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  1. Is there a post anywhere showing which companies are linked together please? Its funny that as I phoned one company yesterday to make a payment suddenly I have 20 spam texts and emails from other PDL's offering me GUARANTEED MONEY FOR THE WEEKEND!!
  2. I phoned the court but it seems impossible to speak to a human being... following the options for a CCJ you just get a record message stating if you want a certificate of satisfaction () you need to send them £15 plus your name and address and reference. I dont want a certificate I just want it cleared from my file... what should I do ?
  3. I think clear account are slightly different though because you have to give them direct access to your online banking account, so I'm not sure it would be a CPA?
  4. I would let them sell it on and then setup a repayment plan with the debt collection agency
  5. I cannot seem to find a contact phone number
  6. Tower Capital are now saying they will forward me an email which I should send to Northampton court to remove the CCJ - surely they should be doing this? Also she said that it can take up to 3 months for a CCJ to be removed from my record? Surely as it should have been removed last year they should be able to get it taken off immediately? Arggghhh!!!!
  7. They said they would email over to the court and CC me into the email, I haven't received the email yet though.. I will call them back next if I don't get the email
  8. It says unsatisfied, that is why I have been trying to get hold of them because I know I paid it off. But they seemed to go off the face of the planet and I didn't have a working contact number for them until invmatt's post above. When I phoned them today they said they def. sent info to the court but that they will send it again today. I'm guess it could take a while to come off my credit file even if the court actions it quickly?
  9. My credit report on Noddle is 1/5, the only thing in the public section is this unsatisfied CCJ. When it gets cleared should my score increase?
  10. I only spoke to them about an hour ago, don't know how long it would take to update?
  11. I got through to them and they said that they emailed the court when it was satisfied (over a year ago), they are going to email them again. Thanks for the phone number
  12. I am going to try that number as they also need to remove a CCJ for me, thanks for the info!
  13. I cannot offer professional advice but I can tell you what I did, and that was to get a new bank account and get my wages and important direct debits moved over to that, and then let the Payday loans default when they try to come out at the end of the month. YES you will get phonecalls and you can either answer them and say that you want to arrange a payment plan, or you can ignore them and email/write to the companies in order to try to setup a repayment plan Once you have one month of not paying off the PDL's in full it will make such a difference, I think its worth the bit of hassle that you will get from them to start with. Also get any CPA's on the 'old' bank account cancelled so that you don't run up an overdraft with the bank when the PDL's try to take their money out.
  14. The advise I would give is to get another bank account as soon as possible, and have your wages paid into that, because it's possible they will still be able to take the money out of your account, and yes people will say that you can claim it back but that is extra hassle if you need the money to pay bills and will just make things worse. Once your money is safe then never give your card details out again and ask the loan companies for the account details so that you can pay them directly
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