Hi All,

I'm no saint an fell into arrears with a payday loan with the subjected company. I'm not disputing that i owe them their money but want to see if anyone can clarify if there charges are enforceable.

In my contract it makes no mention of the following comments made in my most recent correspondence so does this mean they can't be enforced?

"you have also incurred a charge of £75 for a letter before action fee, as well as an additional £75 for your account being passed to our litigation department."

If i'm engaging with said company in regards to settling the balance are they able to say the following:

Your balance of £500.39 will only stand as of today’s date, this may increase due to any additional court fees added onto your balance. Please note the courts will never make you pay more than what you can afford, if you want to go proceed with one of these payment options please provide the most up to date card details for us to take payment.

As most have said, they are unprepared to acknowledge StepChange which i have several agreements in place. I don't understand why they seem so hell bent on obtaining a court order to have this repaid when all my others have been happy to agree to what StepChange and i have been able to sort.

I don't mind paying it off, fortunately i'm in the position to do so but i just wandered if i have a way, with the fee's mentioned above of disputing and having them removed?

They'll do £509.39 over 10 monthly payments or £425.33 at 85%. They also recently sent a DPA form to my employer. I'm assuming in conjunction with obtaining an order for an attachment of Earnings.

Any thoughts would be appreciated.

Those fee's are penalty fee's.

Also what do you mean they sent a DPA form to your employer? They should NOT be contacting your employer at all.

Those fee's are penalty fee's.

 

Also what do you mean they sent a DPA form to your employer? They should NOT be contacting your employer at all.

They sent a request to my employer asking to confirm if i was still being employed by them. My operations manager received the request asking whether it was credible and if i was happy for her to return it.

Thanks,

As long as thats the only thing they asked, then thats ok. They are simply confirming details on your application. Although if you were already accepted and in receipt of the money, they should not have sent the letter anyway.