I have foolishly taken out several loans from 'payday lenders' which escalated into me paying off loans with other loans and I am now trying to dig myself out of that hole. I am in Scotland.
I have contacted all of my creditors to try and arrange a repayment scheme and all but one of them have responded with a schedule I can keep to.
However, one of the companies has completely ignored my requests and, today, took around £600 from my bank account. The charges are currently pending.
I have contacted my bank and asked them to cancel the continuous payment authority and they have done so, but they cannot cancel the pending transactions, though I may be able to dispute them - but I find it unlikely that'll work since it's more for charges that were made without my permission?
This unexpected charge has left me with £20 to survive for the rest of the month so I definitely need to do something, but I'm not sure what my best course of action is. Can anyone advise?