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payday express...... advise please

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payday express will not accept a payment plan unless the following applys;

severe illness
imprisonment
decased......
reduced hours or redudnacy

im not any of these and they are saying they wont accept a payment plan.. well its the only bloody way they are going to get their money back.... how to i go about paying this back if they wont accept? advise please thanks!!

Comments

  • jayphe
    jayphe Posts: 36 Forumite
    From their point of view your financial circumstances haven't changed since you took out the loan, which they would check/presume you were in a position to pay back when you signed up. Has something changed in your financial status since the loan was agreed that isn't on that list?
  • dancingfairy
    dancingfairy Posts: 9,069 Forumite
    Well that's tough on them isn't it. Have you got yourself a new totally fresh bank account so they can't raid it? If so and you have closed the old account and not given the new account details then they will have to accept your repyament proposals. Send your offer to them and keep copies and send postal orders or a cheque? If you keep writing to them and they persist in refusing then that's tough they will have to take you to court and explain to a judge why they have refused all offers of payment from you and are therefore wasting court time. If you haven't managed to cancel your old account the chances are they will keep taking the money until they are repaid and then hopefully you can repay the bank at a sensible rate.
    df
    Making my money go further with MSE :j
    How much can I save in 2012 challenge
    75/1200 :eek:
  • fatbelly
    fatbelly Posts: 22,945 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Cashback Cashier
    From their website:
    Complaints

    If you are not satisfied with any aspect of our service please let us know of your concern in one of the following ways:

    • By Telephone – 0800 652 4663

    • By Letter - address complaint to:

    Customer Care
    Payday Express
    4th Floor Northside House
    69 Tweedy Road
    Bromley
    Kent BR1 3WA

    • By Email – customercare@paydayexpress.co.uk

    We will endeavour to reach a satisfactory resolution within a set period of time.

    If you are not satisfied with the outcome after eight weeks have passed, you have the right to refer your complaint to the Financial Ombudsman Service.

    Financial Ombudsman Service
    South Quay Plaza
    183 Marsh Wall
    London E14 9SR

    https://www.financial-ombudsman.org.uk

    For further details regarding our complaints procedure please contact us.

    Does that give a way forward?
  • Culex
    Culex Posts: 776 Forumite
    I wonder how they would set up a payment plan with someone who had died.
  • Gordon_Hose
    Gordon_Hose Posts: 6,259 Forumite
    Debt-free and Proud!
    Culex wrote: »
    I wonder how they would set up a payment plan with someone who had died.


    I was just about to post the same thing :rotfl:
  • RAS
    RAS Posts: 35,549 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Read saltnvinegar's excellent thread here https://forums.moneysavingexpert.com/discussion/2735257
    If you've have not made a mistake, you've made nothing
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