Payday Express Response to Statment of Account

g1999

Hi all

thanks in advance.

So Ive sent off few requests to ask for a statement of account of payday loans, all of them responded pretty quick with the info.

However payday express have refused to give me an SOA and quoted the below - any ideas?

"This account currently has no sums due or payable. Therefore, we have no current obligation to provide a statement of account under Section 77 of the Consumer Credit Act as per Subsection (3) of Section 77 which states that the requirement under “Subsection (1) does not apply to – (a) an agreement under which no sum is, or will or may become payable by the debtor.”

[Deleted User]

What ideas do you want?

They are saying you don't owe them anything. Do you feel you should pay them something?

g1999

im asking for a statement of account... so any ideas on why they wont give me one and how to get one.

[Deleted User]

They won't give you one because you don't owe them any money.

g1999

you're a bundle of help arent you. if only all forum members were this helpful.

[Deleted User]

How else do you want me to answer?

You have asked why they won't send you an SOA.

I have told you that they won't send you an SOA because you don't owe them any money. It says so in their reply to you, which you quoted in your OP.

Which part of 'it's blindingly obvious' are you struggling to understand?

StopIt

If this is relating to a complaint, you can send them an SAR (Subject Access Request), asking for all data they've held on you, which should include all loans etc.


It costs £10 to do this. https://ico.org.uk/for-the-public/personal-information/

g1999

thanks Stopit. Hey zx81, maybe you could have said something like stopit? things might have worked out better between us.

[Deleted User]

My bad. I was following the words in your post.

If you want a SAR, ask for a SAR.

AndyPix

g1999 Welcome to MSE but there is no need for the attitude .


You answered your own question in your original post .
You quoted the CCA , and that was the reason why they wouldnt send you an SOA so your question didnt make sense.


Had you mentioned a subject access request then im sure zx81 would have provided you with relevent information

g1999

Thanks AndyPix. Your concerns about my attitude are noted. and filed away.:hello:

i dont even know what a subject access request is mate. thats why I said in my following post the ideas i was referring to was how to get a statement of account. I mentioned Statement of Account, I just wanted a list of loans I had for my records.

Stopit seemed to get the idea pretty quickly.