Sorry to hijack the thread, but I'm in exactly the same situation. Took out a loan with textloan in August 2010, ended up defaulting and was sent a poorly worded notice of default at the end of August 2010. It was then passed around various DCA's and then everything went quiet. However, as is the case with the OP, I've been sent a default notice by email yesterday giving me 14 days to pay the balance or they will register a default on my credit record. Surely they cannot register a default 4 years after the account defaulted?

In my experience it's highly unlikely that any payday loan company will mark your credit file. I had to negotiate repayment plans with : uncle buck, payday express and payday UK - there is no mention of any of them on my credit file at all.

I just forwarded the same email three times a day every day for around 3 weeks

PDE finally relented today and have accepted payments of £50 per month. It took weeks of emails though!

Woah! I'm sorry but if that was me I would rather have a CCJ than pay those vultures £1000 without fighting it. I would stick to your guns and tell them you will agree to pay no more than £750. The experience I've had with debt collectors so far is that they will soon get bored and pass it on.

Companies are Payday UK and Payday Express. To be fair PDUK were reasonable. Accepted the monthy payment plan and agreed that total to be paid is the loan amount plus one months interest. All of this was arranged by email. They initially kept asking me to call but stand your ground and insist on everything in writing. Took about three days to arrange via email. Payday Express are turning out to be a pain. Have ignored my emails for over a week and added £105 in charges. Finally got a response today and they want me to give them a breakdown of income/expenditure before they consider my offer. They have no chance of me sending this information. Think I'm gonna have to tell them to pass me to a DCA or start court proceedings. Credit rating is pants anyway so a CCJ doesnt really bother me. Not that I think it will come to that.

How much was the original amount borrowed?

Emmmm yes and no. One of the companies has accepted £50 a month and is adding no extra fees. The other is ignoring emails and has slapped on £105 in charges so far - which I'm certainly not paying. I sent them a letter via recorded delivery today stating that if they won't enter in to a payment plan they will have to take me to court. I'm sure a judge will look favourably on them ignoring a perfectly acceptable payment plan

That's why I thought I'd go in hard from the off with my email on the other thread. No use threatening them with the ICO, OFT, FSO etc after they have made you look like a chump. hmmmmmm

That's a fair point, but remember you don't have to tell your colleagues the truth. Tell them the company have got it wrong and your solicitor is dealing with it

Thank for the advice. I'm starting to agree it's too confrontational I think I'll tone it down and save the hard ball for later

They are NOT allowed to disclose details - see my edit above Also are you sure it sends it to the switchboard? I've just tried phoning my desk phone with it unplugged and it doesn't.

Anybody? Reckon it is too confrontational? Should I tone it down?

Why not just unplug the phone from the wall when you're not at your desk? That's my plan as from tommorow...... Edit: also if they did leave a message with your colleagues, which revealed that you owe them money, then report them to the ICO!

Hi All, I'm about to default on two payday loans tommorow morning. I intend on sending both companies the following tommorow morning: REMOVED - things are getting rather heated with one of the companies and I don't want them identifying me on here. I'm wondering if any of you think is the email above is too strongly worded for the first contact after default? Cheers!