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lostinspace1000

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Everything posted by lostinspace1000

  1. wish the edinburgh zoo branch would close down..... damn monkeys are still swinging from the trees in princes street garden.
  2. [email protected] or [email protected] they're hopeless at replying, they will eventually but only after a good number of weeks. this is so they can up your debt with the usual default and interest charges. in a period of 3weeks my 175 became 389. they can kiss my horse's ass if they're wanting the full amount. i mean i own a horse not that my ass is of horse size:p i have bank details if you need them?
  3. try safeloans.co.uk never had any probs with them, and if you borrow 100pound for a week it will only cost you about 8pound. plus they dont offer crazy sums think the highest they lend out is about 200. you can also make small payments before the actual payday if wanted, unlike alot of these payday companies that only let you pay of the interest if you roll over.
  4. thats a bloody shame, was hoping the edinburgh monkeys would get put down!
  5. for wonga, pay only your initial loan and the initial interest. anything after that and its a bouns for them. Thats what i did....there completely hopeless when it comes to communication. Be firm!
  6. 4 thats a damn disappointment! thought i read on the sky news it was 70?
  7. tempted to send a crate of bananas to the edinburgh office to congratulate them!
  8. which edinburgh west end office is it... is that barnton house?
  9. these monkeys have just issued me with a default notice and would you believe it, its for a phone call which cost 10pound, yes im 10pound in arrears....are these idiots for real ????
  10. call wonga! best of luck, these people never answer the phone and when they do prepare yourself for a ear load of very poor customer service.
  11. i had a welcome monkey at my door the other day but i never answered, to busy on the phone to the Zoo to inform them that their escaped monkey was at my door.
  12. keep seeing that ocean ad on tv, never heard of them. what are they like? another fly by night cowboy company?
  13. only from what ive read and heard, no experience of it at the moment.
  14. ppi you should get that back no problem... remember your still paying interest on it with these monkeys. the majority of your initial payments go towards your ppi and interest.
  15. looked at debt line, but they wanted 1st 2 months....no chance that would work out at 800quid, thats 1/3 of my bleeding debt... think i would be taking a step back if i pursued that line of action.
  16. looked at some DMP and came across this one called debt line.....after using their debt calculator and working out how much i had spare which was 400 a month. They then said the 1st 2 months payments went to themselves while they would make token payments of a pound to the creditors. Bloody hell:shock: that would have been 800pound...that could have easily paid of 1/3 of my debt....cheeky monkeys. i wonder if this group was run by Welcome?
  17. CCJ's remain on your file for 6years only if you satisfy them before the 6years is up or it will be renewed and you'll have another 6 to go. Defaults will totally screw your credit rating, never heard of a payday loan company placing a default. As for looking at your file that does not leave a 'footprint' so you can look at it every day if you wanted. your credit file for example may have 20 searches on it but other companies may only see a few searches as searches for id arent seen by them. all credit searches are shown so keep this to a min if possible. the higher the cred searches the lower your score.
  18. you do not have to show anything to these people, if you cant make the payment then thats that. As for a default (a default only requires you to pay the arrears not the full outstanding balance)...its bully boy tactics. send them letters (reg post) explaining the situation, ok they dont read them but if you keep copies and it goes arse up you can then turn around to an outside body and show them what you've done. I had problems with these monkeys, they never bothered with my requests in the letters until one day i started to talk about going to the OFT and trading stardards. if the interest isnt that much maybe you would be better paying it off and getting these monkeys of your back. once your free of them you can pursue the interest, if your pursue it while your still owing to them they will probably make things difficult for you.
  19. got the CCA. AND THE MONKEYS CHARGED ME 25POUND TO HAND DELIVER IT THROUGH MY DOOR! STILL PHONING EVEN THOUGH I HAVE MADE MANY REQUESTS FOR THIS TO STOP...THINK THESE USE MY LETTERS TO WIPE THEIR ARSES!
  20. Well i almost phoned the zoo today to let them know one of their monkeys had escaped and was at my door. 2nd visit in 7days, they're having a laugh. its now beyond me what they do with my letters as they dont pay any attention to them. Quite clearly stated to them that all comunication was to be done in writing also no home visits as i objected to the first one. if i was in i wont open the door to them. got my CCA request, the lovely monkey put it through my door at a charge of 25pound. Not only that a letter stating they had been trying to get in contact with me by phone and post....post!!!! well i never, never received a thing. any ideas what i can do, apart from phoning the vet and getting the monkey put down?
  21. wooo, this gavin sounds like a wizard of ozz monkey!
  22. these monkeys still phone even though i wrote to them several times not to phone.... got a bloody phone call today asking why i was pursing a CCA? Time for the OFT i believe.
  23. A few days back i sent a request for my CCA from welcome, got a phone call today asking why i was persuing this course of action.... what really gets on my goat is ive sent several(documented)letters requesting they stop phoning me yet the monkeys still do it...why oh why??? Think its time for a little OFT.
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