Jump to content

clarkyac1

Registered Users

Change your profile picture
  • Posts

    13
  • Joined

  • Last visited

Reputation

1 Neutral

1 Follower

  1. Hi everyone, just thought i'd let you know I received a reply from trading standards, my complaint has been passed to the duty officer for pursual. So we know that at least one local trading standards office are investigating.
  2. Hi, received an email from marstons today with an apology, its says sorry for distress and inconvenience caused. I suppose this is all that they will do. I understand if i did want to take marstons to court and claim damages for distress caused to myself that i would have to send a letter advising them that i will be taking them to court, in the letter i must outline what action they must take to prevent such action, what could be put in this letter, anyone have any advice?
  3. Sound like a good idea, i'd like something from them, how dare they disclose my email address and the fact that i have a debt with them to over six hundred people. They can not get away with this. I have reported to watchdog too. Is this matter something for which we could claim compensation for, if so how would you go about doing that?
  4. You can find contact details for your local trading standards at Trading Standards Central - Trading Standards and Consumer Protection information for the UK there is phone numbers and email addressess. You can also complain by going to directgov website. If enough people complain about this i think there is a good chance serious action will be taken about this company.
  5. Make sure you contact the information commissioners office, your local trading standards and the OFT. I have said in an earlier post that i reported this company to trading standards a few months back, i was advised by Hannah who is the rude advisor who used to call me that they have been advised by their solicitors that they can fast track accounts to bailiffs and they can attend my property without a warrant. I called trading standards and they said its a breach, if anyone else has been told the same by wonga please please inform trading standards and get something done about this outfit of a company. In any case please report the email to the relevant authority. I have the email address of the collections manager at wonga, his name is John Hegarty he works at quickbridge which is the company behind wonga.com and his email address is [email protected] he emailed me to apologise about what their collections advisor was saying about marstons not needing a warrant. So if you need it then use it.
  6. Hi everyone. I also received the email, both of them, i realised straight away that they had messed up big time in including all those email addresses how dare they. I have complained to trading standards about this company a few months ago. I had a telephone call from them a rude woman was shouting me down and said very expressedly that wonga.com solicitors had advised that they have a right to send bailiffs to my address and seize mine and my familys goods, she was adamant. I complained and received an email and had coversations with her manager at quickbridge which is the company behind wonga.com, i have an email to apologise for what was said. I reported to trading standards who said they would investigate although i never heard back, they said if they had done it before they would have a quiet word but if they had done it before more serious acton could be taken. This company is the worst i have ever dealt with, i owe them £719 for a loan of £300, they have refused cheques from payplan and are the only creditor not to accept. My sister took a loan of £300 for the same amount of time as me and her balance is only £430, how this can be is totally beyond me. If anyone could help answer how that could happen could you post for me, thanks. I will be reporting the email i received to all who need to know.
  7. Hello ukaviator, thanks for the reply. I took the loan online, applied for and signed the credit agreement online although i do not have a copy of it. I called them today to see if they will send me a copy but the girl who has been dealing with me previously answered the phone. I requested a copy of my credit agreement be sent to me and also enquired about the interest that is still being applied, she advised that as i had previously made a complaint about her she will no longer deal with me and said i have to wait for the person who now deals with my account to come in as he was not in untill the afternoon. I contacted consumer direct by telephone and they gave me the telephone number for FSA, they advised i need to speak to OFT who advised me to write a letter to them about wonga.com and what they have been doing. I did advise what you have said about the unfair trading guidelines and they said i should write a letter to them about it which i intend to do. In the meantime i logged onto my account with wonga.com today and my balance has gone up again. I'm in despair with this company, they know i can't pay and payplan are dealing, they have issued the default notice which said they will pass it to a DCA or start proceeding in the courts if i didn't pay by 6th August but they have done nothing, just keeping the account and accruing interest all the time at an apr of 2334%, i have begged them to stop and take me to court or pass the debt on but its falling on deaf ears, in a few months time i will no doubt owe nearly a thousand pounds just for borrowing £300, so far i owe £330 extra in interest charged and its going up daily. I don't know what else to do, any of the regulatory bodies don't seem to be able to help with individual cases so all i can do is sit back and watch the balance rise up and up and up, i think they want it at a certain level so it will be worth taking me to court either for a CCJ or bankruptcy, surely this can't be right. I simply don't know what else to do now other than reporting them to regulatory bodies, and they are not able to help me individually. Sorry for going on with such self pitty i realise its my own fault for being in this situation but i'm just angry and feel helpless now.
  8. Thanks for the reply silly girl. I have already got a new bank account and they have stopped trying to take the money. I thought the same that they would not want to make me bankrupt. Do you know if it is legal that they are still whacking the interest onto the account daily after the default notice and the fact that they have said that if i didn't pay by the date on the default notice my agreement would be ended? I assume that if they have advised this how can they still be charging the interest under the agreement when it has now ended. Also why have they not taken the action outlined in the default notice? Is it still all legal what they are doing. If they keep the account with them for much longer then it will no doubt be over £750 anyway and in that case they could start proceedings. Is there any way i can force them to transfer it to a DCA or take me to court and get a CCJ issued? Surely this can't be right them keeping the debt and making me accrue all of the extra interest. I am sure that if the default notice is a legal document and it states that if i didn't pay the debt by the date on it and they advise the agreement would be ended from the 5th August it is unlawfull for them to keep adding the interest as they are not doing what they have stated. They advise that the agreement would end on 5th August, does that mean that any interest that has been applied after this date is unfair? Thanks once again.
  9. Just one more note. I have received the default notice on 23rd July advising that i need to pay £528.56 by the 6th August 2008, if i don't pay they will consider my agreement is terminated and i will not be able to borrow from them again. My account will be referred to their solicitors or a DCA. Alternatively where the debt is great enough they will instruct solicitors to commence bankruptcy proceedings against me. And stating that all of the above actions will involve additional costs of at least £45 which will be added to the amount outstanding. If my agreement was to be considered terminated from that date do they still have a right to keep charging the interest? And why have they not took the action outlined in their default notice?
  10. Hello peeps not sure if i'm posting this in the right place but here goes. In May i took out a payday £300 loan with a company called samedaycash, now changed its name to Wonga.com. I couldn't make my payment of £388 due on 20th June, i called them to advise of this and they said if i can't pay i will get a default on my credit file and a £40 fee would be added for this which they applied 3 days after my payment due date. They advised then that the debt would be passed to their collections partner although they kept trying to take the money from my bank account every 3 days for a month, the money was not in my account so they did not get paid. They still have the debt and have not passed it onto a DCA. I have since started a DMP with payplan and they are aware of this. Interest is accruing daily on the loan at a rate of 2334% apr, the amount is now at £630. I have begged them to pass it to a DCA or start legal proceeding in the county court but nothing is happening, they have been in touch asking for payment and i have told them numerous times i am with payplan, they just say it will be sent to court but give no date. This is really worrying me now as i don't know how long they intend to keep adding the interest, i'm thinking that they want to get it to a certain amount so it will be worth their while taking me to court. It could be a thousand pounds by that time just for an amount of £300. I have advised payplan of this and they just say contact the CAB. Can anyone advise me what to do, if i can force them to take me to court and stop interest or send it to a DCA or can i claim these charges back as unfair interest, also the £40 default fee for passing it to their collections partner when they still infact have the debt. I'm at my wits end with these people i've had nothing but grief, rude people calling me saying they are sending bailiffs without a warrant as their solicitors have advised them its ok to do so, i have since had email from their collections manager as i sent an email making clear that what they were saying was complete rubbish and misrepresentation, the manager confirmed that the advisor was speaking bull. The main thing i need help or advice with is this extortionate interest. Please can someone help. All help or comments are greatly appreciated.
  11. Hello guys only my second post on ere i'll try my best to get to the point. I have just entered into a DMP with payplan after debt spiralling out of controll due to payday loans. I have quickquid, samedaycash, paydayuk and payday-express, also included natwest loan, 1st credit, tmobile, and welcome finance. Not had to much hassle from them so far but am really worried about samedaycash. My loan in full was due for my payday and i couldn't pay it due to rent, food, gas etc. I called sameday and told them this and asked if i could defer all of it till my next payday and got a resounding no, they wanted 25% of balance and i didnt have it, they tried to collect it from my bank when it was due and then again 3 days after as i was advised then got an email to say the second collection had failed, they charged me £40 default fee and interest has took my balance to 500.00, i borrowed 300.00. They said would send my account to a collections partner. Since that every 3 days they have attempted to take money from my account and obviously been declined due to no funds. I have asked why they are trying to take it when it has supposedly been passed to their collections partner and they say its because i have an outstanding balance and as long as i have they will keep requesting the money. I have since advised them that payplan are now dealing with it and whilst talking to an advisor of theirs i was called a serial defaulter because now i've gone to payplan she said i must be one, she also said that bailiffs will be calling to seize my goods, i told them that i have none and the only goods in the house are my mums and also told them what payplan advised that they can't seize anyones but my goods and mine alone and that they would need a warrant from the courts to seize my good. Hannah the advisor told me this is untrue and their solicitors Morgan Cole have advised them that they can do all of the above and will be sending Drakes Bailiffs. This lady was not a lady at all she kept shouting, wouldn't let me speak, she said i had committed fraud by taking the loan knowing i wouldn't be able to pay back so would also report me to CIFAS. Its not true that i committed fraud as i had 4 loans with them previously and paid all back but she was having none of it, did not seem to want to listen and wasnt prepared to accept anything i said. I did send emails asking them to send it to a debt collector as they would be more likely and willing to accept offer of payment, also asked if i can have a copy of my credit agreement as i didn't remember ever seeing one, all of my emails were ignored so i sent an email saying if somebody gets in touch i will pay my balance and i received the call about an hour later, which proves they were ignoring my emails and this is when hannah the advisor Threatened me with the bailiffs. They have told me that they will block my DMP by not accepting the offer and told me to get payplan to call and she will tell them the same. This company has got my back up so much and i was shaking with anger when she was talking to me like a piece of dirt. Can anyone tell me if they can send bailiffs and can they seize my mothers goods? Also can anyone give me any advice about them blocking my debt management program? I have looked everywhere for info on here but not much about this company. I have read about bailiffs and think i am correct on this but they seemed adamant that the bailiffs can seize my goods and enter my home without going to court and she suggested i go and read a bit more. I am at my wits end with this company and a little scared. Can anyone help with any info on all the above. Sorry if i have gone on so much.
  12. Hi spamhead thanks for your swift reply. As far as i know it hasn't been passed to a DCA as i moved from the address when Mercers were still sending letter and i know they are part of barclaycard. In light of this and the fact they still update monthly do you still think the default will still fall off my credit file 6 from the date of default? Thanks
  13. Hello this is my first post on here. Straight to the point. I had a barclaycard which i defaulted on in May 2005, my credit report shows the default as 05/2005. I have not made any payments on this since the default. My question is why do barclaycard update my credit file each and every month although the account has alreay defaulted, i was under the impression that once i had defaulted they would have no need to update it. Will this stil fall off my record 6 years from default if they are still updating?
×
×
  • Create New...