Payday uk help

[JamieLeigh87]

I took a loan out through payday uk last July for £280 and every month have deffered my loan for £70 per month so they have now had £420 off me in total. I have now decided this is ridiculous and something needs to be done to get out of this mess. I have contacted my other payday loan company who have set up a repayment plan no problem. However, payday uk are awful to deal with.

 

My loan became due on the 16th feb, I emailed days before that to say I would like to set up a repayment plan only to be told I would have to wait until I default on the 16th and then I would be contacted. The day before this I lost my bank card so conveniently cancelled my card and am awaiting a new one. On the morning of the 16th I checked my online banking to see £70 had been taken It was payday uk! I rang them straight away and they explained they try for the full amount if this didn't go through they take the £70 this was not stated in the email I received earlier in the week!! I was then told a repayment plan couldn't be set up now until my next loan due date and when I default so I left it at that. A bit later I received a text saying payment hadn't been authorised checked my bank again and the £70 had gone back in my account - phew!

 

The next day the phone calls started I spoke to two people regarding a repayment plan the second girl told me I could have one over 3 months for £93 per month I explained this was unaffordable for me she explained the system wont let her do anything more than that and slammed the phone down on me - great! I have sent two more emails proposing a payment plan - each has been ignored! And lastnight I checked my bank and they've cleared another £70 out of my bank - im hoping today it doesn't get authorised again as I get it back like I did on Friday. I have also sent another email to them. Am getting really fed up with this horrible company and unhelpful staff. Any advice on how to deal with this would be appreciated

[Bombaymix]

Protect your wages/income... Get your money paid into a different bank account!! They'll keep at it until they empty your bank account!

[asmilecostsnothing]

JamieLeigh87HANG UP THE PHONE WHEN THEY CALL. I once slammed the phone down on them back in the early days and they never tried contacting me by phone ever again ! No emails either so I stuck to good old letters Compose a letter of complaint if you've not already done, state what you have worked out as could afford to pay - in the subject line or header with the words FORMAL COMPLAINT Contact the Consumer Finance Association (their trade body) who may tell u they don't want to get involved, but will tell PDUK you've been in touch weirdly enough and this seems to worry them a bit ! After weeks of going round in circles watch this lender do a massive u-turn as long as they cannot access your money ! After 3 months PDUK claim to transfer your account to Keyes Whitlock (really thats their inhouse collection guys) if not paying their minimum payment amount

[asmilecostsnothing]

Address complaints to 'Customer Relations' department at Payday UK

[JamieLeigh87]

just an update. received a letter from customer relations at mem-fc group to let me know they had received my complaint regarding PAYDAY UK and will investigate it and i will receive a response by 21st march.

 

Yesterday i had £128.75 debited from my account by payday in 4x £25 and 1x £28.75 a

 

and again today of £25 and £63.18

 

This was my child benefit money that they have taken and I now have very limited money to get my child nappies and formula milk I feel sick to my stomach.

 

They have now taken in total £706.57 on a £280 loan. I have tried calling customer relations left two voice messages today for a call back - not heard a thing, sent numerous emails too and not one response.

 

Really need advice on what step to take next with these sick people!

[Inzi92]

How did you get on? Did you hear back from them? Im in the same situation, they have took over £600 from my account. I am so angry...I am definately going to take this as far as I can. Hope you managed to sort things out

[JamieLeigh87]

When did they take the money I don't know how they can sleep at night taking that kind of money from people's accounts. I rang them and played hell with them for taking money, they paid it back to me took about a week, and then I got passed to the customer relations department as I made a complaint and they helped me set up a repayment plan of £20 per month

[Guest Poguesy]

When did they take the money I don't know how they can sleep at night taking that kind of money from people's accounts. I rang them and played hell with them for taking money, they paid it back to me took about a week, and then I got passed to the customer relations department as I made a complaint and they helped me set up a repayment plan of £20 per month

 

Make sure that repayment plan is writing

[Inzi92]

They took the money on Monday as soon as my wages hit my account! : ( No money back so far! I had an indepth process with the customer relations department yesterday and felt like I was going round in circles! I know I shouldn't talk to them, but when I spoke to the normal department she said she would create a complain so wanted to make sure of this. I should recieve a letter today or tomorrow to say its been registered and then could take a few week to come to a decision!!?? How did the process work for you, did you recieve a letter? Did you get your money back before you delt with customer relations? Glad you got sorted in the end : )

[renegadeimp]

They took the money on Monday as soon as my wages hit my account! : ( No money back so far! I had an indepth process with the customer relations department yesterday and felt like I was going round in circles! I know I shouldn't talk to them, but when I spoke to the normal department she said she would create a complain so wanted to make sure of this. I should recieve a letter today or tomorrow to say its been registered and then could take a few week to come to a decision!!?? How did the process work for you, did you recieve a letter? Did you get your money back before you delt with customer relations? Glad you got sorted in the end : )

 

 

 

It's very unlikely you'll hear anything back. You need to write to them and header the letter "FORMAL COMPLAINT". Outline your complaint in the letter/email and that automatically gives them 8 weeks maximum to give you a final response. Then you can take it to the FOS who will investigate your specific case.