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Everything posted by mjc007.5

  1. Hi Lozzy - not much but what I do know is do not touch if at all possible. I am sure there may be some that come along behind me that disagree but this is the same highly regarded company that brought us "Yes" loans (In essence same firm with different "trading style"). I suppose might work for some if small amount, mimimal risk of defaulting and your guarantor knows they are potentially stumping up the lot if you cannot (I seem to remember they insist on the guarantor being a homeowner which I do not think is a coincidence!). Better option if possible (and may be area dependant) would b
  2. You are welcome and no worries - it is a stressful place trying to sort things out MP1 appeared to believe you were from the firm mentioned in this post - all fairly low level stuff, cannot remember exactly, "Hello Keiran" was amongst the messages?! The point is you can and should pay your debts at level that allows you to live properly. Now ideally this will be at a level you feel comfortable they will accept BUT if this is £1 each a month and has been properly worked out with the appropriate advice then so be it. Most would agree that debts need to be repaid but in the meantime pe
  3. SBB - MP was suggesting you were an employee of this firm, I can see he appears to have edited all of his posts. He either thought better of it, asked to do so or possibly I have been trolled! (the last one appears the most likely). The post that you quoted needs to be taken in context of that and was simply an attempt to politely raise that I had understood elsewhere that if anybody works for individual firms or the financial industry they are supposed to make themselvee known. There was nothing more in it than that, you have quoted it out of context given that MP1 has deleted all of h
  4. Hiya, In so far as what should happen I would agree with PGH and if cancelled in good time payments should be reclaimable from the bank. However, I am sorry but recent experience suggests what can and does happen is that the payments are "forced" through or the bank allows the company to treat having the card details as a "continuous authority". I have spoken with the card fraud teams of two different companies during the process of trying to sort my own payday loan nightmare and both have been very precise in stating that cancelling the card (or even reporting it stolen) will not
  5. If MP1 or SBB are either "in the industry" or work directly for this firm my understanding is you should be making yourself known to admin before posting? I believe a pm to admin is in order if memory of one of the site team posts on another thread is correct.
  6. Excellent! Thank you very much - they all want a piece of the I&E info at the moment!
  7. Subbing as this will be very relevant for me also I understood it to be possible that CCCS might share this level of info with the creditors (although to be honest would hope that would not be the case) but we were not obliged to go there ourselves??
  8. Thanks BB and Mr T, I will be using freely in many a dispute!
  9. Hi all, Hopefully a simple one for the legal experts here: Which (if any) correspondence should be headed with the above term when dealing with the many and varied forms that are the involved in chasing us for debts (owed or not) and charges (almost always disproportionate!) please? I have seen said use it on most thing, I have seen said it is over used. Any definitive answers gratefully recieved!
  10. Hiya, magiciansgirl is right, similar model to Yes loans and usually a con. They will find you a loan but the small print in what they do usually either specifies it does not have to be one that you find acceptable (hence can end up with a Provident or Welcome product ) or that they have anything up to six months to deliver!! Quick search on their site and companies house (no way professional or definitive) appears to suggest they are actually a private limited company engaged in "other computer related activities" (parent company an address in Berkshire although their site suggest
  11. Second what Bub has said - do not call them! Email or letter and you have a communication trail! Put the line in about further DD being fraud whilst you are there and also (if not already) put the bank on absolute notice that they may attempt to reinstate a DD fraudulently. I do not see a problem not wishing them to have your contact details per se but you must push the communications at them - daily if needed (via email) and use a stuck record approach (this is what I can pay, please provide account details for me to set up standing order etc....). Keep going, you should see
  12. Hiya, It is possible you are striking lucky and they have mislayed you! From what I can see elsewhere and with my own experience they are certainly still pursuing many folk quite hard so this seems to be the only explanation to me! It seems your choice is to sit tight and wait to see if they contact (not of course advocating any form of avoidance and you would need to use the time to get prepared with a realistic proposal to repay/dispute the charges) or be pro-active and chase them down with this and keep using the fact that you pursued them (honourable, demonstrates wish to
  13. Hiya, Bub set me on the road to sorting it out with this lot and they do appear to have been prepared to accept payment arrangements with most folk although you have to be persistent. Between us on here we have bank account details for the firm, specific email addresses (Bub went straight to theire CEO!) and eventually some success in reasonable repayment agreements. Not sure it is good form to post specifics up on here but have a look round the Wonga threads and a well placed PM or two will gain you more specific info for the company. I would not worry about the "solicitors" at th
  14. Hiya, Very sorry to hear about your circumstances, this is the right place for support and advice to work through things. Second everything Lozzy has said. In addition: Probably worth adding a letter/email revoking any authority to visit (just in case). Either seperate or merge with the telephone one In making realistic offer of repayment, request they provide their bank account details so that you can set up a standing order (they have been known to empty even new accounts once they have the details!) If they do not provide said details, advise them any further charge
  15. Hiya Dixxychick, No experience of PTP myself but seems to be pretty consistent theme from those that have (and consistency is rare in this "sector" of the lending industry). Hit them with the letter on here revoking any authority to visit (and have copy of same at ready just in case) template here - http://www.consumerforums.com/resources/templates-library/86-debt-collectors/591-dca-home-visit-if-you-receive-or-are-threatened-with-a-doorstep-visit- Consensus seems to be very rarely do folk get visited and when they do either do not confirm who you are or advise them you have a
  16. We can but wish..... I suspect unlikely though
  17. Hiya 7anked and welcome, It will be (I am fairly sure) CTP. If you have the cheque numbers the bank would be able to cancel them that way as well! Do bear in mind if you guaranteed the cheque it is likely the bank may argue they have to be honoured (I had this but eventually they saw the light!). Once you have done that best hit them with an affordable repayment proposal in writing (the phone will almost always be pointless!). Best of luck
  18. Vint you are a legend In the post to their sorry **** later today!
  19. Hi, Not hijacking at all noomill - it is an interesting question in the wider context as well as specific to individual cases OnMyWayOut - we will need one of the legal experts on the site to answer that question, I do not really know the answer. I would suspect there may be circumstances where it would apply following a request to cut up and return the card but these would probably be quite specific. I spent some serious time on here last night (starting to become habitual! ) looking for more specific info. IGNM posted an excellent suggestion for this on my initial halifax c
  20. Hello there, I am sorry they have behaved to type and you have it right that they are looking to rope you in to becoming a perpetual income stream for them with re-loaning and extending. If there is any way you can avoid this (and I know it is not easy) then do because it will not be long before you have another problem and then will be looking at another one of these companies to tide you over and this only leads to a very dark place with several of them chasing you.... If you advised the bank more than 24 hours before the payment was due to cancel and told them not to authorise f
  21. Hello all, Thanks for the advice in relation to the above credit card (thread - http://www.consumeractiongroup.co.uk/forum/legal-issues/207475-halifax-credit-card-default.html) You will see from the thread, no CCA provided (although is less than two years old so believe likely will be enforceable), issued dodgy DN, termination notice and now first contact from DCA. I would like to try my luck with pursuing the repudiatory breach of contract - is there a template or suggestion as to suitable form of words? Would I fire this at both Halifax and their DCA? If this is to kee
  22. Hiya, Same question came into my head as babybear - also just about to enter into DMP with CCCS myself and know that for your circumstances amount seems way high. From the Gregory Pennington website: How much do I pay? A. At Gregory Pennington, we are committed to being completely clear and open about the charges for our services. Your first monthly payment is an initial fee for setting up our Payment Programme and is not paid to your creditors. This will place your accounts into arrears or further into arrears. There’s a monthly fee of 15% included as part of your affordabl
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