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About 2009dg

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  1. So have are the loans going? I'm interested in Safety Net Credit as they have direct access to your bank account.
  2. I got the email. My loan hasn't been on my credit report with callcredit for a few months now due to me consistently complaining to them for their incompetence.
  3. UPDATE: After complaining more times than I can count Wonga have finally corrected my current balance but have removed my default. Will this mean that I have to have this paid off before the 6 years can start? Stated date = 29/06/2012 Arrangement start date = 01/08/2012 Arrangement end date = 01/10/2012 (even though we are still in an arrangement). If is better to have an old default from a PDL company on your file or an on going satisfactory one?
  4. well they have sent me my statement and when added up shows that the defaulted balance is wrong. It is near impossible to communicate with these people. I've been going around in circle for about a year now. I replied to the email with my statement and all they did was send me my statement again, then they sent me the 'please phone us email. Now they are saying they can't remove the default (never asked then too) then they said they couldn't find any payments since November 2013 and I needed to send them bank statements and a credit report so I have just sent them screen dumps of just the
  5. What do you mean reclaim charges?
  6. Oh yeah qq are still the creditor on my CRA not ARC
  7. So do I need to get them to change my default balance to 645.12?
  8. So I found the following on an old thread Initial loan was over 2 months - 1st month pay the interest, 2nd month pay the loan + interest. I then rolled it over for 2 more months. So I've currently paid £221.34 as above via DD and the £200 via SO with ARC. Should I just be paying £721.24 in total?
  9. So my loan details: Capital Payment: £450 Interest Repayment: £183.12 Transmission Fee: £5.50 Other Charges: £20 Total on promise date: £508.62 Paid: £150 --- Defaulted at £734 Paid so far: £230 Balance: £448 (not correct on CRA) --- The £150 above is what I think I got them to remove from my loan as I wasn't paying it. Should I only be paying £450 + £183.12 interest + £12 default fee in total making my balance £415.12 not £448? I really need to go over my emails with them again. I think I need to ask for a breakdown of charges
  10. A need to complain to FLA about getting 2 loans?
  11. So my original loan included a rollover fee so I shouldn't have had the second 'loan' then! I shall go back to them and tell them I am only paying £500 + £12 - £40 already paid (rollover fee already paid via 2nd loan)? As I'm only paying £10 a month I am tempted to stop paying and wait for a settlement figure. Do I dispute with ARC or QQ?
  12. Should I be querying this 'finance charge'?
  13. So looking back through my emails. The original loan was for £500 they then added £147.50 as a finance charge and £12 for late fees. I also extended the loan and without knowing that meant I now had a new loan for £160, , I can't find anything on this. I have since paid £160 + £40.
  14. So I had a payday loan with Quickquid and extended it, meaning 2 loans (original + extension). Couldn't pay back etc and they were both defaulted, paid the extension of at £10 a month (£160) and currently paying the original loan off at £10 a month (balance £619). Credit files says default balance £660 & regular payments £647. Had issues back and forth with quickquid & ARC (sure they are the same company). I am tempted to stop paying and wait for a settlement offer from ARC but I really don't want it passed on to another DCA who will place another default on my file. Also sho
  15. So I have sorted out this debt with Barclays on my bank account in 2010 and they agreed it was statute barred. Now it has been sold to SIGMA who I have sent a statute barred letter to. They have finally come back with my bank statements from September 2008 onwards and all it contains is 'balance forward', 'interest charged' and 'reserve fee' nothing by me. The account was opened as a student account in 2003. I left uni and had no contact with them until 2010, I actually thought they were part of my DRO but I must have missed them. Why if it was all sorted in 2010 are they again going
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