Doorstep loan need help please!!!!!

needhelpplease1978

Hi really hoping someone can help me. A few months ago I had a £300 loan from a loan company who collect payments from your door each week. My husbnd has recently lost his job and I have been unable to make the payments. I phoned the company before christmas and told them i was struggling, they told me to pay what i could. Then no one came for about 5 weeks!! Now they have started coming to the door again but I just have no money to give them at the moment, it has been getting worse over the last couple of weeks, I have had a letter saying they are going to take me to court, they are ringing me almost every day, and coming to the house about 3 times a week. They are knocking on the window, looking through the window, shouting through the letterbox, the other day she waited round the corner in her car and when she saw me coming down the road followed me in her car until i got home then started banging on the door and shouting through the letterbox again, she even tried to get through my back garden gate but we keep it locked and today the woman even tried to open my front door!! (luckily I had locked it!!) Myself and my children were terrified today and now it is getting to the point where i am scared to leave the house in case she is waiting outside and i jump whenever the door knocks. I literally have no money to pay them and I'm terrified, please please can anyone help me i don't no what to do.

Tixy

What company is this?

How much can you afford to repay them currently? each month or whatever?

Assuming this is a legit company I would write to them and ask for all further communication to be in writing and to ask them to stop visiting your property. You then need to set out a repayment plan that you can afford (even if its only a few quid a month) and ask for their standing order details so you can start to repay the money.

Possible templates for you here -
http://forums.moneysavingexpert.com/showpost.php?p=11571485&postcount=4
and here
http://forums.moneysavingexpert.com/showpost.php?p=23635529&postcount=58

Aside from that it may be useful to seek advice from one of the debt advice charities here IMPORTANT - Where to seek professional impartial advice about your debts.

needhelpplease1978

Thank you, the company is called Pilvale (also known as haybridge) and they r based in the midlands. i am still feeling shaken by what happened earlier, I just wonder what she'd have done if I had left the door unlocked (which I sometimes do when the children play outside), it wouldn't have been as bad if my husband had been here but I am on my own until 10pm so am feeling quite vulnerable at the moment. I will use one of the templates and send them an e-mail and hopefully that will stop them calling at my house anymore. I will also see if they will accept a payment plan from me via standing order but i will probably only be able to pay about £5 a month.

Tixy

Terrible about her trying the door - I would definitely make a complaint about that to the head office. Obviously for now keep your doors locked.

Flyboy152

To heck with head office, surely this is police matter. Harassment and intimidation isn't well received.

geoffky

This is harassment..report it.. then pay them back otherwise the apr will cripple you..

Ive_A_Horse_Outside

needhelpplease1978 wrote: »

Thank you, the company is called Pilvale (also known as haybridge) and they r based in the midlands. i am still feeling shaken by what happened earlier, I just wonder what she'd have done if I had left the door unlocked (which I sometimes do when the children play outside), it wouldn't have been as bad if my husband had been here but I am on my own until 10pm so am feeling quite vulnerable at the moment. I will use one of the templates and send them an e-mail and hopefully that will stop them calling at my house anymore. I will also see if they will accept a payment plan from me via standing order but i will probably only be able to pay about £5 a month.

Where is the husband until 10pm? If he's out at work can you not pay them off...

AnxiousMum

Is trying to get into your house not an attempt break and enter? I'd certainly be reporting it to the police.

needhelpplease1978

No he's not at work, he's looking after his elderly dad who's recently had a heart attack, he gets him something to eat and sits with him, and helps him get to bed etc, I could call him but i don't want to stress him out any further so I'll wait till he gets home. he is due to start a new job soon but we have got rent arrears now cos of him being out of work so we need to get back on track there aswell once he gets back to work. Its not that I don't want to pay by the way, that was never the case, I'm just worried about what this company will do next, beleive me if we had the money we would happily pay it, but with the intrest they have added on we still owe them about £450 even though the loan was only £300.

needhelpplease1978

And thanks for the advice regarding the harrassment and breaking and entering, I will wait till my husband gets back and will ring the police. This is why i posted on here and was so worried because I was always under the impression no one can enter your home unless you ask them to, I have never experienced anything like this before. They are making me feel like a prisoner in my own home!! I don't want to let the children out to play, I have to keep my doors locked and even my blinds closed because they have been banging on the windows before aswell. Like I said the other day the woman had obviously been waiting in the street for me in her car and when she saw me coming down the road, followed me in her car and started banging on the door and shouting through the letterbox, I feel as though they are trying to pressurise me into paying something I can't afford.

Apples2

There are two sides to this.

I am in no way trying to defend the methods being used but this debt exists and must be repaid.

Isn't it a fair assumption these people have tried ringing and knocking the door?
Isn't it also a fair assumption you are doing everything possible to avoid contact?

Burying your head in the sand and locking the doors will NOT make this issue go away, you DO NEED to sort something out, they won't just disappear.

Maybe it is time for you to call them and arrange a meeting. They cannot take what you don't have. Don't invite them into the house, go to their Offices.