After analysing 665 cases of borrowers, Citizens Advice has revealed that 90% of payday loan customers may have grounds for complaint about unfair treatment. The case analysis revealed that some lenders were using continuous payment authorities (CPAs) – recurring payments from accounts – to make sure repayments are made. CPAs are commonly used by gyms and magazines to take renewed subscription payments automatically, however CPAs should not be used to take money without warning. Since 2009, banks and building societies have been obliged to cancel CPAs when asked to do so by their customers. The Financial Conduct Authority in June said that banks and mutual societies were failing to do what they were asked, forcing customers to cancel the payments with the lenders themselves. However, the banks have since promised to stop the payments when customers tell them to. Gillian Guy, Citizens Advice chief executive, has urged people that are suffering from payday loans CPAs to fight for their rights. “People can feel powerless when unscrupulous payday lenders use CPAs to run amok in their bank accounts. Now, we’re reminding consumers that they can fight back,” she said. The payday lending industry trade bodies have commented on the matter and said that codes of conduct are in place to ensure that customers are treated fairly. The contents of this article are intended for general information purposes only and shall not be deemed to be, or constitute legal advice. We cannot accept responsibility for any loss as a result of acts or omissions taken in respect of this article. Setfords Solicitors are a national full service law firm, with dispute resolution solicitors in Windsor and across the country.