i owed them £800 i told that that i had paid the original debt off and asked them to provide proof of this new debt, i recived no reply from them and the calls stopped. Sudenly at the end of June payday express took over £400 from my account. I have contacted natwest who after my badgering finally opened a fraud case but i was told i was unlikely to win. Anyone have any help or suggestions on how to get my money back from payday. needless to say they dont answer calls or reply to letters.

Currently Pursuing three credit card companies for PPI and charges.

 

Capital one: Sent the required SAR information late, currently working out my claim.

Egg: Sent the required SAR information on time, curently working out my claim.

Virgin/MBNA: Still waiting less than week left to copmly with SAR.

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The point is i dont owe them anything i took out a loan paid them in full i have the bank statements to prove this. Now they decided they want more money and took it or they have messed up and dont think i have paid but as it has been over six months since i paid it off i doubt this.

Currently Pursuing three credit card companies for PPI and charges.

 

Capital one: Sent the required SAR information late, currently working out my claim.

Egg: Sent the required SAR information on time, curently working out my claim.

Virgin/MBNA: Still waiting less than week left to copmly with SAR.

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sorry Mrs Hobbit, but i dont think there is a point. If you can show hard evidence that you do not owe them any money, and be sure that you can then your bank will issue a refund of the funds, especially if you can prove that it has been paid in the past from the same account. it should be relatively simple - i dont think these companies would respond well to threats, thats what they do all bloody day...

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Guest Mrs Hobbit

No problem JK. This is how I would handle the matter. the banks can be obstinate and could claim well you have set up a DD. I have seen companies re-instate DD's and it;s the devil's job to convince the bank they did it without your permission, Oh the other thing I did was put in writing to the bank, if they allow a DD on my account without me letting the bank know in advance they will be held responsible. It worked and is still on my bank file. The banks can be obstructive instead of helpful, especially if a DD had been authorised previously. The DD Mandate is worth diddly squat. You don't even have to sign a Mandate, but that is another story. Bitter experience with ID theft BIG time.

 

I know these companies wont respond to threats but issuing an N1 soon gets a response. I did this one mob and they pulled their horns in and corrected their so called mistake....

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Thank you all for the advice, NatWest are being much more helpful after I sent them a letter complaining about the first contact I made with the fraud department as the person who I spoke to on the phone completely misled me. I also told them to cancel the card and that I do not authorise any payments from that account. They have sent me a declaration letter so I will sign that and see how it goes, frankly I suspect incompetence rather than genuine fraud on payday express part but they probably won’t admit it until the bank gets involved. It goes to show that if you stand up to them and don’t accept their attempts to fob you off you can get the banks to do something positive.

Currently Pursuing three credit card companies for PPI and charges.

 

Capital one: Sent the required SAR information late, currently working out my claim.

Egg: Sent the required SAR information on time, curently working out my claim.

Virgin/MBNA: Still waiting less than week left to copmly with SAR.

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Guest Mrs Hobbit

It took me 18 months to get the Late Mr Hobbit's name off the bank account. Three death certifactes provided at local branch, so took myself into the City, made an appointment with the Head Sherang, 20 minutes later matters sorted and a letter of apology from the Bank. Local branch now very meiticulous where I am concerned.

 

One thing I have learnt from all the mes we were in, never trust what you are told over the phone, and make sure you go to the top and hit them hard, no matter who you are dealing with.

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Just got a very nice letter from my bank refunding everything payday express took! it seems the banks will take action but you have to be inisistant that they treat it as fraud once they do they take swift action. Thank you MRs Hobbit and Jamie.

Currently Pursuing three credit card companies for PPI and charges.

 

Capital one: Sent the required SAR information late, currently working out my claim.

Egg: Sent the required SAR information on time, curently working out my claim.

Virgin/MBNA: Still waiting less than week left to copmly with SAR.

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Guest Mrs Hobbit

I am so please you have success and the money has been refunded Goatan.

 

If anything like this happens in the future, you will know what to do.

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