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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Major Problems with Wage Day Advance and Hellix Limited.


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Hi All,

 

I am new to this and my username says it all. I have been thrown into a whirlwind of unwanted calls, letters and dare I say it visits and threats for a debt I know nothing about. Let me Explain. My husband received a call on his mobile phone for me at the beginning of December. The caller said he wanted to discuss a failed payment arrangement and my intentions of paying it back.We ignored the call as presumed it was a wrong number due to me not having any payday arrangements with anyone. The calls kept coming daily however early in a morning and late at night, the more calls we received the more information they gave and even went on to give personal information including addressses and account numbers. Now I know what you must be thinking, we ignored the calls so must be hiding from something, Wrong!! They were automatically blocked by my husbands phone due to not being in his phone book so we only had voicemail messages to go on. To cut a long story short it transpires that Hellix Limited are chasing a debt on behalf of wage day advance. I DO NOT and NEVER have had an account with these people. The calls went on to say I had ignored letters so they were now sending the bailiffs to my previous and currrent address. On 17th December, I received a letter forwarded on from my previous address (This is the very 1st letter I have had) I have had my mail on redirect for over a year. Now bearing in mind I still know nothing about such a debt the letter reads as follows;-

 

Dear (Surname) They couldn't even be bothered to address me correctly

 

DEBT ENFORCEMENT

We have been instructed by the above named client to retrieve the outstanding balance in full. Failre to respond to this notice within seven days may result in legal action being commenced by our client.

Please note that upon being granted a County Court Judgement, costs and interest can be added to the above amount. If this is not paid, our client can instruct a County Court Bailiff to enter your property and levy goods to the value of the above liabilty for subsequent sale at auction. Any proceeds from auction would after deduction if any cost incurred siacharge some or all of the liability.

If you are working, our client can after judgement apply for an attachment to your earmings.

 

Now please correct me if I am wrong but for a start the letter is addresses to me at a previous address so to send a bailiff would mean they are harrassing the wrong person, which they are anyway as the debt does not belong to me.

 

I contacted the company concerned who told me my account with Wage Day Advance was still open so if i logged into the website the details I need will be there. Ok So now not only has my alledged debt been passed for collection but WAGE DAY ADVANCE also hold it open, The collections office had my correct name, dob, prev address email and employer so say the debt must be mine but when I challenged the fact We were burgled only a few weeks prior to the initial debt being taken out and that I could possibly be a victim of identity theft I was laughed at.

 

I have also contacted wage day advance as I cannot log into the website like the collections agent said I would be able nor when I request a recovery email does it recognise any of my details. Why would it, the debt is not mine.

 

I have reported this the the National Crime team and got a police reference now which I have communicated back to Wage Day Advance and Hellix. I am at my witts end. They say they can prove the debt is mine but when I asked for this to be sent to me they got snotty.

 

Can these people actually do anything? Can they really come to my home and take goods? I am so stressed with it all. Also how did they get my husbands mobile number?? The only thing we can think of there is that it is from when he applied for a loan but was declined. It was one of those sites where you put your details in and the information is sent to several companies who accept or decline you but surely they can't use this information against me can they??

 

Any advice appreciated and sorry for the war and peace but i have to tell someone.

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Hi and welcome to CAG

 

If these muppets try ringing agiain, try to record their drivel. What they say on the phone they would never dare put in writing.

 

As you have been burgled it is likely you are now a victim of ID fraud so contact Action Fraud, get a crime number then write a formal complaint to WDA with that crime number and the complaint that they have not taken the necessary steps to resolve the issue when on the phone.

 

Please check your credit file to ensure nothing is on there and if there is, add that to the complaint.

 

As for court. Unlikely. Usually just a threat.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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Thank You. I have already spoken with Action Fraud, Got my reference number and passed it on to both Wage Day Advance and Hellix. I have all the voicemails from Hellix on my husbands phone which go into great details considering they cannot be sure the person they want is the owner of the said mobile number.

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All they should be saying is 'this is related to a financial matter' nothing else. If they are leaving details of the debt then (in my opinion) they are in breach of the Data Protection Act and should be included within the complaint and reported to the Information Commissioner.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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I initially thought that, especially when they quoted the address I used to live at and incidently the address that was burgled NYE 2008/2009. I am just really mad that I can be treat in such a way. If the debt transpired to be mine then I would hold my hand up and pay it but I genuinly do not recall such a loan and apparently I have had 5 since 2009. To add to the insult I cannot even get a credit card or a loan or even a current account so to have 5 payday laons since 2009 with the same company does not seem right at all.

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Read this. It will make you madder

 

http://www.wagedayadvance.co.uk/help/PDSTL_Charter.pdf

 

This is their correspondence address

 

Unit 7, Acorn Business Park, Keighley Road, Skipton, North Yorkshire, BD23 2UE, England

 

these are the 4 people that run the company

 

Angela Joyce Scott,

Dale Walter Chapman,

Donald Francis Gayhardt,

Douglas Richard Rippel.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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Yes I have had a PDL in the past but not with this company and nor would I want to. If this is how they treat people who the have no proof actually owes the debt, I dread to think how they treat their customers and suprised they have any in the first place.

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@Silverfox I have just read the Good Charter and OMG they have failed on every account. Also if they have sold the alledged debt on how can they still have it on their files and why have i never received any correspondance in 4 years. The only time i knew of an issue was the debt enforcement letter. I have had no communication from Wage day advanc or anybody else in over 4 years yet now all of a sudden I owe a huge debt. They have my email so why no correspondance???Confused is an understatement.

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Yes I have had a PDL in the past but not with this company and nor would I want to. If this is how they treat people who the have no proof actually owes the debt, I dread to think how they treat their customers and suprised they have any in the first place.

 

Did you repay this/these loans or could they have been sold on (a parent company)

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Did you repay this/these loans or could they have been sold on (a parent company)

 

Any previous loans have been paid in full. I only ever had one other PDL and it was over 9 years ago and in my maiden name. So no they can't have sold anything on and even WDA have confirmed this loan was taken out in my married name in 2009. The.mobile contact number however is a new number so we are at a complete loss.

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Any previous loans have been paid in full. I only ever had one other PDL and it was over 9 years ago and in my maiden name. So no they can't have sold anything on and even WDA have confirmed this loan was taken out in my married name in 2009. The.mobile contact number however is a new number so we are at a complete loss.

 

 

Not your problem. THEY have to prove the debt is yours. Not you prove it isnt. If you have a crime number, then the PDL can take a running jump. They should also NOT be contacting you at all for any reason until the police say so.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Not your problem. THEY have to prove the debt is yours. Not you prove it isnt. If you have a crime number, then the PDL can take a running jump. They should also NOT be contacting you at all for any reason until the police say so.

 

Easy to say Imp, but if the debt really is not the OP's and they are victims of Identity theft, the consequences of late payment markers and defaults are their problem.

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But uf its under investigation and theres a ctmrimr number, surely sny action should be put on hold and narkers removed.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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But uf its under investigation and theres a ctmrimr number, surely sny action should be put on hold and narkers removed.

 

As we are all aware, financial companies rarely live in the real world. WDA don't seem to care that this is fraud and as such will chase to get the money back. I agree they should stop all action whilst any investigation takes place but as I said, real world. :evil:

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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Holy hell that was a ton of typos. Sometimes I hate my phone

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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As for real world surely it would put them in a very bad light in court. Especially when theres an ongoing criminal investigation.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Holy hell that was a ton of typos. Sometimes I hate my phone

 

I thought you were suffering from the night before :lol:

 

As for real world surely it would put them in a very bad light in court. Especially when theres an ongoing criminal investigation.

 

 

Absolutely agree with you but do WDA do court in the first place? Helix may but I think they would be foolish to try in this case.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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AND THE SAGA CONTINUES................

Arrrgggghhhh I am getting more stressed out by the minute. Hellix are NOT backing down even though I now have a crime number. Here is the email they sent me (Certain details removed to protect me)

 

Mrs xxx

Please supply the name of the person you spoke to at WageDayAdvance as they have no record of any such call.

We can confirm that your application was on the 1st March 2010 and your repayment date was on the 31st March 2010.

The funds were paid into your NatWest account, registered in your name and finishing in the last 4 digits 5925. (That's funny I don't bank with the Natwest)

Confirmation of details was made at the time through your employer (I doubt it as I was not alowed personal calls at work)

We now require your proposals to clear your loan before further steps our taken.

Regards

Mike McEvoy

Hellix Limited

6 St Margarets Business Park

Moormead Road

Twickenham

TW1 1JN

 

Main Line 0208 891 2452

Direct Line 0203 689 1101

---------------------------------------------

Seems like I have more of a battle than I first though. This bloke also needs to get his facts right. He told me the account was still open with WDA and also that the application was made from a certain email address. It transpires that infact WDA sold the Alledged debt back in 2010 to a company callerd MOTORMILE. They said they did inform me by email but I never received such an email Also are they not suppossed to write to you with a notice of debt assignment. Not only that the account was not opened with the alleged email address it was with a different email address so Hellix are not speaking the entire truth. They are sayng that WDA have no record of me calling them about the crime reference number yet when you call there office they state all calls are recorded. Hmmmmm. To say I am a tad annoyed would be an understatement. I do not need this right now I have enough on my plate with other things none financial related FKED Off very stressed and none of this is helping me with my other issues. When I spoke to National Crime they said the Debt Collector should cease all action until the matter had been looked into. ARRRGGGGGHHHHHHHHHHHHHHHH:-x:-x:-x:-x

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While it may be a bit of a faff, can you not contact Natwest to get confirmation (in writing) that you do not have an account with them. No idea whether they will be able to assist or not

 

I would be writing back stating that you have never had an account and due to that, WDA are obviously the victim of fraud.

 

I think you are now realising the value of the written word. Phone drones are a complete waste of time.

 

As you have a crime number which you have already passed on to them, make your letter s Formal Complaint. Any collection activity must stop whilst they investigate your complaint. They have 56 days to respond after which you can go to the Financial Ombudsman.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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It wont go anywhere near court. They know they are victims of fraud, but if they admit it, then they show 100% that they dont have adequate checking procedures in place. and risk being shut down.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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  • 1 month later...

They dont have offices. They use mail redirection centres.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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