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juliesearle

need advice please..

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hi i took out a small minicredit payday loand..100.00..only receive 82.50 in account...due to pay back 7th december...i realised i couldnt pay back due to charges from my bank...so i notified them asap..and told them not tto use my debit card as i had no money..and basicall emailed withdrawing my authorisation to use it...xx i asked them for an alternative method..as i can borrow from my mum to pay some back until pay day then i can pay off the rest...i got email back saying they cant stop the payments going out...as i entered agreement..but nothing about how else i can pay it....i again emailed them stating i withdraw my authorisation...and if they charged me for doing so...i wouldnot pay these charges as they were advised not to...TODAY i got email stating they have charged me for failed debit card payment and would again add 55.00 on on the 10th...is this right...i dont know what to do...I HAVE kept all copies of emails sent to them...and there response with the withdrawing my authorisation...im contacting my bank monday to stop cpa....what do i do next....im a bit scared by these....

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Same here, but only got £86.50 and my loan is currently at £565.00 they will not give bank details so the debt can be cleared, they state i must pay by debt card or Ukash ? however they will give me the bank details as soon as the debt is pasted to their in house collection, which is blackmail. i have emailthe OFT & FOS making a formal complaint. But this company are just adding fees. therefore as soon as i have details so i can transfer funds via internet i will only be paying loan plus month int as per the OFT guidelines.

 

How are in going to repay your loan ? you must cancel the debt card and any CPA as they will empty your account,

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i have cancelled my debit card...did tell minicredit before due date..and withdrew my authorisation...so i told them i am not paying anything else other than loan and 1 months interest..they were informed in enough time..they are saying they cannot cancel the cpa....as i entered an agreement... i just hopemy bank will do it...and again today i emailed minicredit advising them not to use my details..as if th ey take money out it will cause me financial hardship...all i want is the payment details to send them the money...but they keep sending me emails only to use ukash....or another persons debit card....xxx

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