If you do have some money in your bank but need it for your priority bills such as your mortgage or rent, you can stop the payday lender taking money from your account. You need to contact your bank and asked for the Continuous Payment Authority to be cancelled (or the standing order or direct debit, if this is how you have chosen to pay). Under the Payment Services Regulations you have the right to withdraw your permission for a payment directly with your bank you do not need to approach the company first.
If you have written a post-dated cheque to the payday lender to cash on the due date, contact your bank and ask them to cancel the cheque. Always give your bank as much notice as possible at least several days otherwise they might not be able to cancel the payment for you.
As soon as you realise you cannot pay back a payday loan, you should contact a free and independent debt charity for advice. StepChange, the Citizens Advice Bureau or National Debtline can all offer advice on your rights when dealing with payday lenders and help to get your finances back on track, so you dont have to rely on expensive credit anymore.
You will not be alone payday loans online san antonio texas getting help charity National Debtline received 20,000 calls in 2012 for help with payday loans, a 94 increase on the year before and a 4,200 increase since the credit crunch started in 2007.
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