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Newbie. Defaulted PDLs and Bank Overdraft


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Hi,

 

I have finally checked my credit file and I have 2 defaults from PD loans and 1 from Lloyds.

Cash on Go ( I think may be Satsuma) - £410 ( Initially borrowed £200)

Provident ( I think may be Peachy) - £755 ( Initially borrowed £400)

and

Lloyds £410 ( 100% unplanned overdraft charges that have accumulated.My account was a basic account with no OD facility.)

 

United Kash have been contacting me for the Satsuma loan but from reading on here, I have not replied or answered the phone.

 

As they are defaulted what can I do now?

Just ignore them?

 

There is a very slim chance that I could possibly borrow the money from a family member to pay them all off but I don't know how to start as they are now in default?

 

Any help appreciated! Thank you!

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well paying them wont remove the defaults.

 

what are the defaulted dates?

 

if the Lloyds OD is charges get reclaiming them.

 

if you were given PDL's whilst your credit file was already poor you could also investigate irresponsible lending claims

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thanks for replying.

 

Lloyds defaulted in May 17. And the others in August AND September this year.

 

I was on a zero hour contract when I took out the PD loans and I know that I shouldn't have taken them out but was desperate at that point.

I will definitely look into claiming back the charges from Lloyds. I had no idea that was even possible.

 

Thank you!

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