Hi all new to this

Got a safeloans loan last year as you do(£200), ended up couldnt pay it back..got a repayment arrangement set up £50 a month to pay it off got a letter sayin I owe £494 a few days later i have now paid £380 togther and cancelling my card they emailed saying If dont get intouch with 7 days they will arrange a court order or something its been 10days had no emails or calls ive paid them back plus intrest Would i have to go to court over the rest or make life easier an just pay it

Thanks for your help

What you need to do is secure your finances, then send them the prove it letter. http://www.consumeractiongroup.co.uk/forum/content.php?428-General-debt-letter-if-you-know-nothing-of-the-debt

You only owe the original loan, plus contracted interest and a default fee, minus any payments already made.

Thank you for the quick reply

Hi chezelle82,

It depends when you arranged the repayment plan. If you arranged it way after the default date, it could be they added the interest/fees all before you entered into the plan

hi

yeh i think your right they sent me a letter 1 week saying i owed £280 then another one £380 then another one say £464 plus 30 solictors fees?? ive paid back £380 they tried to take a payment on the 16th but i "lost my card"....havint heard from them since. The original loan was £200 plus £66 intrest if i paid when i should of they now want 494 but im not paying them anymore..

Hi chezelle,

I would try to make them an offer without prejudice and in full and final settlement of 40% of the outstanding balance (calculated as outstanding 494 GBP - 380 GBP = 114 GBP, Offer of 40% = 45.60 GBP), they are likely to accept this.

I wouldnt pay anything. The debt has already been paid according to the OP's initial post.

I'd also be careful of using the phrase "without prejudice" incase it does actually go to court. But I'm with Renegadeimp on this, you've paid them so tell them to get stuffed. As nicely as you want.

Hi

Thanks for your advice i havint heard from them for a while since the 17th sept but they normally harass me with email phone calls but i havint heard since, maybe they got the Picture, i have paid an extra £180 on top of What i owed like their proley laughing at me....but it shows on my account with them i owe £190

Loan 200 amount to pay back £266 defaulted they want £490 ive paid £380

You only owe them the loan plus one month's interest, which you've paid. If (and it's a huge if) it does go to court, then that's likely what the judge would claim you'd pay. If they want more... Well good for them. I'd like a date with the red head off doctor who, but it ain't going to happen

Cool will let you know If i hear anything thanks people.......markosoft82 u never know you Could Still get a date with her lol

got this emailed today

We are informing you we are at the legal stage of "Request Judgment" where the issuing of your (CCJ) judgment is being processed and we are informing the court that you have not paid the debt owing and have asked the court to go ahead and "Request Judgment," you will then be registered with a "CCJ." A judgment will have a very negative impact on your credit rating and will make it near impossible for you to gain any form of regular credit or finance for a whole 6 years from when registered.

IMPORTANT PLEASE READ- The Courts directive is to try and "mediate settlement". Even at this late stage we are offering you a discounted option to settle our claim. We must warn you that you have 28 days from the date the CCJ is registered to pay and settle your (CCJ) judgment debt. If you pay the (CCJ) judgment debt in full within 28 days of the date of the CCJ being registered, you can apply to have the entry in the Register removed. You'll need to provide a statement or settlement receipt as proof of payment to get a “Certificate of Satisfaction” from the court to say you've paid off the debt. This costs £15. When an entry is removed from the Register, all the credit reference agencies will be notified and they will remove details of the CCJ from your record.

Our offer to settle your judgment debt is a substantial 20% discount off the balance owing, your new discounted balance is £152.25, to take up this offer the account must be repaid in one payment and by 22/10/2012. For this offer the payment must be made by a valid Debit Card or bank transfer, you can also post a cheque or postal order to our office address at the bottom of this email. This action will settle your account and remove your CCJ off the register of judgments. Please note you must contact us immediately with your proposal.

To confirm repayment please contact us on either 020 82534137 or 020 82534138 where one of our specialist litigation collection team will be able to assist you in setting up your payment schedule. You may also send a letter or email your queries to: [email protected] or for advice on County Court Judgments please visit the Directgov websie http://www.direct.gov.uk and in the "search this site" bar enter Count Court, for debt advice contact citizens advice bureau http://www.citizensadvice.org.uk

Regards

Litigation Department

Safeloans Ltd

1st & 2nd Floor

30 Church Street

Croydon

CR0 1RB

:-xgot this emailed today

We are informing you we are at the legal stage of "Request Judgment" where the issuing of your (CCJ) judgment is being processed and we are informing the court that you have not paid the debt owing and have asked the court to go ahead and "Request Judgment," you will then be registered with a "CCJ." A judgment will have a very negative impact on your credit rating and will make it near impossible for you to gain any form of regular credit or finance for a whole 6 years from when registered.

IMPORTANT PLEASE READ- The Courts directive is to try and "mediate settlement". Even at this late stage we are offering you a discounted option to settle our claim. We must warn you that you have 28 days from the date the CCJ is registered to pay and settle your (CCJ) judgment debt. If you pay the (CCJ) judgment debt in full within 28 days of the date of the CCJ being registered, you can apply to have the entry in the Register removed. You'll need to provide a statement or settlement receipt as proof of payment to get a “Certificate of Satisfaction” from the court to say you've paid off the debt. This costs £15. When an entry is removed from the Register, all the credit reference agencies will be notified and they will remove details of the CCJ from your record.

Our offer to settle your judgment debt is a substantial 20% discount off the balance owing, your new discounted balance is £152.25, to take up this offer the account must be repaid in one payment and by 22/10/2012. For this offer the payment must be made by a valid Debit Card or bank transfer, you can also post a cheque or postal order to our office address at the bottom of this email. This action will settle your account and remove your CCJ off the register of judgments. Please note you must contact us immediately with your proposal.

To confirm repayment please contact us on either 020 82534137 or 020 82534138 where one of our specialist litigation collection team will be able to assist you in setting up your payment schedule. You may also send a letter or email your queries to: [email protected] or for advice on County Court Judgments please visit the Directgov websie www.direct.gov.uk and in the "search this site" bar enter Count Court, for debt advice contact citizens advice bureau www.citizensadvice.org.uk

Regards

Litigation Department

Safeloans Ltd

1st & 2nd Floor

30 Church Street

Croydon

CR0 1RB

Theres a lot of errors in that letter. Plus they are offering discounts. They are also saying that they will win the judgement.

It sounds like they do intend to go for court, so you need to be prepared to defend it. However, atm all they are do is threatening court action as no court claim has even been applied for yet.

thats the email they sent me i just copied and pasted it here, where shall i go from here?

I would send them a letter of complaint telling them that they are of default if your legal request for them to prove the debt. Make sure you tell them that you deny all liability for any debt with them, and you are copying in the OFT and FOS in your complaint.

Should it get near a court ( notice how they say they will win, yet want to go to mediation OUTSIDE of a court appointed mediator, that should ring alarm bells), we can help you with a defence where you can show bank statements/payment slips etc to show that the debt was fully repaid, yet they still ignored you and are trying to get double the amount.

PDL's and DCA's seem to be issuing claims like confetti lately in the hopes they can get a ton of judgements by default then go straight for enforcement orders.

i well thought i heard the last of them i paid them over what i owe aswell i cant afford to pay anymore shall i send the letter by post or email

I would use recorded delivery. If you have proof that you have paid the debt in full then they dont have a leg to stand on. Unless you get a court rep that thinks they can overrule FOS regulations or OFT guidance.

sorry dont mean to sound thick haha

shall i just basically say that i have proof i have paid you back in full and basically im not paying anything else back, and i will inform the oft and fos of what their doing. they added £30 onto that bill for (court cost or solictors fees) ive had that letter before and thats when i set up an arrangment of £50 a month coz i couldnt be bothered with the hassle but now ive paid what i owe they want more greedy gets........................i know its my own fault.......

That's an interesting email they've written. You'd have thought they'd been to court and won by reading that (another little tactic Pdl's use). You've got proof you've paid them and you've kept all correspondence so if it does go to court, you're half way there. As renegade has pointed out, they want meditation outside of the Court, because once it gets to court they know it's likely they won't see a penny.

It's not your fault, companies like safe loans are utter... Well I won't expand on that. They send out threats by emails to get people to call them just for the pleasure of being bullied into giving more money.

I just find it funny:

The Courts directive is to try and "mediate settlement". Even at this late stage we are offering you a discounted option to settle our claim. We must warn you that you have 28 days from the date the CCJ is registered to pay and settle your (CCJ) judgment debt. If you pay the (CCJ) judgment debt in full within 28 days of the date of the CCJ being registered,

Lets look at this.

The courts directive is to try and mediate settlement. However, this is normally done by choosing the option on the claim form, and either having a conference telephone call, or people actually going to a court where a court rep will mediate. It is NOT done by a PDL dictating what they will accept and tell you if you dont like it, then tough luck before any claim has even been filed with the court system.

They then talk about discounts. Sorry safeloans. Not everyone is as dumb as you think they are. You are only offering a discount because you know that the amount you are clamiing is borderline fraudulent. Not to mention they say you have 28 days from CCJ registration to settle the debt, when the process is the CCJ doesnt get registered at all unless you DONT pay them within 28 days of the courts judgement. If you pay after this, then you can have the entry marked as satisfied. If you pay within the 28 days, the court just files the claim and notes the debt as settled and doesnt register the CCJ. I should know, i've had 6 total CCJ's in my name over the last 8 years. I have 3 of them left now, 1 of which im fighting to get removed.

Our offer to settle your judgment debt is a substantial 20% discount off the balance owing, your new discounted balance is £152.25, to take up this offer the account must be repaid in one payment and by 22/10/2012. For this offer the payment must be made by a valid Debit Card or bank transfer, you can also post a cheque or postal order to our office address at the bottom of this email. This action will settle your account and remove your CCJ off the register of judgments.

Riiiiiiight. Pull the other one you useless bunch of muppets. Oh, hang on a minute, how can they remove a CCJ when a) it doesnt exist yet, and b) no court claim has even been entered.

Hi

Yeh i got proof Bank statements kept all emails Shall i just wait then and see If the court send anything?? Then send all my evidence

IF they are telling the truth and they issue a court claim, dont do anything until we advise further. We have some very good posters and site admins here that know the ins and outs of the court system who can help you amazingly well.

Court claims have to follow specific procedures and the forms need to be completed in a certain way.

Don't worry about the Court, the PDLs know how low their success rate there is, I've been in Court twice about pdl debts, once the Court told me to just keep paying off at tbe same rate I already was and wiped off all charges, the other time they where sent home without a penny.