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Hi, so my first time post, and my last one. I stupidly got a payday loan with Payday UK of £500 and payment is due of £649.00 next Friday, however I am struggling to make this payment due to my partner loosing her job. I am happy to come to a repayment plan of £70.00 a month until clear, and will write to them requesting this. I will not communicate over the phone with them, and I am aware of to call bank to report my card lost. However my worry is the continuing payment authority, what i don't want is for them to clean out my bank account on my due date the 18th. Is it worth reporting my card stolen instead of lost. I have applied for a new bank account, however i have missed date for payroll to change my details anyway. I have plenty of time before payment is due, and have written a draft email ready to sent to Payday UK. However i just cant help worry they will somehow manage to take some sort of payment from my account at the early hours of the day I am paid, even if i was to write to bank to tell them to stop any continuing payments i have read this does not work. Any tips.

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you should be fine - make them the offer before payment is missed and see what they say. you can send letters to David Cameron if you really want but i personally dont see what good it does

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Report your card stolen to your bank, and write out a letter demanding that any and all transactions INCLUDING CPA's relating to the PDL are cancelled immediately.

 

Hand the letter in person to your branch and get the bank to photocopy it and sign and stamp both copies. You keep one copy, they keep the other. From the second that letter is recieved and signed, should the PDL take ANY money from your bank, the bank are obliged by law to refund all monies sent, and refund all charges, should you have become overdrawn etc.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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