Unauthorised debits

<p>I have a loan with finchoice and it goes off by debit order each month. By the 1st week after they have deducted their debit order i recieved an sms when should they take the next debit order as it s december as we get salary usually earlier. I rep**** by that sms my debit order date when they should take it. A couple of days later i recieved an sms from my bank and its showed that Finchoice took money from my account. Immediatley i called them and asked them why they took money from my ac**** without permission. The consultant very rudley said because pepole get paid earlier in december and finchoice has right to take debit order any date in december as it is stated in the contract. I explained to her but they did send out sms to ask which date and to reply to that sms with date which i did. After almost and half and hour on my cell trying to get this problem sorted i eventually spoke to a supervisor. He then told me that they will refund me my mony back as he could see on the system that i did repy with a date. He said tat it will take 2 to 3 workings days for it to be refunded back in my account. This happend on the 12th. I also explained that aother debti orders is going off on the 15th of this month and i made provisions for that but not exra debit orders like they have taken now. I waited 3 days but no money yet paid back. I called them again and yet another rude lady said to me i should wait as there is nothing she can do as she can see that it has been sent for aproval but i must wait for it to go through. I said to her that my other debit orders will get unpaid and i will end up with a bad credit score when it reflects unpaid. She said thats not her fault as i must wait. Again i called them this morning and they tod me that it is pending and they will escalate the querie and will get the money refuned today. Still nothing. The querie reference number172253. And i had to pay bank charges for unpaid debit orders on my account and it left me with a negative balance in my account. They dont want to take responibility for their actions but i must suffer the consequnces. I logged a call again today and was promised this matter to be solved by 10am this mornning and i will recieve a call from Busi whom i spoke to but still waiting. Its end of business again and i still dont have my money back in my account.</p>