Hi ... Ive just cancelled the CPA with my bank and ive emailed Peachy...the bank said the money might still go out,but will be put back in on the same day

I took out a payday loan with peachy and i am unable to pay it back ...so i emailed them to inform them of my situation , but the want a £50 down payment before they will set up a repayment plan....i dont have £50 to spare at the minute so i dont know what to do ...i have coppied and pasted the emails below Peachy Collections ([email protected]) Add to contacts 10/07/2014 To: Chynablu Thank you for the e-mail. As you do not have sufficient funds available immediately then please be so kind and contact us again as soon as you are able to make the required down payment and we will then be able to request the best offer from our Credit Committee. Kind regards, Daniel Erma Peachy Collections Department www.peachy.co.uk [email protected] Peachy.co.uk is the trading name of Cash On Go Ltd. Registered in England and Wales. Registered Number: 7306662.Consumer credit licence number of the creditor: 0637962. Registered Address: Cash On Go Ltd, 43-45 Portman Square, W1H 6HN, London, United Kingdom. This e-mail is confidential and the information contained in it may be privileged. It should not be read, copied or used by anyone other than the intended recipient. If you have received it in error, please contact the sender immediately by telephoning 08455576508 or by return email, and delete the e-mail and do not disclose its contents to any person. On 10 July 2014 15:55, wrote: > I would like to get this situation sorted out, but i haven't got £50 > available at the minute > > > Sent from my Windows Phone > ________________________________ > From: Peachy Collections > Sent: 09/07/2014 08:53 > To: > Subject: Re: Repayment > > Thank you for the e-mail. > > We are sorry to hear about your situation and we can assure you that > we will try to help you the best we can. > > In case you are not able to afford the payment in one go and would > like to clear you account in smaller, partial payments then we are > willing to arrange a repayment plan for you. For this, please send us > the exact date when you will be having the funds available and confirm > if you would prefer to make weekly, monthly or fortnightly payments. > We will then request the best repayment plan offer from our Credit > Committee. > > We would also kindly ask you to make a down payment of £50.00 as a > sign of good will immediately. This amount will be deducted from the > outstanding balance and this will show us your commitment towards > clearing your debt. > > Please be advised that in order to avoid worsening your financial > situation, we have now stopped trying to collect the outstanding > balance from your debit card. However, until we are able to reach a > mutually suitable agreement and until the repayment plan has been > finalized, daily interest and penalty fees will be applied to your > outstanding balance. Also, our system is automated and you will still > receive generic e-mails and text messages reminding you of your > overdue account, but we do have a note about your situation on your > profile. > > Please be so kind and provide us with the required information as soon > as possible. > > > > Kind regards, > Daniel Erma > Peachy Collections Department > www.peachy.co.uk > [email protected] > > > Peachy.co.uk is the trading name of Cash On Go Ltd. Registered in > England and Wales. > Registered Number: 7306662.Consumer credit licence number of the > creditor: 0637962. Registered Address: Cash On Go Ltd, 43-45 Portman > Square, W1H 6HN, London, United Kingdom. > > This e-mail is confidential and the information contained in it may be > privileged. It should not be read, copied or used by anyone other than > the intended recipient. If you have received it in error, please > contact the sender immediately by telephoning 08455576508 or by return > email, and delete the e-mail and do not disclose its contents to any > person. > > > On 8 July 2014 23:46,wrote: >> I am writing concerning my account at present i am unable to pay the full >> payment as my hours at work have been reduced so would i be able to set up >> a >> repayment plan as i would like to get this problem sorted out as soon as >> possible.i would like all correspondence in writing only please >> >>

Update is that i decided to return all goods i had off BAYV as i was fed up of being ripped off with there over priced goods £700 for a fridge freezer worth about £200. I had a manager turn up at my door, told him i was going to arrange to return the goods and he accused me of holding the goods to ransom. I told him about the other rep but he wasnt really bothered all he wanted was the arreas i owed. told him he asnt getting another penny off me and to take the goods. I made a complaint to Elaine Mockler and also stated that i wanted to reclaim the insurance and cover but didnt get a reply or refund. Im just glad to be rid of this company!

yes they do.....I'm just glad to be rid of them now

Despite me informing you when i will be able to pay my arrears both on here and via personal message on facebook and you knowing theres a problem your representative called yet again today. i was out when he called so he pushed a card through the door, i will be keeping these cards as evidence. So i will be emailing Elaine Mockler.

All this could of been avoided if you had just given me the 2 weeks to pay the arears on my account. I have been looking for my contracts, but have only found 2 out of three.1. I will not be returning any goods as i have paiding on the goods for a while2. I would like to cancel my all sorted on all three items and reclaim all payments as it was automaticlly added. As for the insurance i will be seeking legal advice about this as it says on the contract if choosen, well i wasn't given a choice. i either took out the insurance or i wasn't allowed to have the goods. If this can not be successfully resolved i will be talking to trading standardsI have kept copies of all coversations i have had on facebook with your represetative.

I have been in touch with Buy AS You Veiw via personal message on face book and have been told that their representative will continue to call untill i clear the areas. i have told them three times now i can't pay anything else for 2 weeks would this be classed as Harassment ? I wouldn't mind so much but i have my 73 year old dad living with me and on Wednesday the representative had a rant at him because i wasn't in.I've replied to them telling them i will make a complaint to Trading Standards and i will also be emailing Elaine Mockler.I have the insurence and the all sorted which i said i want to cancel and reclaim the pnly thing with this is that the fridge freezer i had off them broke down and i had it repaired so i have claimed on the all sorted.Dont really know where to go from here as right now i can't even watch my own TV as i cant afford to put in £15 a day.

they have been on recently i have seen them post

Thats ok because i have a problem with Buy As You Veiw not Brighthouse

Your company is a joke. I've been a customer for nearly 2 years and never been late with my payments untill this Monday when my meter was short. I told your collector i couldn't pay the shortfull but would pay it by debit card in a couple of weeks but that wasnt good enough. Not only did your collector nearly knock my door down when he came back on Wednesday he started going off on one and said if i couldn't pay he would remove my goods, which you can't do without a court order andhe also said i have a lot of things off you which i dont as i only have 3 things and one of those is nearly paided for and now you have gone and taken all my hours off my meter and changed my veiwing from 5 hours to the pound to 1 hour to the pound which means i have to put £15 in my meter a day which is stupid as i only have to pay £23.50 per week and there is no way im putting all that money in. if this isnt sorted out i will take this further. I wouldnt mind so much but i offered to pay what i owe when i have the money.Then today your collector returned again after already being told twice that i couldnt pay any more this week, this time he knocked my door so loud my next door neighbour heard him and had to come out to tell him no one was at home . i certainly wouldnt recommend you to anyone now.

Yes it's reducing Had a £400 loan credit charge £304 total total repayable £704 and as of the 10 april i still owe £459 as thats when i got my last stament from them

I took out a loan with greenwoods a couple of years age when i was working , not long after i had taken the loan out i became unemployed so i spoke to my then agent and agreed to pay what i could afford, this year my old agent left and i got a new one. i have still been paying the reduced amount up until tonight he hasn't said anything, tonight when he came to collect my payment he told me head office has had a word with him and i need to up my payments. He said if i don't pay at least £10 a fortnight he'll stop calling and they will send someone else , he also said they would take me to court and the bailiffs would be involved. i told him there's no way i would be paying £10 per fortnight and they could take me to court if they wanted to after i said that he seemed to change his mind and ask what i could afford to pay, so i told him the amount and he said he would talk to head office and see what they say .I'm just wondering if i should write to head office myself stating the amount i will be paying,.I haven't received anything from greenwoods in writing about my payments being behind so not really sure what to do.

Just wondering what would happen if you just cut the plug off your own telly so its no longer attached to the payment meterwould that still be classed as criminal damage? as the meter will still be intact

The agents call every 8 weeks to empty your coin meter .......I've been with BAYV for about a year now and never had a problem with them ......They have always come out when i've requested a service call, At the beginning of this year i had to have someone come out nearly every week for 3 weeks as my meter started playing up and they always came out when they said they would.

No its attached to the telly ...lol