Hello.

I have currently defaulted on payments with payday express. i have them constantly

ringing me texting me sending letters the lot. theyve really gone all out on me.

I did originally set up a payment plan with them but they wanted me to ring them back

within seven days with my bank details to set up the direct debit. i told them i was on my last

bit of credit on my phone and they would have to ring me back when their systems were up and

running. i heard nothing after that however still kept getting daily phone calls from them asking for the

full balance and even have the cheek to deny that i had ever set up the payment plan with them!

due to their constant phone calls, my boss got annoyed with the work phone going for them to contact me

i decided it would be in my own best interests to hand in my notice and i have now switched to income support

i informed this to payday express and they wanted proof of me moving onto benefits. i thought this was a

bit cheeky if you ask me, and from browsing others threads i can see people have been advised to only contact in

writing and not to fill any other their I/E forms out? is this right?

basically im just looking for a template letter to offer them £10 a month and was hoping that i could only pay

what i owe + 1 months interest and i feel thats only what is fair. although the loan was taken out over a repayment

period of 3 months which leaves what i owe them at just over £600 after a £150 loan.

is there any way of getting this cut down? i was considering going for a debt relief plan or something like that

i just want some advice. im fed up and this is really getting me down as this isnt the only payday loan thats seriously

harrasing me.

i feel my only other option is to just take my income support and directly pay a pay day loan one at a time.

(my wonga was only £90, but i have no idea how much interest i have been charged on it) is there any light at the end of the tunnel. is that bad that now i cant even get a sofa out of brighthouse and i have no other way of getting one

unless i save up with what little i have left which will leave me months and months without a sofa. HELP PLEASE!!!!

The last thing you should be doing is purchasing any item from Brighthouse ?

You can either set up your own DMP or contact one the FREE debt counselling charities such as StepChange or PayPlan.

Why not have a word with National Debtline first to see what your options are

http://www.nationaldebtline.co.uk/

 

or call National Debtline free on 0808 808 4000

Monday – Friday 9am-9pm

Saturday 9.30am-1pm

 

 

 

I believe they are closed to callers until January 2nd, 2014.. but if you have a read of their website, you can visit "moneysteps" for interactive advice.

If you have a look at the CAG library, you will find many template letters that might be of use and there is also the telephone harrassment letter that you can send to the company.

The link to the CAG library is at the top left of the screen, highlighted in Green.

I think the main thing to deal with is you felt forced? to give up your job over this and go on benefits. if you are still on benefits, then they get £1 a month. End of discussion.

so had a reply to my email

basically stating they will not accept £5 a week and charges and interest wont be frozen :C

they will only set up a payment plan over the period of 6months then the final balance would be taken from my account.

is this even allowed?!?

When I get home Ill give you a letter to send them. They are in breach of law and regulation and are now borderline harassment.

ok thank you!

Can you post up what you have done so far as well as what they have said. Can you post any letters from them if possible

the first lot of contact was via phone when i set up the first repayment arrangement however they wanted me to ring back the following week to set it up because their systems were down however i wouldnt get paid until the end of the month (this was middle of november)

first email i got from them was this

Dear Hazel,

Various efforts and reminders to resolve your arrears have failed.

You continue to breach the Terms and Conditions of your Loan Agreement. We have received no communication from you and your account has continued to fall further into arrears.

You may find it easier to manage your account online by using the following link tps://applications.paydayexpress.co.uk/AccountManagement/a/Login

However if there are any changes in your financial circumstances and you prefer to call then please ring us on 0115 908 1162* where one of our advisors will be happy to help.

Please call us on 08:00 – 19:00 Monday to Friday or 09:00-13:00 Saturday to discuss current circumstances and identify various options that may resolve this matter.

If you have already been in contact or have an arrangement agreed, then please ignore this communication.

Best Regards,

Express Finance

most recent email was this this morning

Dear Client,

Your CASHGENIE account is seriously overdue.

We were still unfortunately unable to collect your interest payment today.

We have decided to give you a Christmas special offer.

If you can pay £20.00 between now and the 29th of this month.

We will waive ALL Additional interest and charges and get your account rolled over until your next pay date.

Please note that this will restore your credit file and bring your account out of arrears.

We want to help you get back on track, but in order for us to help you need to complete the below

or

Please call 01473 297214 ask for myself Daniel C.

(Please complete and return)

Mobile telephone number -

Date you can make payment -

Card number for payment –

Expiry date of card -

Cardholders name –

Here are the details you need to make a payment by Over the counter.

Bank Name: Barclay's

Account Number: 13022625

Sort Code: 20 00 00

Payable to Ariste Holdings Ltd.

Reference: Post code and last name.

Kindest Regards

Daniel Cunningham

So you have 2 pdls

yes i have a few one with wonga and cash genie but they are already set up in a payment plan so they arent a problem these are express payday that just want me to roll it over

Hello Hazell.

Payday Express are a tiresome company to deal with. I'm fairly sure, unless you log a formal complaint, demand that's investigated and responded to; they'll keep giving you the runaround and continue to phone until you escalate to someone in charge. (Think of a trained monkey - you'll get the idea). If they continue to call, don't answer but keep a log of the calls they make.

Some suggestions.

1. Secure your bank account. Cancel all CPA's

2. Send a formal complaint by registered post to Payday Express demanding the communicate solely in writing. (use the template on this site). In this letter, you, tell them what you can afford not what they think. They want you to rollover payments to extend the loan and pay extra. Demand they cease interest and unlawful charges with immediate effect.

3. Prepare to have point 2 ignored - Complaint handling is not something this company undertake competently. They'll continue to harass you by phone so keep a log of the calls. Any evidence that you have for OFT and FOS (see below) relating to them ignoring your attempts to resolve this matter will stand in your favour.

4. Make a complaint to the OFT straight away.

5. Make payments by bank transfer - don't give them any further bank details.

6. 8 weeks after your complaint - you can raise a case with FOS. They're fairly slow but independent and will charge Payday Express £550.00 for the courtesy to investigate their own incompetence.