How long ago was that Lou?

Yeah, i'm saying that, probably I will go home tonight and find 200 calls on my house phone hehehe. Should they be contacting me now, or after Friday which will be my repayment date? As I said, I sent them an email to tell them that I am unable to meet this repayment.....

And I am not prepared to take any of their nonsense on the telephone and will not tolerate bullying or intimidation. If they become threatening or aggressive, I will do as suggested and tell them the call is being recorded and that I am reporting the person directly to the OFT. If they think they are going to treat me like a piece of dirt they have another think coming, as said previously, I know my rights, thanks to the forum... and I wouldn't let my family speak to me in a threatening tone, so i'm not taking it from someone on the end of a phone. Maybe I will be one of the lucky ones and not receive so many calls!!

I must say so far all is quiet. I did have a telephone call from an "Unkown" number on my mobile, but I was on another call at the time and so I didn't answer it. No email either. Maybe since my repayment date is not till Friday, it will remain quiet till then?!? As for my "account manager" I have read all the comments about them, and I was thinking about saying something if it is Gavin, something like "Oh I have heard about you" - something to instantly get his back up haha... Or something like "Oh, damn, I was hoping for Angela"! Thanks to all the posts on here, I am kinda geared up to fight this, and now better my rights and where I stand with this shower of sh*t. Thanks to all. Will of course keep you posted!

Hi guys..... After carefully considering all my options, today I decided to cancel my Direct Debit with PTP. I sent them a message online to tell them that I will be unable to meet the repayment date on Friday, and as such, I have had to cancel my DD. I wrote to them that I would like to negotiate a payment plan..... sounds like this is where the fun begins, eh? I'm expecting to be bombarded with calls now..... the general consensus is that they hound you.... the only relief is that the office number they have has now been disconnected hehehe I have been thinking for a long time about just cancelling the DD with them, not because I don't want to pay, but because im struggling to pay the £130 interest each month.... anyway, after reading all your posts carefully, I decided to do it, and in a way im kinda geared up for a fight now!! ALthough a bit aprehensive about it hehe.... So, now that I have cancelled my DD, what comes next?!?! Thanks