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Payday uk advice needed


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Hi

 

I took out a payday loan of £180 with PDUK before Christmas.

 

Due to a cut in hours I was unable to repay the £225 that I was due to repay them at the end of Dec. I extended the loan & paid the £45 interest due.

 

I sent them an e-mail about a week before my Jan payday was due to go into my account asking for a repayment plan as the £225 would pretty much empty my account this month, Once I had paid my rent/rates etc.

 

I got no reply to the e-mail so I rang them on Jan 30th & advised them of the e-mail. They basically said that they didn't do repayment plans until the account was in default & that the money would be taken from my account.

 

Being told this I spoke to my bank that night & cancelled my card & had a new one sent to me. I figured they would be prepared to do a repayment plan when they couldn't take any money.

 

I went to draw some money out of my account yesterday to find £8 in it. I went inside & got a statement PDUK had taken the £225 from my account on the 31st Jan from the debit card I had cancelled. I rang Barclays to dispute the transaction & they have basically told me I had signed a contract with PDUK & I had goven them permission to debit my account & that cancelling the card didn't stop the money coming out. Their attitude was the dispute is between me & PDUK and that they will not get involved.

 

I have spoken to PDUK & dealt with some snotty nosed little p***k who's attitude was basically you owe us the money & we have taken it. End of !!

 

Is there anyway I can get the money back? or any indemnity or anything I can claim?. Finding this out yesterday basically means that I'll be living on fresh air for the next two weeks.

 

Any help/advice would be appreciated

Thanks

Edited by silverfox1961
removed a naughty word.
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Hi and welcome to CAG. Sorry your post was missed.

Go back to your bank and threaten them with all sorts because you can tell your bank to not pay someone.

http://www.consumeractiongroup.co.uk/forum/content.php?850-Continuous-Payment-Authorities-How-to-stop-them

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I honestly dont think u will get the money back the only thing u can do is let it go now at least u have paid it off and as for barclays thats disgusting so id seriously change ur bank ..lloyds paid me back within 7 days when that happened to me

:violin::ban::lock1::bump::clock:
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