Urgent help required

CheeseOnToast

Hi,

At the end of 2004 I cashed 6 cheques for £100 each with a cash chequing service.

They subsequently bounced a bit later on and the debt was passed to Certegy to pay off.

They wanted £100 x 6 for the cheques and £45 x 6 for their charges.

Totalling £870.

Firstly they keep rebanking the cheques over and over even though I asked them not too, and the bank keep charging me £30 per cheque each time one of them gets returned again, my bank behaviour score has also been destroyed.

Last month I phoned up to pay £100 off by debit card. They took this.. And I told them I would call back on the 28th to make another payment.

On the 28th of the month they then debited £370 from the same debit card WITHOUT any communication or authorisation from me! I only noticed this a couple of days ago, they also now tried to take another £100 which bounced and my bank charged me £30 for charge card misuse.

Please help me because as I thought it the debit card can only be used that time I gave it to them, not for them to try and take £470 over 3 different payments! This also means they have my debit card details on file!!!!!!

This surely can't be right?!!!

I am going to ring them in the morning and play !!!! and call the bank to tell them the last two payments weren't authorised!

Can someone please advise me on this and I'm really in a knot..

Thanks

Phil

Smiley_Mum

Not too clued up on cheque cashing services but came across a few sites that maybe of some use. Contact your local trading standards office and also the small print of the agreement with the cheque cashing company. Any letters you send, make sure you keep copies etc. If you are on low income you may be entitled to legal aid.

Came across this so you can call Certegy freephone

http://www.certegy.com/GS_UK.html

Check the

http://www.saynoto0870.com/


website so you can perhaps find a freephone number to call the companies you need to call. Most have 0870/0845 which you pay a fortune for.

There is this too -

http://www.oft.gov.uk/Consumer/Your+Rights+When+Shopping/Money+and+credit/Money+if+you+borrow.htm

http://www.tradingstandards.gov.uk/cgi-bin/searchsite.cgi

These charges also by bank etc are just automatically generated, computer piles out a letter etc and bangs the charge on. If you contact bank by letter etc to Manager and explain situation they may be sympathetic to your predicament. Fingers crossed.

This is an american site but worth a look -

http://moneycentral.msn.com/content/Banking/P43230.asp

http://www.nationaldebtline.co.uk/scotland_factsheets/factsheet_10.php3

Good Luck!