Hi all..

received an email this morning from what i believe is a paydayloan company...

Ive requested further info and now have gone from being threatened with court action to being threatened with the police...

Quote

 

Forwarded conversation

Subject: last effort to contact

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

 

From:hartinvestments

Date: 4 March 2011 11:00

To:hartinvestments

 

 

Good morning,

 

I have sent you all letters this week about your debt with us.

 

 

PLEASE DON,T IGNORE. THIS IS THE LAST STAGE BEFORE COURT.

 

 

Can I please ask you to get in touch as soon as possible to stop the interest charges going on and charges.

 

 

If we agree a payment plan I am prepared to FREEZE the charges and interest NOW if we can agree.

 

 

 

 

Please accept my apologies if I have sent you this email if we have already agreed and you have paid.

 

 

Please speak to me directly as I am now handling your loan account.

 

 

I am looking forward to solving this and working together with you.

 

 

Please note that court charges are the following if we have to proceed.

 

 

our costs 95.00 stage one court

court fee 35-90

our fee 95.00 stage two court

court fee for attachment of earning/bankruptcy 100-750

 

 

 

Manager

 

For and on behalf of Payday Overdraft.

 

 

----------

From:

Date:

To:hartinvestments

 

 

Once again, I will state that I have no recolection in dealing with your said company.

 

Hence why I asked your self to provide a signed executed agreement if there is one.

 

Your comments below have been noted, as well as my previos email to yourself requesting proof.

 

You BOLD coulourful writing and threats of court can be classed as a form of intimidtion.

 

I am asking once again, please provide signed proof of this, to my home address - of which you should have on file, if I have delt with your company.

 

Regards

 

 

----------

From: hartinvestments

 

 

Good morning,

 

we had a loan application from you to payday Overdraft for £200.

 

 

we gave you 100.00 to your halifax account on the 1-1-2011.

 

 

you have failed to pay us back.

 

 

You are a homeowner and have a car and live in xxxxxxxx and work for xxxxxxxx.

 

 

If you are denying the loan I must go to the Police immediately to report fraud.

 

 

Please come back to me by return.

 

 

 

 

----------

From: xxxx

Date:

To: hartinvestments

 

 

I do work for xxxx,

I do live inxxxx, and sort of own a car.. but im not a homeowner.

The account has not been used since mid Jan when a substantial amount of money was taking out of my account with out my authorisation.

 

Can you please supply your FULL company details, as I will need to check my records of back deposits - as 1st Jan is a bank holiday..

 

----------

From: Change of email address here to end with paydayoverdraft.com

Date: 4 March 2011 11:44

To:

 

 

i will give this till 5pm then i must disclose the allegation to the police.

 

 

Account Manager

 

 

For and on behalf of Wage Payment and Payday Loans Ltd.

 

Disclaimer:

Internet communications are not secure and therefore Wage Payment and Payday Loans Limited does not accept legal responsibility for the contents of this message. Any views or opinions presented are solely those of the author and do not necessarily represent those of the Wage Payment and Payday Loans Limited family or companies unless otherwise specified stated. This email and any files transmitted with it are confidential and solely for the use of the intended recipient. If you are not the intended recipient or the person responsible for delivering it to the intended recipient, be advised that you have received this email in error and that any dissemination, distribution, copying or use is strictly prohibited. If you have received this email in error please notify the sender and then delete the message and any attachments from your computer. This email has been scanned for all known viruses, while the sender has taken every reasonable precaution to minimize risk, we cannot accept liability for damage which you sustain as a result of software viruses. You should carry out your own virus checks before opening any attachments to this e-mail.

 

 

 

 

 

----------

From: paydayoverdraft.com>

Date:

To: e-mail

 

you signed your loan agreement on the 17th january and made more than one application with us which has now all been added to your file.

 

 

 

 

 

----------

From:

Date:

To: paydayoverdraft.com>

 

 

Money paid into an account 01/01/2011, but the agreement was signed the 17th?

 

As you have stated I there is a loan agreement then I am making a formal request for a true signed agreement for the alleged account under consumer credit Act 1974 s77/8, which you will understand is perfectly in my rights.. police will only confirm this, as will an English Court of Law.

 

Please supply me with your company details including registration number with the FSA and also your registered business address so I can confirm my request to you in writing and include the statutory £1.00 fee.

 

Have I done right with my responses?

This appears to be the company:

Wage Payment & Payday Overdraft Ltd and its website is here.

Here's their consumer credit licence details:

Licence Number:0633083

Licence Status:Current

 

Current Applicant / Licensee:

 

Business NameCompany Registration Number Wage payment and Payday Loans Limited7080688

 

Categories:

 

Consumer credit Provision of credit information services, excluding credit repair

 

Right To Canvass Off Trade Premises:No

 

 

Trading Name(s) (Current):

 

Doshloans.com Paydayoverdraft.com Wagepayday.co.uk

 

Issued Date: 13-Jan-2010

Date Maintenance Payment Due: 12-Jan-2015

 

 

You've done everything correctly, except that for your statutory request for the agreement to be valid you should submit it with the fee, but I don't think you need to do it anyway at this stage.

I'd report the facts to the police yourself, and then send the company something like this:

Dear Sirs

 

I refer to your emailed demands for payment and threats of legal action dated (date/time of each email). I do not acknowledge any debt to you or any company you claim to represent.

 

On (date) at (time) I confirmed by email that I had never entered into any loan or other credit agreement with you. It should be obvious from this that I dispute that I owe you any money. As holders of a consumer credit licence you are obliged to comply with the Office of Fair Trading's guidance on debt collection, which is quite clear that failing to suspend collection activity when a debt is disputed amounts to unfair trading.

 

For the avoidance of any doubt, take notice that I formally dispute that any debt is owed by me to you.

 

Should you decide to initiate legal proceedings, they will be robustly defended.

 

If you consider that a crime may have occurred, and report same, I will be happy to co-operate in any police investigation. Because I am concerned that I may be the victim of fraudulent activity, I will be reporting the matter to the police. To ensure I provide the police with the correct details, please confirm your company registration number, consumer credit licence number and the name of an individual the police can contact. I will let you have the crime number.

 

In the meantime, I will construe any further demands for payment to amount to harassment, and act accordingly.

 

Yours etc.

I wouldn't respond any further as you have already confirmed to them a number of pieces of information.

If you feel that you must respond then tell them to put it all in a formal claim in writing so that you can hand it over to your solcitor to deal with, make sure you tell them nothing that they do not need to know

this would seem akin to the Nigerian Millionnaire [problem], or the Iraq gold [problem],

all they need are your private banking details to be able to send you 10,000,000,000,000,000,000,000.00 of hwatever currency they deal in.

Hi ads

As you have no knowledge of this you've covered things quite well and as you've asked for their details so you can back up your email CCA request with a written one inc the fee the rest is up to them

I don't think the Police will be very interested in this except from the point of a possible ID theft and maybe in the fact that they claim to have paid you money before you applied for it . . I'd class that as a gift

If after their 5pm they email again I'd just send a reply along the lines of . .

I DO NOT ACKNOWLEDGE ANY DEBT TO YOU OR ANY COMPANY YOU REPRESENT

I have made my position re this matter quite clear so unless you can provide me with documentary evidence to support your claim I insist you cease contacting me

Any further commnication or unsubstantiated demands for payment will classed as harassment and I will not hesitate to make formal complaints accordingly

ads

Don't bother getting into anymore drawn out emails as they have to prove you owe the money and not the other way round, in fact if I were you I'd block their email address's thereby forcing them to write to you

Good luck

R

Whoever these clowns are - they are trying to intimidate you by mentioning the police - two can play that game, you can also tell the police that you are being threatened by email for money (by saying they know were you live, who you work for etc..)

If that had of been me i'd have told them to "bring it on"

The letter by revenant is fine but I'd tweek it with something like this. 'Should this harassment continue I advise you that I will be the one taking the action and you will be the one defending it.'

Two further emails from them:

I am trying to help. The fact you are replying means you are happy to receive that help. Can we find a better way to get this agreement in place or do we keep delaying as I would like to close the matter and move it on please.

followed by:

Good morning,

 

If you are one of the people who have agreed a deal please ignore this email.

THIS IS FOR THOSE PERSONS WHO HAVE NOT GOT IN CONTACT OR WHO HAVE NOT AGREED A DEAL.

 

 

On Monday, I pass over your file to the debt department. Once it is there the officer will decide to sue or to review the choice of bankruptcy if already sued and no response.

 

 

I am available up till monday and beyond but once the actions are commenced they have to be completed or settled with all costs of the action covered.

 

 

I can be reached at any time on email and will respond by return.

 

 

PLEASE PLEASE PLEASE do not let this go any further. I am so happy to recieve your repayment plan to stop the situation getting any worse. You may not care but I have to warn you that if you do become sued and bankrupt you will need to understand what happens when you have these marks against you.

 

 

Details of bankruptcy

http://www.thesite.org/homelawandmoney/money/bankruptcy/whatisbankruptcy

 

 

Details of a court order

http://www.hmcourts-service.gov.uk/courtfinder/forms/ex320_0406.pdf

 

 

If you want to get in touch DON'T HESITATE

 

[problem]

Thought so everytime I type [problem] it comes out censored, this happened yesterday - i am trying to type S C A M- weird, CAG must have a list of censored words

Excuse me, carry on, but this does not look Kosher ads-uk

Have you checked the headers in those emails? If they were sent to multiple recipients they could be in breach of the Data Protection Act.

forget the emails, write to these fools and demad proof, I mean I have seen better attempts by fraudsters who send out letter stating you have won $1,000,000 nigerian dollars and please pay me $5,000 to process your winnings

The wording of that last e.mail is either a serious breach of data protection - or a con.

If it's the first complain about them to the ICO and OFT.

But i think its probably the second - but how did they get your info? was it via one of our reliable and secure CRA's?

My sister applied to a couple of websites for car insurance two weeks ago, she gave out no 'sensitive' information, other than that required to get a quote. This weekend she has received 2 offers of payday loans on her mobile and a 'you have won etc.'. On one site she did have to agree to her credit files being searched so maybe a clue there, I believe someone already mentioned that possibility!

Having read the above, I am inclined to think that maybe I should make some kind of complaint for her? She has never had anything remotely like this on her mobile previously.

Anoher email this morning:

good morning,

 

I will need your answer today.

 

Account Manager

For and on behalf of Wage Payment and Payday Loans Ltd.

 

Disclaimer:

Internet communications are not secure and therefore Wage Payment and Payday Loans Limited does not accept legal responsibility for the contents of this message. Any views or opinions presented are solely those of the author and do not necessarily represent those of the Wage Payment and Payday Loans Limited family or companies unless otherwise specified stated. This email and any files transmitted with it are confidential and solely for the use of the intended recipient. If you are not the intended recipient or the person responsible for delivering it to the intended recipient, be advised that you have received this email in error and that any dissemination, distribution, copying or use is strictly prohibited. If you have received this email in error please notify the sender and then delete the message and any attachments from your computer. This email has been scanned for all known viruses, while the sender has taken every reasonable precaution to minimize risk, we cannot accept liability for damage which you sustain as a result of software viruses. You should carry out your own virus checks before opening any attachments to this e-mail.

 

Once again, I will state that I have no recolection in dealing with your said company.

Hence why I asked your self to provide a signed executed agreement if there is one.

Your comments below have been noted, as well as my previos email to yourself requesting proof.

 

You BOLD coulourful writing and threats of court can be classed as a form of intimidtion.

 

I am asking once again, please provide signed proof of this, to my home address - of which you should have on file, if I have delt with your company.

I would ring Consumer Direct and report this to Trading Standards and OFT, the threats are actually without substance and very frighting. If you are going to reply to this email - tell them that you have reported them to Trading Standards, OFT and the police overwise ignore and let the authorities deal with them

Trading Standards via http://www.consumerdirect.gov.uk/contact

This email tennis could last a long time. Are you going to take definitive action, or just keep responding to these clowns?

Definitely sounds like a sc@m to me. Reputable companies don't send this kind of thing via e mail. It's imperative that you contact the Trading Standards and forward all the e mails you've received.It appears that because you have answered, they now know that they have a "live" e mail address, and will try to get you to pay something - anything- to get them off your back.I would ignore further e mails from them

Agree with SP, replying to them is only encouraging this - get them reported, full stop. Even if this was a genuine debt, this type of behaviour is not acceptable in the slightest.

This looks like the sort of correspondence that people get into with 419 type sc@mmers. Add them to your spam list and move on. The more you respond to them the more emails you will get.

as above add their email address to your spam list and ignore the fools until they write, which is very doubtful

OK so today I've recieved two further emails:

Good evening.

 

I have been in touch with you in the last few days. Those of you that have agreed to pay your instalments please keep to the dates you agreed as we will immediately cancel the arrangement.

 

 

Those of you yet to get in touch PLEASE do and I will be very happy to discuss payment plans with you.

 

 

i wish you the very best evening and look forward to hearing from you all.

 

 

 

Andrew Hart

Account Manager

 

And this one - which I have no idea why this is relevant to anything???

subjectRe: PLEASE GET IN TOUCH- an article on why the payday industry is so important

hide details 20:35 (3 minutes ago)

 

 

Data on 400 payday loan consumers collected before and after the

imposition of an interest-rate cap in Oregon indicates that the

payday loan rate cap resulted in a severe downgrade in the

financial condition of the Oregon households. These survey results

indicate that restricting access to expensive credit harms, rather

than helps, consumers.

 

The study was conducted by Prof. Jonathan Zinman in an effort to

evaluate the effects of interest-rate and loan-term restrictions

imposed by the State of Oregon in 2007.

 

Prior to 2007, payday loan companies in Oregon typically charged

payday loan borrowers $15 per $100. Effective July 1, 2007, the

maximum finance charge that can be imposed on Oregon borrowers is

$10 per $100, with a minimum loan term of 31 days. The effective

APR earned by lenders was reduced substantially as a result of the

new payday loan regulation.

 

As a result of this new legislation the majority of Oregon payday

loan operators left the state. Of course, payday loan lending

volume fell dramatically as a result.

 

The Dartmouth Study revealed payday loan consumers were forced to

find alternative sources for temporary financial help that is more

expensive than payday loans; overdrafts and late bill payments.

 

The Dartmouth Study focused on the effects of the Oregon cap rate

by comparing changes in key financial components of Oregon

household finances before and after the effective date of the cap,

using equivalent households in Washington state as a "control." The

study covers changes from June 2007 to December 2007.

 

The Dartmouth Study revealed that, "relative to their Washington

counterparts, the Oregon households were far more likely to

experience a change for the worse in the key financial outcomes

measured by the survey: job status and respondents' assessments of

their recent and future financial situation".

 

The conclusions of the payday loan Dartmouth Study reveal that

restricting access to payday loans harmed Oregon respondents over

the term of the study.

 

"These results suggest that access to credit, even if expensive,

can help some people make productive investments and help others

manage their cash flows through emergencies," Prof. Zinman said.

"There's more work to do to reconcile these results with findings

from other studies that suggest access to expensive credit can

exacerbate financial distress."

 

The data collection for the study was funded by a grant from

Consumer Credit Research Foundation, which did not participate in

the analysis of the data or the drafting of the study.

 

The actual payday loan Dartmouth Study is available:

http://www.dartmouth.edu/~jzinman/Papers/Zinman_RestrictingAccess_oct08.pdf

You may have to copy and paste this long URL.

 

The Team at Trihouse Payday Loans

702-889-9555

email us: [email protected]

http://paydayloanindustry.com/cash-advance-store.html Knowledge Store

http://www.PaydayLoanIndustryBlog.com Checkout our Blog

http://www.PaydayLoanLegislation.com Laws & Legislation

http://www.AutomobilePawn.com Make $$ in Auto Pawn

http://www.GoldintoLoot.com Buy Sell Scrap Gold & Silver

http://www.ScrapGoldGuru.com

823 South 6th Street, Suite 100, Las Vegas, NV 89101

Andrew Hart

Account Manager

 

 

Just ignore them. At best they're incompetent clowns. At worst they're trying to defraud you. They're not worth any effort or heartache.

why are you still entertaining these clowns, just add to your spam list

I have'nt responded and i think its best to post wot dribble on here I recieve just incase anyone is fooled by there lies

That is a load of cack! Have you reported this to Trading Standards, OFT and the police? There is a special crime unit for this sort of thing, I also do not want vulnerable people to be intimidated by this