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StripedTiger

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  1. The original loan was back in 2013 for £300, it now speaking to them sit at about £6-700 with "fees etc".
  2. Hello folks, I need some advice in regards to an ongoing issue I have with UKLA: UKLA have placed a default notice on my account without any notification about this in written format UKLA have a plan in place for me to pay off the loan I have with them at £25 a month, however on a regular basis the account number changes etc and I'm left with notice of this after sending funds I've had two months of payment returned to me without any notice from UKLA why this is, they've added late fees and interest to the account while failing to contact me. I've asked for a full break down of the account from them twice but these have not materalised. What I'm looking for is some assistance with dealing with them so what I owe is paid off but they don't rip me off either. Any help welcomed.
  3. One would hope so, it's a shame this didn't come sooner while I was in a DMP, it would have helped a lot at the time.
  4. http://www.bbc.co.uk/news/business-29457044 - One wonders how this is going to affect things
  5. I believe I addressed it to "Complaints" so I suspect you are right it's been ignored by the min wagers at the bottom. I'll write up a draft and post it here later.
  6. Would you mind if I ask for a suggestion of what to write to them, they've previously ignored my letters.
  7. I've had a text and email from Cash Choice today regarding my balance with them. I've already agreed to payment agreement in Feb that started this month at £20 a month but the email states no payment has been made despite their best (HA!) efforts to ensure this happened: I've clear evidence my payment left my account on the 5th of March using FPS to them with the details provided in a text message from their company. As it's been 15 days since the payment has been made I'm surprised they've not added this to my account. Should I go ahead and ignore this email, they are only reporting on my Noddle CRA that I owe £330 not the higher amount above. Would appreciate any advice you folks could render. StripedTiger
  8. In this case giving them a quick call would be the first step, if they refuse then a letter would be the best course of action. Stay calm and let them know whats going on, I really doubt they will refuse a payment during this time, if you are off for a whole month it should be in theory two months before you have a wage packet again. Just as an aside have you considered using some holiday to at least boost what you have or have you had to drop out of work full stop?
  9. Hi, I didn't mean to imply you might borrow more money, however from my own silly experience the temptation to make a "problem" go away by borrowing more ended up in a DMP for two year so far, something I'd rather no one else went through if they can avoid it. It's good that you do want to repay and you are showing you want to make payment with the reduced amount. Hopefully once you are back on your feet again everything goes smoothly for you.
  10. I appreciate that it is personnel info, you can provide the sick note if you'd prefer. Still give them a ring, ask to speak with whomever deals with customers facing financial issues and explain whats happening, I suspect QQ and Lending Stream will be quite understanding and offer to take minimal payment for a while, while you get back on your feet, you are after all offering to make payment even if its a smaller amount than expect. In the mean time, don't borrow any more money, not only will it look like you're not being truthful with QQ/LS but it'll only end up looping back to you not being able to afford repaying it.
  11. I've defaulted on a loan with the above company after finding myself running very low on funds on a monthly basis. I had an arrangement in place for £51 a month but because of a repeated issue with them taking more than this a month I cancelled their payment authority on my account, despite this they still took payment every month which my bank reclaimed from them. At no point has CC/UA called me, emailed or sent me a letter to discuss this. I contacted them at the start of this month and made them aware that my circumstances were not good and I needed to make a much lower payment. I've provided them with a financial statement show what's going on and they've accepted it, however when I asked for my balance instead of it being £400 as I expected the amount had been risen to £609. They advised this was interested added on a daily basis from the default being declared on my account, I can make the payment I've discussed but I don't feel its right I have to pay over 1.5 times what I owe them. Is there anything I can do to get this reduced, I tried to argue that once an agreement was breached interest couldn't be added to it but they refused to listen.
  12. Call them, explain the situation and if they ask for it provide evidence of the surgery (letter from your surgeon etc). They will be understanding of what is going on, so give them a call and explain.
  13. I've used the phone to vent at them and then get them to use email only from that point onwards, it is I hope effective.
  14. Hi, Sorry to zombie this thread but there doesn't appear to have been a response from the original poster since. I've had a similar issue with Oakam, if you are still having this issue I've found speaking with Kevin Gunner, who deals with all of the debt clients of Oakam to be very easy. His number is 02088193767 and his email address which he is replying from is [email protected]. He is very straight forward and will get back to you.
  15. DX, I obtained a balance from them last month through email, along with a confirmation of my accounts outstanding balance, taking into account this months payment I should be at £120.75, they've stated on the phone that all interest and fees are frozen to both PayPlan and myself. PayPlan managed to track down the person they've spoken with, the balance is wrong in the email and blamed on a clerical error, something I've taking with a metric tonne of salt. They now claim I owe £264 rather than £120.75 so I'm now chasing this through email again. Edit - I am now working through email with Kevin Gunner at Oakam in order to get everything resolved, so far they've confirmed that they don't know their elbows from their lower parts and that my actual balance is £120.95. As for the information that Noodle has provided me they claim a "Admin error" might be at fault here. I call bull fecal matter on that and more that they are trying to sabotage me in the future credit rating wise.
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