Dealing with Payday Loans

lantanna

marilyna wrote: »

Ok, let me know if you get their bank details,;) They told me they don't accept Giro slips or standing orders:mad:

I am in the same boat waiting on them to contact me. I was in a DMP with the CCCS for 18 months. I then moved to self managed and they wouldn't let me pay by standing order. I contacted them many times and haven't heard anything from them since July.

I don't know what is going to happen with it.

They defaulted me in 2010 so I'm not worried about that but I don't want a CCJ landing especially when I have tried to make arrangements to pay.

Pounds to Pocket & QQ are affiliates btw.

sexyshark

lantanna wrote: »

I am in the same boat waiting on them to contact me. I was in a DMP with the CCCS for 18 months. I then moved to self managed and they wouldn't let me pay by standing order. I contacted them many times and haven't heard anything from them since July.

I don't know what is going to happen with it.

They defaulted me in 2010 so I'm not worried about that but I don't want a CCJ landing especially when I have tried to make arrangements to pay.

Pounds to Pocket & QQ are affiliates btw.

when I moved to self managed I noticed on my cccs statement that i owed pounds to pocket £19.12 so I emailed them to confirm the final balance so i could pay it all off, only to find the total was £125.31.

DreamerHelen

I have, in the past, had a Payment Plan with Quick Quid....they accepted it pretty easily but I had to pay like £75 per month....they wouldnt accept any less...so I don't know how flexible they are with regards to lower payments...

But making the Payment Plan with them was really easy...I just spoke to the Collections Team and they made the Plan....But then again, they did it by taking money from my Card....which I know you don't want to do....

Hope you hear from some of them soon hun x

marilyna

lantanna wrote: »

I am in the same boat waiting on them to contact me. I was in a DMP with the CCCS for 18 months. I then moved to self managed and they wouldn't let me pay by standing order. I contacted them many times and haven't heard anything from them since July.

I don't know what is going to happen with it.

They defaulted me in 2010 so I'm not worried about that but I don't want a CCJ landing especially when I have tried to make arrangements to pay.

Pounds to Pocket & QQ are affiliates btw.

Keep me posted, will let you know if I hear anything. They sent me a text today asking for payment in full.

marilyna

Got this from Mr Lender today

Address: Suite 105W, Sterling House, Loughton, Essex, IG10 3TS

Telephone: 0208-532-5024

Date of notice: As per this email.



Credit Agreement reference number:

This notice is being given to you as required by the Consumer Credit Act 1974 because we have charged you the following default sums under your agreement with us.

Description of charge, Amount

Late Fee, £20
Letter Fee, £20
Collection Fee, £20

Total: £60

Please contact us on 0208-532-5024 in order to discuss the state of your agreement.

This Notice does not take account of default sums which we have already told you about in another default sum notice, whether or not those sums remain unpaid.

Interest

We are not entitled to charge you interest on the default sums for the first 28 days after we have given you this notice. However if the sum is not paid in full by that date interest will be charged at the rate of 30% per month.


Head of Collections
PDL Finance Limited trading as Mr Lender

sexyshark

marilyna wrote: »

Keep me posted, will let you know if I hear anything. They sent me a text today asking for payment in full.

they can text me all they like I have changed my mobile number

marilyna

Received this from Swift Sterling today, and they have added charges

Ref: £1,095.64
£ 226.94

I have been in receipt of your email, I do need to speak directly to you in
regards to your debts.

I understand that you are experiencing some difficulties at the moment and want
to help you, however I will need to speak with you.

If you could please contact me today before 5pm otherwise I will be in the
office next week from 10am - 7pm.

I look forward to your reply.

Account Manager
084 5318 0006



Independent Advice Organisations

Free independent money and debt advice can be obtained from the following
organizations:

National Debtline – www.nationaldebtline.co.uk
Freephone 0808 808 4000
Tricorn House, 51-53 Hagley Road, Edgbaston, Birmingham B16 8TP

Consumer Credit Counseling Service (CCCS) – www.cccs.co.uk
Freephone 0800 138 1111

Citizens Advice – www.citizensadvice.org.uk
Check your local Yellow Pages or Thompson local directory for address and
telephone numbers

Community Legal Advice – www.clsdirect.org.uk
0845 345 4345

-

STRICTLY PERSONAL AND CONFIDENTIAL. This message (and any associated accounts)
is intended only for the use of the individual or entity to which it is
addressed and may contain information that is confidential, subject to
copyright or constitutes a trade secret. If you are not the intended recipient
you are hereby notified that any dissemination, copying or distribution of this
message or accounts associated with this message, or taking any action in
reliance on the content of the information is strictly prohibited. If you have
received this message in error, please notify the sender immediately by reply e-
mail and destroy any hard copies you may have printed and remove all electronic
copies from your hard drive, network or any other location where electronic
information is stored. E-mail transmission cannot be guaranteed to be secure or
error free as information could be intercepted, corrupted, lost, destroyed,
arrive late or incomplete. The sender therefore does not accept liability for
any errors or omissions in the contents of this message, which arise as a
result of e-mail transmission. If verification is required please request a
hard copy version. Messages sent to and from us may be monitored.

Northway Broker Limited trading as Swift Sterling. Company Registration No. C
36144.
Level 5 - Plaza Commercial Centre, Bisazza Street, Sliema SLM1640, Malta

matttye

marilyna wrote: »

Received this from Swift Sterling today, and they have added charges

Ref: £1,095.64
£ 226.94

I have been in receipt of your email, I do need to speak directly to you in
regards to your debts.

I understand that you are experiencing some difficulties at the moment and want
to help you, however I will need to speak with you.

If you could please contact me today before 5pm otherwise I will be in the
office next week from 10am - 7pm.

I look forward to your reply.

Account Manager
084 5318 0006



Independent Advice Organisations

Free independent money and debt advice can be obtained from the following
organizations:

National Debtline – www.nationaldebtline.co.uk
Freephone 0808 808 4000
Tricorn House, 51-53 Hagley Road, Edgbaston, Birmingham B16 8TP

Consumer Credit Counseling Service (CCCS) – www.cccs.co.uk
Freephone 0800 138 1111

Citizens Advice – www.citizensadvice.org.uk
Check your local Yellow Pages or Thompson local directory for address and
telephone numbers

Community Legal Advice – www.clsdirect.org.uk
0845 345 4345

-

STRICTLY PERSONAL AND CONFIDENTIAL. This message (and any associated accounts)
is intended only for the use of the individual or entity to which it is
addressed and may contain information that is confidential, subject to
copyright or constitutes a trade secret. If you are not the intended recipient
you are hereby notified that any dissemination, copying or distribution of this
message or accounts associated with this message, or taking any action in
reliance on the content of the information is strictly prohibited. If you have
received this message in error, please notify the sender immediately by reply e-
mail and destroy any hard copies you may have printed and remove all electronic
copies from your hard drive, network or any other location where electronic
information is stored. E-mail transmission cannot be guaranteed to be secure or
error free as information could be intercepted, corrupted, lost, destroyed,
arrive late or incomplete. The sender therefore does not accept liability for
any errors or omissions in the contents of this message, which arise as a
result of e-mail transmission. If verification is required please request a
hard copy version. Messages sent to and from us may be monitored.

Northway Broker Limited trading as Swift Sterling. Company Registration No. C
36144.
Level 5 - Plaza Commercial Centre, Bisazza Street, Sliema SLM1640, Malta

Presuming you have already asked them to keep all correspondence to writing, reply saying that Section 3.3k of the OFT debt collection guidance says:

"3.3 Examples of unfair or improper practices are as follows:

k. ignoring or disregarding debtors' reasonable requests in respect of when, where and how to contact them"

And it even goes as far as to say:

"For example, shift workers may ask not to be telephoned during certain times of the day.
Also, some debtors may request contact by email rather than by telephone."

- and you will be making a complaint to the OFT and FOS if they continue to ignore your requests.

http://www.oft.gov.uk/shared_oft/consultations/OFT664Rev_Debt_collection_g1.pdf

marilyna

matttye wrote: »

Presuming you have already asked them to keep all correspondence to writing, reply saying that Section 3.3k of the OFT debt collection guidance says:

"3.3 Examples of unfair or improper practices are as follows:

k. ignoring or disregarding debtors' reasonable requests in respect of when, where and how to contact them"

And it even goes as far as to say:

"For example, shift workers may ask not to be telephoned during certain times of the day.
Also, some debtors may request contact by email rather than by telephone."

- and you will be making a complaint to the OFT and FOS if they continue to ignore your requests.

http://www.oft.gov.uk/shared_oft/consultations/OFT664Rev_Debt_collection_g1.pdf

Thanks Mattye,

I had written to them before stating all correspondence must be in writing.

marilyna

Received from Speedloan today

Thank you for your letter requesting that we accept a lower payment towards your account.

I understand that you may have fallen into financial difficulty but I am not able to accept an offer such as this on a long term arrangement.

If you are unable to make your contractual payment your account may be passed to a collections agency for recovery, more interest may be added to your account as your balance will not be reducing and a Default Notice may be added to your credit file.

Please contact us so that we can try to help you keep to the terms and conditions of our agreement and stop any of the above.

I will hold your account for 5 days whilst we await your response, if you have any further questions please call us on 0844 4480527.

Yours sincerely

Customer Services Manager