FLM Quick are destroying us.

ajones28

Tixy wrote: »

Seems to have gone a bit off topic.
Debating the current system of credit and CRAs won't actually help the OP on this thread at all - and may just make it harder for the newbie OP to see/focus on the advice that has been given on what they could do in their current situation.

At last somebody who has the common sense to realise that this is about helping the OP with their problem not about peoples opinions on whether they should have paid or not. It is obvious that the OP could not have foreseen the problems that unfortunately occurred, so do not deserve to be made to feel bad for not paying.

Anyway OP sorry to hear about your problems, you really don't need the added pressure of debts on top of everything else. Obviously certain people don't understand that when some people say "I have no money", that they actually mean NO MONEY, so zero balance (or even overdrawn) on the bank account, no savings in a savings account, no relatives to borrow money from, no money in the wallet/purse, no food in the cupboards, i.e NO MONEY.

One important point though OP, I recently had to change my bank account details to have my Tax Credit etc. to be paid into, and it can take upto a month. It didn't actually take a month-about 2 weeks actually, but they do advise you that it can take upto 1 month. You really need to contact the Benefits Agency asap (or DLA if receiving Disability Living Allowance) and explain the situation to them and ask them to send you a giro payment instead. You need to make sure you give them at least a couple of weeks notice for this though ideally, and definitely no less than a week. The option is there as well to ask the bank about First Right of Appropriation as this would definitely be the easier option, especially if time is running out for your benefit payments being due. Whatever you decide to do you need to do it straight away. You cannot carry on in this situation can you, it's going to end up making you ill through stress then your situation will be twice as bad.

Good luck anyway, I hope you get things sorted out. Try to ignore the people on here who have done nothing but criticise. This website is supposed to be here to help others, unfortunately some people use it to boost their own egos. They will make out they know what it is like to have no money blah, blah, blah, but to be honest I doubt most of them knows what it is like to have literally nothing in their bank accounts and therefore really should keep their opinions to themselves.:mad:

Hax

ajones28 wrote: »

Anyway OP sorry to hear about your problems, you really don't need the added pressure of debts on top of everything else. Obviously certain people don't understand that when some people say "I have no money", that they actually mean NO MONEY, so zero balance (or even overdrawn) on the bank account, no savings in a savings account, no relatives to borrow money from, no money in the wallet/purse, no food in the cupboards, i.e NO MONEY.

ajones28 wrote: »

Good luck anyway, I hope you get things sorted out. Try to ignore the people on here who have done nothing but criticise. This website is supposed to be here to help others, unfortunately some people use it to boost their own egos. They will make out they know what it is like to have no money blah, blah, blah, but to be honest I doubt most of them knows what it is like to have literally nothing in their bank accounts and therefore really should keep their opinions to themselves.:mad:

Or, some of us do know - myself, I had £35K of debt and was relying on the cheque clearance delay to buy food or fuel my car to be able to get to/from work and borrowing from one card to pay another and then recycling that money to pay the first card. I now know that was stupid but never once did I hold the lenders accountable for the situation I was in (unlike revolu who seems to think the banks are to blame for lending the money!).

I do fully understand the pressures and stress caused by over-zealous collections departments. However, it's their job to try and get the money back that was loaned out - they aren't to know the OPs full circumstances - and aren't going to necessarily take someone's word in a telephone call at face value.

After all, the OP has told us here that they were going to repay the loan within 2 months and then within that time-frame they lost their job, and their guarantor became too ill to work and their (the guarantor's) online business didn't have any value in it to cover the debt. All sounds a bit "odd" to me - I can't imagine how an unemotional business would view such a story.

Myself, I eventually got some help and advice from a company that helped me set up my DMP - and that's what the OP needs to do - although they should use one of the free charities such as CCCS or Payplan.

My advice for the OP is:

• Open a new, basic bank account. Get all monies paid into it.
• Cancel all direct debits and standing orders on the old account (they can do without bounced DD charges at this point!)
• Work out their SOA and try to eliminate any unnecessary costs where possible.
• Communicate with FLM through letter only (sent registered post)
• Request that FLM only contact them in writing - there's a template for that letter on here somewhere.
• Try and arrange a payment plan with FLM (possibly including the SOA)
• OP must stop making the payments that FLM demand but instead make payments that they can afford and only make those payments by cheque/standing order/bank transfer - using a card for the new account is a big "NO" - otherwise FLM will continue to empty their new account.
• OP should let the account go to the collections department or a DCA if need be - they are more likely to agree to a repayment plan. Until that point, FLM will continue with the chasing.
• If problems persist, they would be well advised to contact the CCCS/CAB/Payplan for help and advice - possibly setting up a DMP.
  

bryanbukowski

It is sad to hear stories like this, and it's got to be tough for you. One thing I'll say though is dont shy away from it. Trust me, I've been there, it just makes it worse. Like others have said on this thread, talk to them, explain, try and come to an agreement but you do have to appreciate where they're coming from. At the end of the day they will need it back, and it'll be better in the long run to embrace that fact.

In regards to the advice on here telling you to report your card stolen, dont do this. Your card hasn't been stolen, I imagine you gave them your details. For you to report it as stolen would be illegal and you'll become the bad guy.

Good luck, I honestly hope things work out for you.

swifthorn

I found my O2 money card, so at midnight I shall transfer the benefit into that and just that the now. I'm glad I'm my bank stops my from going over overdrawn which means they can't touch my bank account but the can still take it from my partners. I'm having to get my HB cheque cashed instead of putting it his account but that mean we lost money for having to pay for the it. I got an email of FLM saying they were going to pass it onto Harvey Sturtt. And would take us to court.

If they do at least we can sort out a affordable payment. We are waiting to hear back from the Debt advisor at CLA. My partner told the his bank and they sent a letter to the FLM saying if they take any money out of his account for 30 days FLM must refund it immediately.

functions_2

hi swifthorn,

just a quickish message.

i'm honestly disgusted with flm's treatment of your situation but this unfortunately appears to be the norm rather than the exception to those who are suddenly finding difficulty with their payments

i just want to advise that my situation was similar to yours in terms of the harrassment and taking money out of the debtor's account willy nilly. of course yours is just downright awful

i want to mention however that there is light at the end of the tunnel but you have to get firm with flm and show them you mean business.

i've taken my case about them to any organisation who deals with it: fos, trading standards, and ico and whilst some are quite pathetic with dealing with my case, i've found i've had successes with others. most importantly all that harrassment whilst the case has been ongoing has stopped. seriously, it's completely stopped and i finally can breathe again because they honestly worried me so much (not to mention made me increasingly angry)

my honest advice...please, please take the case to any organisation willing to listen. if you need any help with this, please do ask. i can even photocopy some of the documents with regards to my complaint for you to see and judge for yourself

point is, a case needs to be made against them and especially with regards to the data protection breaches that you mentioned. i didn't disclose my number to them either and i can only wonder where they got it from. i have my theories with regard to this but more need to come forward so it can be properly investigated

don't let them get away with such behaviour!! they are breaking many OFT and other guidelines on this issue and the reason they're allowed to do that is that because they think they can without any repercussions... the charges are a joke too. have a complaint made to the FOS regarding them...if there's 4 or more complaints to them in a year then FLM have to pay £500 for the dispute

keep all communication in writing (they don't like that!) and if they ever want to talk to you on the phone, refuse to answer any of the data protection questions

one thing that'll cost you but also show you aint taking any rubbish from them is if you do a subject access request..maybe that might reveal where they got your number from and then you can take the case to the ico

let me know your throughts swifthorn. sorry i'm all over the place but i was just in such a rush to get this out

the advice already given with regards to how you should handle your account has been brill.

please let me know if you need any further help

all the best love,


functions

jamesisthebond

Daisy4567 wrote: »

:mad::mad:Companies like these are vultures who feed off Debtors.:mad::mad:

First off, ring the bank and tell them the card has been stolen. Not lost, stolen!

I assume they take the payments from a card rather than a set up Direct Debit?

I had to do this when we were entering our IVA to stop Wonga.com helping themselves to what they wanted when they wanted.

Get in touch with CAB/PayPlan or your local council's money adviser to find a permanent way forward so you don't have to continue to struggle in this manner. We went to our local council money adviser when we though we were weeks away from being homeless and they were fantastic!! We are now in an IVA thanks to his help.:T

Most importantly, get your money somewhere they cannot get their hands on it until you have a new bank account sorted or at least a new card with your current provider. To be honest I'd be changing bank accounts ASAP to cut them off at source as these companies are known for finding a way around and getting money.

Your's and your partners health are first and foremost so get that money out of the bank so you can buy food:)

I'm sure PayPlan will tell you the same as they told me, and that's that you must look after yourself first - so if your Income is less than your Expenditure, send them a form detailing this and offer a £1.00 token payment.

Hope this helps - good luck

Yeah right ... Help Wonga.com to what they wanted when they wanted ... So that means you did not borrow money from Wonga ... They somehow guessed your bank details and card details ... They then took money out of your account ... Who are you fooling mate ...

Its because of you the Britain is in a financial cricis ... If you cant afford it dont borrow it ... Limit you expenses ... AND STOP GIVING WRONG ADVICE ...

jamesisthebond

Great ... If you cant pay and interest above 20% why borrow it ... Its the fault of the entire generation ... Need a beer, Dont have money, Lets borrow it ...

Why the hell do you forget ... You have to pay it back with interest ...

Apples2

We need someone like real1314 to pop in to see just how swish and effective the fos can be.

It is entirely normal for FLM to pay the money into the guarantors account, just to ensure they are fully aware of what is happening.
You could request an SAR (Subject Access Request) which will stipulate what money was paid under your account, and where it went.
You need to fully understand if anything was paid out.
the SAR will also explain what charges/fees have been added, when and why.

Only when you are sure of your position, can you proceed.

We don't like guarantor loans on here, by the sounds of it, your choice of guarantor was not particularly good anyway.

debtcutter

I don't understand though, when they took money, did you call them to tell them you were bankrupt? Also, I'm not sure if being made bankrupt just means you dont have to pay the debt, or if it would entirely remove your name from it. Someone will be able to clear that up, if you're not 100%

How did you cancel? In writing, phone or email? Surely if you cancelled you'd have something in writing to prove that, have you?

Have you tried speaking to your garantor to see if he got the funds? Sounds like he may have.

I just don't get why any company would want to pauy money to someone that's tried to cancel. Sounds so weird. THey surely know they wont get their moneuy back?

Apples2

There is an argument that is "Loans Scams" simply refuses to pay, and prevents FLM taking any, they would retrieve it from the Guarantor anyway.

"Loans Scams" has no credit file to protect in any case so there is nothing to lose.