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paydayfool

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  1. So I emailed them and said and the reply I had was basically the same as before plus some 'getting advise' statements Im a bit stuck..... shall I file the complaints and let me the FOS and OFT look into this now?
  2. Hello, Peachy emailed me today stating the following; What would be the best way to reply to them? Im at a loss...
  3. Here is the email; Since you have stated that you are not able to make the payment in full, we have been willing to arrange a repayment plan for you, so that you could pay the debt off in parts. We have even been willing make the repayment plan offer to you without the required evidence of change in financial difficulty and the respective income and axpenditure sheet. However, as it is with all other purchases - in case you wish to pay for something in parts and over a longer period, the total amount to be paid, will be higher then the amount you would need to pay if you would make the payment in one go. As previously explained, there will be no penalty charges added for the overdue time during the repayment plan period, however a small daily interest will remain (because the funds that have been issued will be returned over a longer time period) and thus the total amount of the repayment plan will be higher then the current balance. It is the same with all purchases that you wish to pay for in installments. We have no obligation to arrange 0% repayment plans. This has been our best and final offer.
  4. Hello I am talking with Peachy to setup a repayment plan. I took the amount due and split it over 10 months so it's affordable whilst I pay for a council tax arrear that has surfaced from 2 years ago. The counter offered with a 12 month plan adding a 1% daily interest rate adding over £200 to the total, can they do this? I thought it was the loan plus original interest they could charge? Any advise would be greatly appreciated. Thanks A foolish man
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