Let me tell you about my experience with andrew hart 60quid loan - repayed about £500. he still wants money. few month ago he was willing to accept £100 to end all. i told him i wanted a letter stating it was in full and final setttlement. and that before i agreed i would have a solicitor read through. He went quiet. Today he has just poppped up. even tho i have continously sent emails asking whats happening etc...he emails me today as if ive completley ignored him for weeks ggggrrrrrr he tried to add me on facebook, to which he was deleted and blocked he is a very arrogant and horrible man that thinks he can scare people. how ever this arrogance is digusting and he does not co-operate at all. i have all email proof. so i say, take me to court. i have paid alot of money to him inwhich i can prove

sod it he not having a penny. i will go to court anbd say i did not feel i cud trust him x

yeah i need him to put it in writing x

he is not saying i can clear it all for £100not sure what to do

What do u mean sorry? i dont uder stand y ur saying sorry x

he wanted 2grand off me the other week. so i can see why people wud pay him when he reduces it to 372! biggg difference! but both still unreasonable

Well i know he has done it will people before on here, set up repayment plans and then started throwing on further charges if he refuses the written contract (which i hope he does) i would want, it will look better for me in court

it works out at 372. I have already paid around 300-450 for a £60 loan I have advised him i am going to think about it for a couple of days, but if i do go ahead, i want a contract stating if each payment is made there will b no more charges, and no interest etc....

he is now offering me a repayment plan? what you guys think? pay or accept court?

thank you every one. i hope i can get this resolved. he is a horrible man and advise anyone against trading with him again x

I dont have a stable living situation at the minute, and if they needed a postal address i couldnt provide one

i am going to pursue it with financial ombudsman. i never ignored his emails, obv i never got any post mail as id left the propertyWhen i tried to make a complain with payday overdraft, andrew hart said this is my company so tough basically. i cant complain about his vile nasty attitude. He talks to me like something off the bottom of his shoe. he doesnt answer my questions just says court action court action. he's a vile man

Well i will fight it all the way. i made payments whenever i could, i did contact him, i have emails to prove how many times i chases him for a breakdown. i have a breakdown but it doesnt show my payments. its as though he ignores them! luckily i have emails confirming he recieved payments.

Hello. i obtained a loan through andrew hart/payday overdraft. However in the same month i became homeless and unemployed. i explained my situation and advised i would pay the debt asap. however i did break my repayment plan. i understood i would have charges and asked if he could just freeze them and when working i would make proper payments. i got a job and in total have paid between 400-500 to him. however i felt this was enough. but andrew hart has now said i owe him over 2grand. I stopped making payments and asked him to provide me with a breakdown of why i owe more. i sent him countless emails asking for this, he ignored them all. eventually he responded with a breakdown, which is ridculous!!He is now threatening court action, AGAIN. i dont have a good credit history, but my other debts are all with nice payment plans, charges frozen and its great im clearing them all. How the hell is it good to charge some one a further 2k, on top of the near £500 i have paid, for what was a £60 loan? Any advice would be great. ThanksRachael