Payday UK cleared my bank account!

antrobus

cThe OP did not agree to the this use of the CPA, and it wasn't fully explained, ....[/QUOTE]

Granted the OP is annoyed that the PDL has now taken the money, but without sight of the "details of the agreement" you have no idea of what the OP agreed to, and neither can you state that it "wasn't fully explained" without knowing precisely what was explained by the PDL in the first place.

Treadmill wrote: »

...a direct contravention of OFT guidelines and grounds for a complaint to the OFT.

The gudelines you referred to where issued in November 2012, so may not be of much help to the OP given that the arrangements they entered into clearly predate them.

Treadmill wrote: »

...Looks like the PDL company where in breach of their agreement with the OP by taking an unauthorised deduction to me, we have established that the agreed payment plan had expired so any funds secured by the abuse of the CPA cannot have been made by prior arrangement.

Again, I'm not sure how it can look like anything without knowing what precisely the OP authorised/agreed to in the first place.

Treadmill wrote: »

...I can't see the OP getting the funds back ....

Says it all.

Brains64

FurryLippedSquid wrote: »

Hi there. I was in arrears with Payday UK and set up a 3 month repayment plan. That expired yesterday and it slipped my mind that I needed to contact them to extend it. Today they cleaned out my bank account of nearly £300. I now have no way of feeding myself for the next 4 weeks, let alone anything else.

I've been in touch with them and they said because the plan had expired and I failed to contact them they took as much as they could from my account and were not willing to refund it.

Do I have any recourse?

Did they send you any reminders by email or text just before the deadline??:think:

Apples2

I can't grasp why it needed extending.

Why on earth would they agree a 3 Month plan which would have left a balance?

Not sure OP is ever coming back but it seems most likely OP didn't stick to the repayment plan anyway, hence the need to call them to extend it.....which he didn't do either.

Le_Pip

All that aside the Lending Codes states that before taking payments for a non priority debt they must allow for priority debts reasonable day to day expenses, etc. I do not know if payday lenders subscribe to the Lending Cod, but if they do they cannot just take what they want and leave someone with no money to feed themselves, etc.

Apples2

Le_Pip wrote: »

All that aside the Lending Codes states that before taking payments for a non priority debt they must allow for priority debts reasonable day to day expenses, etc. I do not know if payday lenders subscribe to the Lending Cod, but if they do they cannot just take what they want and leave someone with no money to feed themselves, etc.

Surely it is accepted that to understand those figures, there must be some dialogue between creditor and debtor.
What happens if OP simply ignores calls, letters etc and makes no attempt to contact them himself?

Figtree

Whilst the rest of you bicker over what the OP may or may not need to hear depending on what their situation may or may not be, it would be useful for the OP to post a bit more information about what the agreement was and what - if anything - is outstanding on the loan.

FurryLippedSquid: If you haven't been scared off yet, could you share some more information about what had been agreed so the rest of us can help?

Le_Pip

Apples2 wrote: »

Surely it is accepted that to understand those figures, there must be some dialogue between creditor and debtor.
What happens if OP simply ignores calls, letters etc and makes no attempt to contact them himself?

But when they did call they were told nothing coud be done. I accept they is a degree of culpability as the OP didn't call them, however the company must have completed an I&E to agree a repayment plan and would already have an idea of appropriate repayments.

meer53

Figtree wrote: »

Whilst the rest of you bicker over what the OP may or may not need to hear depending on what their situation may or may not be, it would be useful for the OP to post a bit more information about what the agreement was and what - if anything - is outstanding on the loan.

FurryLippedSquid: If you haven't been scared off yet, could you share some more information about what had been agreed so the rest of us can help?

The OP needs to contact PaydayUK to sort this out. No-one here can help them. If they owe money, had an agreement which has now ended, and a new agreement hasn't been set up then PaydayUK will claim whats outstanding.

londonTiger

how is it that this scammers can just rinse your account? What sort of arrangement do they have? Do they have your pin number or something?

opinions4u

londonTiger wrote: »

how is it that this scammers can just rinse your account? What sort of arrangement do they have? Do they have your pin number or something?

No. They use a far more devious method.

They say:

1. Enter your card details here.
2. You promise to pay us back, with interest.
3. Click here to agree to the terms and conditions, including our right to debit your card on or after the due date to reclaim funds owed.

Then they send the person who "clicks here" the money that they asked for.

Then they rather outrageously take their money ack when it's due. If they fail, they keep trying. Because:

- the customer agreed to it and
- the customer owes them them money

Quite terrible.

Doing what the customer said they could do.