Mobilequid Overpayment advice needed

[newbie25]

Hi

 

I was late paying Mobilequid this month and as a result ended up owing them £300. I payed the outstanding amount on payday (1 June) and was happy to have that be the end of that disaster!

 

On the 8th June I noticed a further transaction from them for £250 which shouldn't have been there. I was aware I owed 300 and that was paid. I have tried emailing them with no response and a number for them provided by the bank is unreachable. I have spoken to Visa disputes who states they cannot help until Mobilequid confirm the money taken in error and I have had a loan with them and this money may have been part payment. The 250 is shown as being taken on the 31may but didn't get authorised at the time due to lack of funds, it appears it has now gone through. I have emailed Mobilequid again and still nothing.

 

£250 is a lot of money and I'm completely stumped as to what I should do now, can anyone help or advise me

 

Thanks in advance

Newb!

[renegadeimp]

Could our old estonian friend have made yet another PDL? This PDL is based in Estonia, and has the same hallmarks as the other one.

 

One thing is for sure. You MUST get a full complaint in with the PDL, your bank, OFT and trading standards.

[newbie25]

Sorry I'm a bit confused by the Estonian comment. Do I have to wait a period of time before complaining or should I just go in now guns blazing. Visa disputes recommended speaking with trading standard but I'm a little bit clueless tbh!

[renegadeimp]

Nope. They have stolen from you as well as broke OFT guidelines. You MUST report them to the OFT, trading standards and file a formal complaint with the PDL. You must also inform the bank to do a chargeback ( if it hasnt been a substantial amount of time since the transaction happened).

 

As for the estonian comment, there was a PDL owned by an estonian guy and was registered in estonia. Lets just say they had little respect for law and regulation in the UK.

[newbie25]

Gotcha thanks for your replies and help so far. Visa disputes for chargeback said that they couldn't dispute it without proof that it wasn't part of a loan payment, I explained that I had an email confirming the loan total of 300 had been repaid but they said as it is a loan company I would need a break down of costs from them proving there wasn't anything further to pay and until Mobilequid respond to my messages I can't prove that.

 

I telephoned citizens advice consumer advice line from the oft website and they will be passing my complaint on to oft but have advised me to send a recorded letter to mobile quid dispute the extra charge and giving them one week to explain or refund the amount, if I get no response within the alloyed time I should then call the FOS.

 

Does this all sound correct? Is there anything more I can do? Sounds as if it'll be weeks if not months before I see MY money

[renegadeimp]

You need to follow the law in cases like this. It's never fast or easy, because if it was, everyone would be trying to say payments made were fraudulant or stolen. Thats why there is a system that investigates it.

 

Do what the CAB said. Send the PDL a formal complaint by recorded delivery, and demand that they give you a final response. If you get a final response, or 8 weeks elapse (whichever comes first), then you can contact the FOS who will do their own investigation.

[newbie25]

Morning to everyone!

Just had to update on this. I was extremely shocked and almost fell out of my bed this morning when not only did I wake to an email from mobile quid, but this email admitted fault and states they have refunded my money :O

Of course it's not there yet but I'll be check to see if it reappears! Totally unexpected!!

[Space2001]

I hope they are paying you interest at their rate until the time you receive the money - I would also be charging them their standard missed payment fee as compensation and any other costs you have as a consequence of them raiding your account.