Payday Express have sent me a credit agreement?

beercan

Hi there,
I'm normally extremely savvy when it comes to Spam etc but today I received an email I've not seen before from Payday Express thanking me for my payday loan application and it threw me a bit.

They state they will pay £160 into my bank account and withdraw £200 on 25th Jan.

I have not and would never apply for a payday loan, so could someone please confirm if this is just them fishing for info and a loan "bite" or does this mean someone has fraudulently applied as me?

I don't want to ring them as this will confirm to them I'm "real"...

Regards

Catslovelycats

Surely there's nothing to worry about by making contact if you know you've no outstanding loans or anything?

If that's the case then I'd phone them, otherwise if it goes ahead you're out of pocket!

Someone else may say not to phone, but I can't see what you've got to lose AS LONG AS YOU'VE GOT NOTHING OUTSTANDING.

PS: sounds like they already know you're 'real'.

Young_Guv

beercan wrote: »

Hi there,
I'm normally extremely savvy when it comes to Spam etc but today I received an email I've not seen before from Payday Express thanking me for my payday loan application and it threw me a bit.

They state they will pay £160 into my bank account and withdraw £200 on 25th Jan.

I have not and would never apply for a payday loan, so could someone please confirm if this is just them fishing for info and a loan "bite" or does this mean someone has fraudulently applied as me?

I don't want to ring them as this will confirm to them I'm "real"...

Regards

sometimes i would get emails saying *** we have £400 here ready for you to put in your account, one quick call & itl be in your account in such a such time. There usually junk emails, passed on by other pay day loans companys

psyman17

You could be a victim of fraud. It sounds like someone may have taken out a loan with your details. Payday Express dont usually send trick marketing messages like this so I'd certainly check it out with them.

zzzLazyDaisy

If you ring them, Google the phone number provided first, to check that it is the number for Payday Express, so you don't inadvertently discuss the matter with some random person fishing for information about you.

mightyroyals

psyman17 wrote: »

You could be a victim of fraud. It sounds like someone may have taken out a loan with your details. Payday Express dont usually send trick marketing messages like this so I'd certainly check it out with them.

They do send them normally once or twice a week i get one from them in my junk folder

[Deleted User]

If there is an PDF agreement attached which may show even more personal details, then it is very unlikely to be a "marketing" email and in my time this was probably one of the few PDL companies that didn't bombard my inbox with unnecessary emails.

Hope OP is on the way to getting to the bottom of this.

goodz

mightyroyals wrote: »

They do send them normally once or twice a week i get one from them in my junk folder

I learn something new every day.

I assume that they don't then try to activate it though, surely. They can't just plonk an unsolicited loan in your account then try to charge you for it, can they. Or can they. No, surely not, how would that work, that wouldn't work would it, that would be illegal for starters plus lots of people would complain and raise a hue and cry, wouldn't they.

So that's a bit odd, how is it legal to send out an unsolicited message stating that. That can't be legal, surely not. That's harassment or threat or something like that, isn't it.

Or is there more to it, do you have to click a link to activate it or something like that. Crikey, whatever next.

Yes, OP, in your position I'd now be worried and would try to check in case it might be identity theft and someone's got into your bank account. In which case perhaps that's a police matter.

But if it's not that and it's just absurd spam then, well, that's a nuisance and a bit of a scare, isn't it. Maybe it's worth telling some of the consumer journalists on the national newspapers, that's not one I've heard before so maybe they might feature it and get it stopped.