Strange Pay Day Loan reclaiming situation

fwor

I'm not trying to trip you up or catch you out. You are the one with the terms of their offer in front of you - I have no way of knowing the full details.

If it says that you must make full payment within a fixed time and you didn't then I can't see that you have a case. From what you say, you had a week after they refused the second payment, during which time you could have sent them £10, but you/she didn't. So the offer ceased to be available.

If you have proof that you notified them in advance that she was authorised to make payments, and that for the failed attempt she was using a method of payment that they accept (for example many loan companies will accept payment by Debit Card but not by Credit Card), then you should write to them telling them that.

Herzlos

dylan44222 wrote: »

Then when she rang back 10 minutes later, they claimed she was no longer authorized to pay the bill as I hadn't informed them she could pay on my behalf. (I did, and have proof)

Was she only authorized for a single payment? How did you authorize her? Couldn't you then re-authorize her?

Then after a week they said the early repayment was no longer possible.

Because the offer had expired.

I could not ring them and pay myself for personal reasons.

Was there any other way to pay them? Without knowing the personal reasons (I hate talking on phones, personally) I think you really should have made more effort here.


So it's unfortunate, but I'm not sure they've done anything wrong. It seems really odd that your mum would phone them out of nowhere, knowing she couldn't pay all of it, and then have to call back. Why not wait until she had both cards?


You had a full week after the incident to make it right and you didn't. Even if you had to pay the full £500 back, presumably that £160 payment put a huge dent in it and reduced the interest (unless it was already frozen).


If you feel strongly enough, you should have filed an official complaint. It may be worth doing so now but I doubt you'd get a refund.