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Hi,

 

Wonder if anyone can help. I have took a payday loan today with Speedcredit - I have used them on three previous occasions. On each of the previous occasions the funds were in my bank account right away but the funds for this one aren't in yet which is causing me a bit of concern. I tried calling them but cant get past the automated message to actually speak to someone. When I go into the account online it is showing me that I owe the money back and I have also received the confirmation e-mail and confirmation text to say that the funds have been transferred. It is the Bank Of Scotland I am with so wouldn't have thought there would be any issues receiving faster payments especially when it has went through fine in the past

 

I am a bit confused by this. Any advice

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@ Thesnake

If loan was applied for today or over weekend ? when was this, it might not show till next working day?

Sometimes it can be down to who you bank with but you have your statement as proof should you not receive funds

 

Jesus I hope I won't get tarred for saying the above ! :-)

 

You are like on the PDL rehab clinic !

Edited by asmilecostsnothing
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Happy to share my experience but for your own protection, please check and double check what myself and other Caggers inform

...

“Nothing in this world can take the place of persistence.”

 

:-)

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http://www.consumeractiongroup.co.uk/forum/showthread.php?341791-Jam139-and-PDL

 

jam139 has a thread of his/her own now. Link above for those who are able to offer advice.


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@ Thesnake

If loan was applied for today or over weekend ? when was this, it might not show till next working day?

Sometimes it can be down to who you bank with but you have your statement as proof should you not receive funds

 

Jesus I hope I won't get tarred for saying the above ! :-)

 

You are like on the PDL rehab clinic !

 

Thanks for the reply. It was today I took this. My concern is it was a Sunday I used this company in the past and it was in my account in minutes and now today there is nothing

 

I have two other worries

 

I paid the last loan back from my partner and I's joint account. I hope they wont have put the new loan in there as she will go mental as I promised her I wouldn't go down this route again. I dont think they will have as I paid my first loan back from my RBS Account and my 2nd loan went into my Bank Of Scotland account as expected but its still a worry

 

Secondly my bank overdraft is 3k and its nearly maxed out. Can the bank hold back with this 400 pound payment take the money and reduce my overdraft to 2600. This would put me in an even worse position

 

Anyone think it may be worth phoning the bank

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I'd phone the bank see if they can confirm it is pending that is probably the wisest move from here - hope you can get sorted


Happy to share my experience but for your own protection, please check and double check what myself and other Caggers inform

...

“Nothing in this world can take the place of persistence.”

 

:-)

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The bank cant tell me anything. Does anyone know how I can get through to Speedcredit and actually speak to someone. I cant get through there stupid automated system

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Hi

First off...ASMILE....go wash your mouth out you bad girl

Now The Snake....i don't know about speedcredit...but did you pay for same day transfer?

What bank details did you put in

I do have this horrible feeling you are on your way to the dark side. Please please please try to sort your spending out, you can obviously not afford what you are spending.

If you need help , people on here can help or get some help to do a budget

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Hi

First off...ASMILE....go wash your mouth out you bad girl

 

Hee hee ! : ) I'm of my drugs..nearly... and I do now have a choice, whats a girl to write about but if people wanna really ask such stuff... even though I think my answer was relevant to what the OP was wanting to know, I'd really want to say just give it back and cancel agreement but then this isn't the easiest of lenders

 

People don't want to hear how we should struggle and be frugal along with beautiful hindsight (it hurts to much) to avoid this senaro in the first place, I feared the OP doesn't want to try and cancel the agreement and pay funds straight back (I've never tried it personally but we must have seen it can be done as a viable option)

 

lol !!! hope you know what I'm trying to say my friend! and hope your well x

I've come to the conclusion I'm seriously mis-understood, life long problem I'll get used to it!


Happy to share my experience but for your own protection, please check and double check what myself and other Caggers inform

...

“Nothing in this world can take the place of persistence.”

 

:-)

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I understand what you were saying and I think you took my comment in good part.

I do agree with you, but i thought i would give some advice out, after all it is freely available as I haven't used it lol

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Jeez! This is like asking for a pint of beer at an alcoholics anonymous meeting! Haha.

 

A lot of us aren't fans of payday loans anymore.

 

However, you're asking for advice (and amongst the sarcasm) I hope you get sorted.

 

This company is one of few I haven't actually used in the past.

 

If they're anything like the others, I'd say stop worrying and check your bank at 14:30 and 18:00. I often stressed that the money wasn't going in only to check at random times and it had actually been deposited at one of the 2 times (above). I also banked with RBS.

 

Did you fill in your own personal bank account details on the application? No company I've ever used simply allowed me to store my details and transfer it to a bank I've used before? I had to always go through the long and drawn out hassle of re-entering my bank details from scratch on every application.

 

My partner would disown me if she thought I was using payday loans again. I think she'd me more forgiving of a drug addiction or an affair!! Lol.

 

Let us know how you get on.

 

I reckon you're worrying unnecessarily tho and your funds will be clear this afternoon sometime!

 

Regards

 

BM


It never rains but it pours...

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and if u need help getting out of this :fencing::cheer2: come back on here asap dont use them again ul get stung badly soon enough ,,,sorry but u will :evil:


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

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