Samedaycash & Chequespread Issues

taffam

Hi all

I am after some advice

I had a payday loan with a company called samedaycash for some months, and whilst I was repaying it on time, I couldn't ever get enough money to pay it all off in one go and not reapply straight away after. I decided the only way out was to default it and let it go to a dca and then pay it back monthly, which is what happened,

It went to a company called chequespread who I agreed to pay back 100 per month on the 28th of every month, the balance was around 600. The first month's payment was the 28th May which came out at 100 from chequespread and 600 from samedaycash - after many calls i finally got the 600 back from samedaycash and planned to continue my payments - chequespread have my card details and were due to debit my account automatically on the 28th of every month.

So the 28th June comes and nothing comes out, so I left it to see what happened, anyway I went on holiday and basically the 100 never came out. The same has happened this month, until now. I have just noticed that 2 payments of 100 have come out, 2 minutes after each other. The bank cant tell me who it is yet, but this is the only possible thing I can think of. I haven't had any correspondence from chequespread at all telling me they would be taking money, and I can't afford to lose 200 this month, it is not what I agreed to

What can I do in this situation - as far as I am concerned they have fraudulently taken this money without my permission?

Thanks

SNOW58

Hi i done this at the beginning of the year and was paying it off every week ,but didn't have enough for one payment and thought that they would just take double next week but instead samedaycash took the whole amount with out authorisation.chequespread never knew anything about it and then last week samedaycash tried taking more money out of my account for no reason. My bank is now investigating it as they never had any permission. be careful of what they will do.

taffam

Update

So I called chequespread last night and again this morning, it seems their manager has refused the refund so there is nothing they can do. I said that I haven't broken the agreement and it's their fault they didn't take the money - they can't just take money out of people's accounts when they feel like it - and conveniently the manager has a day off today. What a joke

So I am stuck as to where to go from here - should I lodge a fraud case with the bank? Can I get the transactions reversed? Is there an organisation I can complain to about their conduct?

Please people - I need some advice!!!!

RAS

Hi

it sounds like talking to the bank would be the first thing to do.

taffam

HI

I just spoke with the bank and they said that there is nothing they can do, I gave them my card details so it's as good as a cash transaction.

In fact, they were extremely unhelpful

How can companies get away with this, just taking money when they feel like it. I even said to Natwest, 'so you can just take money from people's accounts if you have their card details and there's nothing you can do' and they said yes.

I am in a real situation now and very annoyed, there must be something I can do!!

superj

Snap!

I have just experienced something like this.

I was in contact with Chequespread sorting arrangements out, when SameDayCash started taking random amounts from my debit card.

Really weird amounts on separate days.

I phoned the bank and got them to cancel the card, they have also refunded the amounts to my account.

Contacted Chequespread who now have removed my account from their system and I have been told to contact SameDayCash.

As yet I have not contacted SameDayCash.

Not sure how to proceed next, not sure if I should contact SDC or wait untill the bank does first.