was it a DD? if so you would have to sign one. £1 what an odd amount, when was your last payment before this and was it for more than a pound? i reckon they're at IT! just keep asking for proof and remember never give them your signature as im sure they will put it to a constructive use. Keep this account in dispute that way that cant do scooby!

any idea what welcome branches are being closed down? i bloody hope its the edinburgh one......bloody baboons. (guess thats an insult to the baboons, dont think they would like to be referenced as welcome employees)

there trying something similar with me. last payment was 2003 but they're saying not satutued barred as there was a failed DD in 2006.... what the hell! Im in scotland so the satutued barred is only 5years and not 6.

i do, it comes under Cabot ! yeap this has been going on now for about 2 months. Time to get the trading Standards and OFT in.

i have informed them of this, but they say there was a failed DD in 2006 which does not make it Statute barred. Their letter has become more aggressive with mention of court and its their right.... sounds desperate to me. im looking forward to seeing this evidence of the failed DD. Cant find anything on my online account(as a charge would have been registered). odd how last payment was 2003(they say) and then a DD (failed) 3years later...whats with the gap? it was also for an odd amount! Their at it!

think all payday loans are unsecured.... dont go down that road mate...there all pirates.... you'll borrow and something will happen and then you'll extend the loan and this will just keep happening...you'll probably pay back more in interest roll overs than the loan itself...thats how they work...... the lesser of these devils is safeloans. keep away from wonga and payday express their comms are awful they hardly ever reply..they always ask you to phone but you never get throu. anyway if i wanted to talk to a brick i would speak to the garden wall! not worth it.

long story short. cabot got in touch with me several months back about a debt from 1998. i was informed a payment to the account was made in 2003....i replied i had no knowledge of this debt and couldnt understand why no one had been in touch with me before. i emailed and wrote back telling them this and saying the debt was statued barred. after much time wasting by themselves with letters telling me they have to get in touch with the creditor and so on, i finally got a letter this morning telling me that the debt is not statued barred as there was a failed DD in apiril 2006... now if the last payment was 2003 where the hell did this 2006 DD come from? Does anyone here think there getting desperate. il be sending emails and letters to them enquiring about this DD, interesting to see what they'll come up with as i cant seem to find any thing on my bank statements(if it failed i would have got a bank charge). do you think i should i ask for a CCA and after 14days if i havent got one tell them where to go? im not actually bothered by this as i feel there monkeys

long story short. cabot got in touch with me several months back about a debt from 1998. i was informed a payment to the account was made in 2003....i replied i had no knowledge of this debt and couldnt understand why no one had been in touch with me before. i emailed and wrote back telling them this and saying the debt was statued barred. after much time wasting by themselves with letters telling me they have to get in touch with the creditor and so on, i finally got a letter this morning telling me that the debt is not statued barred as there was a failed DD in apiril 2006... now if the last payment was 2003 where the hell did this 2006 DD come from? Does anyone here think there getting desperate. il be sending emails and letters to them enquiring about this DD, interesting to see what they'll come up with as i cant seem to find any thing on my bank statements(if it failed i would have got a bank charge). do you think i should i ask for a CCA and after 14days if i havent got one tell them where to go? im not actually bothered by this as i feel there monkeys.

Shocking! 'There may be trouble ahead'? But on the other hand a good marketing ploy by Plonga Wonga, their share holders will be rubbing their hands!

Wonga now in the papers as they appear to be now doing something on the iphone... its seems you can now apply for there 'friendly' loans using your phone now... i can see this snow-balling into money problems for alot of people. Goto Daily mail and the money section..read the wonga comments...i cant believe the great praise these people are getting(maybe they were written by wonga employees?)

how do you start a new thread on this website?

how do you start a new thread on this website?

good luck! reading throu other threads about these sharks i reckon you'll see their true colours soon.

send them letters explaining situation. get interest and charges put on hold, offer to pay each one back 150 a month. everything in writing, none of this phone carry-on (you'll probably end up with sid james on the other end. and i doubt he'll make you laugh!). cancel debit card. when making payments Standing order, postal order or get yourself a prepaid mastercard and put the funds on that. if you give them your new bank details they will just 'help themselves'. remember to copy and keep all sent and received letters. for if the s=== hits the fan and it goes to court if you have evidence that you offered a repayment plan, they really cant do scooby. :)good luck.... these people are still loan sharks but over the net now!

cancel your debit card, your DD's to these people. send emails/letters to them explaining your situation (also request all communication to be done by letter) and get a stop on interest and charges(as these will totally screw you) keep a copy of all letters sent and recieved. Offer to pay them monthly what you can afford but keep it a reasonable figure if you offer to pay 5pound a month for a 300 debt it will just **** them off (not that there not already ****ed). Remember everything in writing as anything said over the phone can be twisted or denied( probably best not to phone). About your DD's when you cancel them at the bank hand in a letter naming the companies that may attempt to process a DD again without your knowledge. If a DD leaves your account and a letter has been filed with the bank, any DD paid to the named company has to be financally covered by the bank. Dont think your settlement figures are going to be any lower than your initial loan. Dont roll over or extend, thats the expensive way of 'not getting out'.

think you should just inform the missus and let it goto a CCJ. The CCJ will take about a month or so to be issused and then you'll have a month to pay it off(as payed within the month the CCJ will not be on your credit file) you'll probably have 2 months min i think...... important thing is the mortgage..make sure thats paid of monthly....sod the bleeding banks!

you can cancel a direct debit on the day it leaves your account, it shows up as having left but at the close of business it should be returned. some bank staff will tell you its too late but i feel that some of them really dont know much about banking.

10pound a month for a 930 debt, thats 93 bloody months...sure you got that right?

willy53 or is it willy69. do you know what bi polar is?

now now, language! you know within yourself that i make perfect sense, you just dont want to admit it.

why do you people borrow money and then not pay it back, you all read the contract and sign it (or is the contract in another language?). I also believe alot of the advice on here is a bit dodgy....these companies will get there money. Anyway you have to look at the long term- you screw them now- they'll screw you, but you'll pay later when you cant get a mortgage or credit.

the question was, is there a limit on the number of charges they can apply to your account in one week? as i was writing my initial thread i received a letter from logbook(another £12) odd how they're now saying they will take my car if i dont pay the outstanding balance in 16days (£88). this suddenly seems to have come about when i started complaining about them several weeks ago.

foolishly i took out a loan with loan shark loans opps logbook loans. ive been paying almost 12 months and still have 6 more to go. my initial loan was 500 pound and i was quoted a settlement figure of 700...what the hell ? this company seem to have excessively been charging me, phone calls letters, almost 3 charges a week and each one is 12pound (my loan repayment is approx 22 a week). is there a limitation on the number of charges you can receive in a week. its worked out ive paid 1144 so far and still owe 572, these figures are probably without charges added on. my settlement figure which is valid for 7 days is 700...so i really dont know the true figure... seems a bit suspect!!

cheers for the info, im now on the case.

keep away there loan shark loans, i got 500pound. been paying them 92 a month for the last 12months and still have 6 months to go. at one point there were charging me 3 times a week for phone calls which i never received. one story i got was that i wasnt at home at 1030am so they tried again at 1130 am....bloody twats i was at work an they charged me 12pound a call.