minicredit raided my account

[avfc1991]

Hi,I have just started a DMP with CCCS over about £1500 of debt.

 

This included minicredit, who have just took £300 out of my account, which I didn't authorise. I now can't pay my council tax or eat for two weeks untill I'm paid again.

 

Is there any way I can reverse the transaction?

 

I need help desperately, thanks.

[renegadeimp]

How did they debit it? Was it visa card based? http://whatconsumer.co.uk/visa-debit-chargeback/ Dont take No for an answer.

 

You must also tell your bank about it, prove you are with a DMP and they were not authorised.

 

Then file a full and formal complaint with the PDL, and OFT. Make sure you demand a final response from Minimuppets. They have 8 weeks to give you one, upon which you can get the FOS involved.

 

They key is to get that chargeback and ensure you file full and formal complaints.

 

If you banki starts to get funny, remind them that they have a duty of car to people in financial hardship.

 

You also MUST report your debit card as lost and cancel any CPA's and DD's on your account as well.

[dx100uk]

We have been telling people to put a letter into their bank instructing them not to make any payments under any circumstances to these companie

http://whatconsumer.co.uk/visa-debit-chargeback/s - it works!

 

banks MUST follow written intructions from their customers !

This fsa guide has now been updated:

 

http://www.fsa.gov.uk/pubs/consumer_...ghts_guide.pdf

 

Here's the text:

 

Cancelling a regular

card payment:

 

When you give your credit or debit card

details to a company and authorise

them to take regular payments from

your account, such as for a gym

membership or magazine subscription,

it is known as a ‘recurring transaction’

or ‘continuous payment authority’.

These are often confused with direct

debits, but do not offer the same

guarantee if the amount or date of the

payment changes.

In most cases, regular payments can

be cancelled by telling the company

taking the payments. However, you

have the right to cancel them directly

with your bank or card issuer by telling

it that you have stopped permission for

the payments. Your bank or card issuer

must then stop them – it has no right to

insist that you agree this first with the

company taking the payments.

Be aware, though, that you will still be

responsible for paying any money that

you owe.

see: http://www.consumeractiongroup.co.uk/forum/showthread.php?336569-How-to-remove-a-lender-s-continuous-payment-authority(2-Viewing)-nbsp

dx

[avfc1991]

Hi, my new bank card with a different bank came today, i was about to withdraw all my cash and my wages etc have been moved to my new account now.

 

This was literally the last chance they had and they took it... I will read the thread thanks.