desparate, please advise - payday loan unauthorised payments!

Mkelly_2

Hi

I recently applied to uncle buck for a loan, providing debit card details as part of the process.


At the end fo the call they informed me that I had an unpaid loan from over a year ago witht them, which I do not remember but accept that its true - i had to use a lot of these companies last year to get by.

Yesterday I had a call from Barclays advising of suspcious transactions, and Uncle Buck have taken hundreds of pounds from my account. Ultimately Barclays advised that there was nothing I could do as Id freely given my card details.

Is this true? Do I not have to authorise card transactions? The account is only a few months old, so these card details are not the oens I provided when I took the loan - can they simply take money from me just because they know my card details? Don't i have to authorise a transaction?


ANy advice desparately welcome - I now have no idea how I'll pay my rent this month.

crazyguy

If you owe them the money then if they ave got your new details they have every right to take it back from you its in there T&C'S

Apples2

You did authorise the transaction at the time you took the loan out unfortunately.

In their Terms and Conditions they can take the money from whatever card they have on file for you.

We always try to advice people who go down this route (cancelling cards/moving accounts to avoid payment), that you can run, but you can't hide.
They will find you in the end.

opinions4u

Please just sort out your budgeting and put yourself in to a position where you live within your means and never find yourself wanting to use these companies again.

geoffky

please please stay away from these companies...you will end up going mad...