help absolute nightmare!!

[Desperate Daniella]

Thank you so much for your reply, really do appreciate being able to discuss this, as nobody else knows

 

Don't worry. I know how you feel. Before I found CAG I didn't know anyone else in my own situation and only two of my friends know to this day what a mess I was in. I knew there had to be other people like me but I didn't know where to find them and I was so relieved when I found CAG. It quite literally saved my life.

[PDLVictim]

Hi san67,

 

WageDayAdvance always setup direct debits instead of card payments or CPA. They set this up the day before payment due. Even when on repayment plan they set these up the day before due date for the full amount, so these have to be cancelled manually every month. Anyway, a direct debit is returnable under the direct debit guarantee, so instruct your bank to return the direct debit as unpaid.

 

CPA and debit card payment are two different things, you have to cancel both, therefore if you only cancelled CPA some companies can still take debit card payments, my advice would be also to cancel your debit card and get a new one (you might have lost your debit card).

[renegadeimp]

You need to be making harassment complaints before you even think about repayment plans

[Desperate Daniella]

I should have thought about that, but do you think they have harassed enough yet to complain about?

[renegadeimp]

Multiple calls texts/emails in a week can be seen as harassment. They are doing it to you multiple times every day.

[Desperate Daniella]

I think san67 only stopped payments in the last couple of days, and the calls started today and yesterday. Should they give it a week so they have something more to complain about?

[renegadeimp]

If they are contacting the debtor multiple tiems a day, it doesnt matter whether the account has been in default for a day or a year.

[Desperate Daniella]

That's what I am trying to say. Totally agree that each one shouldn't be chasing multiple times a day as that's harassment. However, as there are about a dozen of them we have to identify the ******s and count the calls for each one!

[san67]

Thanks for advice, I'm starting to monitor the amount of calls, texts and emails I'm receiving from each company, also this is part of the reply email I received from Peachy loans

 

"We will not attempt to collect payment using these details for 30 days

as the continuous payment authority is now cancelled".

Does that mean I will have to cancel all CPAS with the companies and the bank again next month, just in case they try and take payment?

[renegadeimp]

Make sure you cancel the CPA with your bank. NEVER take the word of a PDL as fact. Once it is cancelled, it is cancelled until you tell the bank otherwise.

[manontheweb]

Your best bet is to get a new bank account and get your wages paid into that. And never get another payday loan!

[BRIGADIER2JCS]

See Roberts -v -BOS IN COURT OF APPEAL JUNE 2013.

[wilko011178]

Hi san67... can you give an update on what happened??

[dx100uk]

this is an old thread

 

best to start a new thread

 

dx