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Spiral123

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  1. First thing is dump the DMP if they are charging, as probably the first 3 months will go directly to the DMP, making your situation worse rather than better. There are free ones out there like CCCS (may have changed name recently?) and Payplan. Secondly list all your PDL's and how much you owe each currently. Some will be easier to negotiate with than others. I personally would not contact them in advance as the chances of some or all of them "raiding" your account will increase. As regards cancelling your card, you will also need to leave with your bank a letter to tell them to cancel continuous payment authority with each of the PDL's, depending on your bank some will try to fob you off that they will be unable to do this. Hand deliver this to your local branch so in case you are raided by these parasites you have something to fall back on as regards to claiming a chargeback.
  2. All you owe CFO is Original Loan plus one months interest plus 1 default charge, reasonable amount not extortionate, say £12, less any payments made against loan not including any rollovers paid. If still balance owing after calculating, offer them a payment plan you can afford over x amount of months. If they refuse, keep emailing them the offer, at least it shows you were willing to settle the debt if it ever comes to it.
  3. First of all have you contacted your bank in relation to CFO raiding your bank? If not do so immediately as this was an unauthorised transaction. How much did they take? these low life are doing this willy nilly and need to be stopped (took £175 from me but after a long fight with my bank I eventually got money returned after about 3 weeks.) Write to CFO with a final response letter asking them to pay back unauthorised transaction, as you have to give them 8 weeks at least to respond bofore taking it to FOS. ( I know they will just laught back at you, but needs to be done.) Report CFO to all the relevant authorities FSA etc... as these cowboys need to be stopped and the only way is to report them and hopefully a case can be built against them. As regards Minicredit/OPOS, pay them the £76.50 as agreed, when you can afford it, as hopefully you have an email/letter confirming full & Final settlement and let them whistle for the rest.
  4. Thanls for replys people, was just peeved at time. A simple please contact such & such re personal matter would have sufficed, rather than a scare tactic debt collection approach from a supposedly "professional" Estate Agents.
  5. A few months back I was in arrears for one months rent. The letting agents were really aggressive and when leaving messages with reception at work, they told them that for me to call them as it was due to outstandiing rent money owed! this happened on at least 3 occassions to 3 different members of staff. I wrote an email regarding this breach in data protection etc... I still have not recieved a reply not to mention a sniff of an apology. Who can I complain to about their behaviour? Am I able to seek monetary restitution for slight on my character ( I work in a financial institution, so not good for my character that they let some of my co workers know I was in rent arrears).
  6. Whatever you do, never give them your debit card details or they will more than likely raid your bank account. Only pay them by standing order/bacs or faster payment. Loan plus one months interest only per OFT guidelines, all their other charges are scandalous to put it mildly.
  7. Doesn't surprise me about these cowboys, fair play to you coming on and showing their practices, which in all honesty wouldn't surprise anyone who frequents these forums. I would only put minicredit ahead of these guys as worst of the sector in general.
  8. Jeep, as you no longer work for them, ever thought of being a "whistleblower" to the OFT?
  9. Scare tactics that they all employ. As Bombay says post up who the loan company is and the original loan plus interest. This is all you owe them. Have you attempted to set up a payment plan that you can afford? Then get the phone harrassment letter off to them registered post.
  10. Right Manuka, post up the 2 payday loan providers, capital recieved and one months interest first + 1st default charge (at a reasonable not extortionate amount). then let us know how much you have paid from each loan and what they are claiming is still owed. It appears that you are cleared of the loans going by your earlier post, FOS has given instructions that capital plus one months interest plus a standard default fee are all that are due and all other fees etc.. are unjustified as the loan is only for 30 days and thus if loan is not paid within this time frame it has come into default and thus all their exbortitant fees & charges are null & void. It appears they are hoping you are a "cash cow", wouldn't be surprised if the 2 lenders are CFO and minicredit.
  11. There are many similar minicredit threads here to your predicament, so best to read through them for tips. They are one of the worst of a bad bunch to deal with though by all accounts. Someone with dealings with them will be along to advise.
  12. Your money appears secure, but make sure all this is in writing from Halifax in case you need it for back up at a later date in case your account is raided. Only pay payday companies by standing order, as you are in control, pay your capital recieved plus one months interest to clear debt. How much are the 2 loan companies claiming you owe them, what were the original loans for plus first months interest? There are lots of similar threads here, so peruse them for additional advice in the meantime, more knowledgavle caggers will be along to help you.
  13. Yep, per Nao, keep paying them what you can afford monthly, they are fishing looking for your bank details, I assume you have a reference when paying them, this is all they require. Horrible outfit this lot, pay off capital plus one months interest and let them whistle for the unfair charges.
  14. Yep low priority creditors, pay them only what you can afford, not what they want you to afford.
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