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Everything posted by evil_scotsman

  1. Don't want to be the bearer of bad news but direct debits that are less than 3 days away generally still go through even though they have been cancelled. If it does happen though, just go to the bank on Friday and tell them to reverse it and they will, the money will appear back in your account overnight into Saturday.
  2. 01924 201 683 according to whocallsme.com
  3. Time to get this thread going again unfortunately... I got a letter on the 3rd of November from Payday Express giving me 14 days to pay the debt in full or they will put a default on my credit file. With some quick browsing on the site I'm pretty sure the notice is invalid for the following reasons: 1) letter is dated 21/10/2009 but postmark is 22/10/2009 2) It says I have 14 days to pay instead of giving me a date. Also don't they have to allow 14 days from when I receive the letter? And finally, Payday Express said they passed to Castlebridge so I've been "dealing"
  4. If you dispute a direct debit on the day the money comes off, then ususally the next day everything just disappears as if it never happened. I'm guessing that's what happened here.
  5. First, a bit of background... I've got an MBNA card which was taken out late 2007, but since I've been made redundant I've been struggling with repayments etc.. So after looking on here I sent them the "hold action on account" template letter and the reply was: Thank you for your message. For us to assist you with your financial difficulties we require your up to date financial details, including: - Your monthly income (salary, benefits, allowances) - Your monthly expenditure (household costs, utilities, rentals) - Names of all your other creditors and balances owed with each S
  6. For anyone following... The wonga situation seems to be sorted . I've agreed a realistic repayment plan with them and i've got their bank details! As for castlebridge, I've contacted them using the email address in the letter but I'm not holding much hope considering the state of their website Castlebridge Credit Management although the phone calls have stopped so maybe they actually listened to my "stop calling me!" over and over again. Slow progress on this one. My telephone harassment letter to keyes whitlock has resulted in me being sent an apology and that "it will be looke
  7. For me, it took about 5 or 6 "in writing" emails before they finally stopped sending template letters and I started to talk to a real person, then he asked me to call in every single email he wrote. He finally gave up and the account was discussed via email, so I guess you'll just have to live with their stupidity for a bit longer yet.
  8. Yeah, 1st time I asked as well, quite surprising! And it was all done through email so I suppose it all depends who reads the email.
  9. That wasn't in my wonga emails, but I wouldn't send them anything, just explain why through email. Have you asked for the charges/interest to be frozen? I did and they stopped it so it's worth a shot if you've not done it yet. I've agreed a repayment plan and I've got their bank details for a standing order so it takes time to sort out but they eventually listen!
  10. Don't worry they won't be getting my card details, I'm just waiting to hear back from them since there's a dispute over the amount owed, they agreed to freeze the interest but the amount kept rising on the website. I won't be paying a penny till that gets sorted!
  11. Another update for anyone still following... I've managed to get bank details from Wonga after they insisted they do not do standing orders so some progress is being made there, although they've still not agreed a repayment plan with me. Also, they say that the plan can be set up online, has anyone done this before since I can't see an option to do that on their website? Still got to sort out the amount owed since I was told the amount would be frozen but it has kept rising on the website, won't be paying anything till that gets sorted out! On the Payday UK loan, they've pa
  12. Look at the threads on here and you will see that you should definetly NOT get a payday loan! Whatever the situation, there's always a better way to solve the problem than getting one of these loans. DON'T DO IT!
  13. Well I've got some money together and sent offers to Wonga and Payday UK. Payday Express have passed on the debt to Castlebridge Credit Management and they've phoned me and left a number for me to call but no letters from them yet so phoning them is the only way of contacting them at the moment, might give them a call tomorrow and see what happens there, does anyone know anything about Castlebridge? As I type this I've had replies from Wonga and Payday UK. They take days to reply when you're not offering money and less than an hour when you do! Wonga say: "Please call me on
  14. Well it's been a while since I posted but that's because not much has happened. Payday UK just keep telling me to phone them even though I've repeatedly said written communication only. They did give a freephone number though which is surprising. Surely they can't refuse to keeping communication in written form only? Wonga are just being awkward, they say they want to set up a plan but when I say I won't have my next payment from JSA until a certain date they say they will try not to pass on the debt to their DCA and that: "I cant do anything to avoid further action on your acc
  15. just a wee update for anyone following. I got an email from wonga to say "give us a call and we can assist you" so I replied i'd rather keep all communication in writing and there reply was " I understand you would like to keep all responses in writing but that will take too long to settle things, I would ask you to contact me, we can discuss the account and I can then send the new arrangement to you on email." I imagine i can ignore this and again request everything in writing. This is after receiving an email saying "final warning" etc. Payday express have asked m
  16. Thanks for the quick reply. I've been to the job centre and signed on, all the companies have got my card details so they'll no doubt be trying for the money every day until they get it. I get the emails out again now that I've signed on, although the job centre said it takes 2 weeks for "processing" the application so the next few weeks shall be fun! I tried to extend my overdraft at the bank last month but they refused, is there any chance they'll reconsider if I say I've lost my job etc..? No harm in asking I suppose.
  17. Hey everybody. Found this forum after having problems with repaying my payday loans so hopefully you nice people out there can give me some advice on my situation. Firstly, I know I shouldn't have taken them out in the first place but it's too late for that now. I've got 3 payday loans outstanding; wonga (£450) payday uk (£350) and payday express (£250). I defaulted with wonga last month and am now on a repayment plan with them but here comes the bad news. I've been made reduandant so I have no income and nothing in the bank just now as the more important bills have just be
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