seeking refund from Mr Lender

SHOCKEDSCOT

Hi, i am completely desperate and looking for assistance. I have (had) a dreaded payday loan through PDL (trading as Mr Lender). I had a monthly payment set up for £6.23 when i was unemployed. I missed it in December, my sister died early in Jan and fell behind then but yesterdy i logged on to bring it up to date and because my step son died on 22nd Feb and was my first day return to work prior ot funeral i dont think i was clear enough in head . My intention was to go online pay what i thought i owed (i.e.£18.69) then phone the company and offer to increase the payments to £50 per month as able to pay more now. Unfortantely it didnt give me a payment option and probably thorugh my own stupid mistake they took nearly £700 there and then from my account!!.. ihave been on the phone to them, got nowhere apart from telling me i could get another loan!...i explained the funds in account were being held by me for my partner for his son's funeral expsnes (funeral 1st March). there was no help/sympathy or indeed realisation the panic and state i was actually in. With being physically sick yesterday, not sleeping last night and banging headache today (as still havent advised my partner) i do not know what to do. My bank said once the funds leave my account they can raise a dispute...the "supervisor" advised very strongly (twice) it woudl be pointless me doing this as "they would win"..i explained i am desperate and happy for them to take the £50 but return the rest, and so i have to try something/anything in order to recoup these funds, which are not in the end mine........Does anyone know IF a reversal or refund MIGHT be possible? many thanks.:mad:

dealer_wins

SHOCKEDSCOT wrote: »

Hi, i am completely desperate and looking for assistance. I have (had) a dreaded payday loan through PDL (trading as Mr Lender). I had a monthly payment set up for £6.23 when i was unemployed. I missed it in December, my sister died early in Jan and fell behind then but yesterdy i logged on to bring it up to date and because my step son died on 22nd Feb and was my first day return to work prior ot funeral i dont think i was clear enough in head . My intention was to go online pay what i thought i owed (i.e.£18.69) then phone the company and offer to increase the payments to £50 per month as able to pay more now. Unfortantely it didnt give me a payment option and probably thorugh my own stupid mistake they took nearly £700 there and then from my account!!.. ihave been on the phone to them, got nowhere apart from telling me i could get another loan!...i explained the funds in account were being held by me for my partner for his son's funeral expsnes (funeral 1st March). there was no help/sympathy or indeed realisation the panic and state i was actually in. With being physically sick yesterday, not sleeping last night and banging headache today (as still havent advised my partner) i do not know what to do. My bank said once the funds leave my account they can raise a dispute...the "supervisor" advised very strongly (twice) it woudl be pointless me doing this as "they would win"..i explained i am desperate and happy for them to take the £50 but return the rest, and so i have to try something/anything in order to recoup these funds, which are not in the end mine........Does anyone know IF a reversal or refund MIGHT be possible? many thanks.:mad:

Unfortunately you have no chance of getting a refund. You will have to beg and borrow from family and live on the breadline for a few weeks.

fermi

Moved to a separate thread.

fermi

I would give National Debtline a call to see what they think.

See this link: http://www.nationaldebtline.co.uk/england_wales/factsheet.php?page=41_payday_loans#chapter5

Most payday lenders have given undertakings to the OFT etc on how to behave when people have informed them that they are in financial difficulties. So it may be worth talking things though with NDL to see if there are grounds for complaint.

Probably not give the circumstances, but at least NDL should be a able to confirm one way or the other to stop you wondering......

More importantly they are able to talk you through all your options, which is easy over the phone but often difficult on a forum like this.

SHOCKEDSCOT

many thanks Fermi for your advice. I will do that today and post how i get on. Cheers:)