Thanks robjam

If he is taking that attitude today I don't think I am going to even give the courtesy of a response. How does this man sleep at night!?! I have also been thinking about a CCA request, I am trying to research them a bit more but I'm not sure they would apply in this instance with PTP.

Thanks Candyflosspot I think I am going to do just that. What would be the point in me ringing them now anyway if they refuse any kind of payment offers made to them - ring them just so he can insult me down the phone (as he seems to do with many others ), errrmmmm No thanks I don't think so. Are you going to do the same? From what I have read on here and other forums Clarity seem reasonable to deal with as long as you make them a reasonable offer which I intend to do and have done to PTP. Just thinking on PTP are hardly an advertisment for responsible lending as when I think back my limit to borrow was just £100 month per month less than what my actual salary is (even though I never borrowed qute that much) so with the fee's they charge on top it would have been more than my actual wage.....

Just another update - I have received this email from Gavin Armstrong after compiling a cpmpletely reasonable email to PTP asking them to stop ringing, freeze interest and accept a payment offer.... The email you have sent us today is unaccepable. First of all I need to indicate that you did not have the courtesy to inform us that you were having difficulty with your loans before I rung. Secondly there was no harassment regarding the 2 phone calls left. With regard to your statement that the debt is in dispute due to ‘unlawful charges’. Please note that a charge would be considered ‘unlawful’ and would go against the ‘Unfair Terms in Consumer Regulations 1999’ providing the charge was not negotiated prior to the signing of the loan agreement. Before the loan agreement is digitally signed with PoundsTillPayday.co.uk in order to have funds issued to the customer’s account, it is clearly stated under ‘Key Information’ that a default charge of £59 would be incurred should the customer fail to pay back the loan on the agreed repayment date. This is charged on just 1 of your accounts. The other fees are waivered. When a customer signs the aforementioned agreement, a copy of which can be provided upon request, it means that the customer has agreed to the terms of: 1) Paying the loan plus fees back on the agreed repayment date of the customer’s choice. 2) Should the customer fail to pay the loan back on this date, they agree to have a £59 default charge added to the total amount owed. The email received also mentions ‘The Office of Fair Trading Code of Guidance’ and putting pressure on debtors when ignoring disputes. When a customer signs the loan agreement, they are acknowledging the fact that they are in debt to PTP for the amount of the loan plus fees and, providing they do not pay on the agreed repayment date, they are also acknowledging the £59 default charge as part of the debt. It is stated in the e-mail that due to the nature of the calls and messages you have been receiving you would regard any further approaches other than in writing as harassment. Please note that all communications are done within OFT (Office of Fair Trading) guidelines and if there was any form of harassment, this would be taken into consideration and treated very seriously. A few very important questions need to be answered regarding this matter : 1.On what exact date did you become no longer employed? 2.When you signed the loans you signed a digital signature advising that you will pay back the loans on the due date. Did you take out the loans knowing you could not pay them back? You can still reloan if you so wish when the loans are paid back and when you are back in employment. However if they are not paid off, you will cease being a customer of ourselves and lose your status as a excellent customer of PTP as you say in your email. All your details will be passed onto 3rd party recovery who faciliate door to door recovery. We do not and have never offered payment plans. As per the last paragraph your loan goes out to 3rd party recovery after we have the loan for 34 days for non-payment of the loan. Please note that you still have an outstanding debt to PoundsTillPayday.co.uk and this would need to be paid in full by the 31st of March. Should you require any further information, please do not hesitate to contact me on 0800 234 69 55. -- Sincerely, Gavin Armstrong Account Manager I am wondering what to do now? I have never mentioned to them that I have become unemployed so I have no idea why he is under this impression. The only thing my email stated is that due to a change in my personal financial cirumstances -basically I am so much in debt and reloaning with this company month after month and paying their fee's I barely have any money for my essential bills-mortgage and council tax and food both of which I have also fallen into arrears with recently which I am also trying to address. As Candyflosspot states I will gladly payback what I borrowed but I can't help feeling slightly intimidated by the way they seem to do business. :'(

Just a quick update, I have received the below email from PTP following my emailing advising of a payment offer....should I just continue to stand my ground and waiting until it goes to Clarity if that is the way forward. Dear Ms **** Thank you for your email. We acknowledge receipt of your e-mail which we have forwarded to our Payment Services Department for their attention. Kindly note that Payment Services are only available via phone and would not be able to answer queries via email therefore we encourage a call to them at your earliest convenience on their freephone number 0800 234 69 55, their hours of operation are 8am to 8pm Monday to Friday. Thank you for choosing PoundsTillPayday.co.uk Kind regards, Shorona Customer Care Representative

Just to keep you updated I emailed PTP with a payment offer and have received the below back Dear Ms ***** Thank you for your email. We acknowledge receipt of your e-mail which we have forwarded to our Payment Services Department for their attention. Kindly note that Payment Services are only available via phone and would not be able to answer queries via email therefore we encourage a call to them at your earliest convenience on their freephone number 0800 234 69 55, their hours of operation are 8am to 8pm Monday to Friday. Thank you for choosing PoundsTillPayday.co.uk Kind regards, Shorona Customer Care Representative Should I just continue to ignore until they pass to Clarity?

Hi WBB, Have you tried speaking to Consumer Credit Councilling Service or Citizens Advice - maybe they could advise you of the next steps? In the interim I would write Quick Quid a letter explaining financial circumstances etc and make and offer of payment in the letter and ask them to freeze interest and charges thats if it then does come to worse case scenario (court as they seem to threaten in some cases) the judge can see you have been reasonable in trying to make an offer and probably would take a dim view on a) The company taking it to court when you have taken reasonable steps to negotiate and b) The interest these type of companies charge in the first place. Good Luck. Just going back to PTP I'm a bit worried too as when I first loaned with them they took phone numbers for two of my friends - I would die of humililiation if they contacted them. Has anyone else heard them contacting friends? Just want to say that although I have only been on here a few days I have found a lot of helpful information in how to start dealing with financial problems head on rather than just burying my head in the sand and borrowing more and more and sinking deeper into despair so Thanks everyone who has responded to my posts so far.

Hi peeps, I'm pretty new on here and have been reading the advice on PTP with interest. I am currently receiving numerous urgent voicemail and text messages and emails (default notice charges) from the famous Gavin Armstrong despite the fact I have emailed their customer care team to advise in my change in circumstances and that I would contact them with an arrangement. I have had to cancel my direct debits which were due 26/01/10 due to a change in my financial situation and have had loans with this company on and off for approx the past 4 years (yes silly me I know but once you start it is a very quick downwards spiral) and this is the first time I have had to do this. I dare not think about the interest I have paid over this time period as it has been anything loaning from £100 to pay a phone bill to £700 one Christmas Anyway, I do intend to pay them and I am in the process of getting together a financial statement detailing my situation and make smaller more manageable payments to them - I also want to get out of this endless cycle of borrowing with them. I dread every pay day as my money isn't my own and not been able to sleep at night with worry. I am puzzled though as when I rung my bank (Alliance & Leicester) they said that although PTP have been collecting regular direct debits from my account there is no actual direct debit set up. Does anyone know if this goes against banking regulations or the direct debit regulation scheme? Also, will it be ok without closing my account as my bank have assured me that they won't allow any direct debits to be taken from PTP? Any help/advice or template letters would be gratefully received as I need to try and find some light out of this very dark tunnel. Or should I do a CCA request with them due to the amount of time I have been loaning with them? Thanks x

Thanks for the advice XXX1. I will do. It's a minefield of how to deal with them. Good luck with the letter hun. I'm just getting together mine too.

I've been reading this discussion with interest due to my situation with Pounds till payday. I am currently receiving numerous urgent voicemail and text messages from them despite the fact I have emailed them to offer payment and explain my circumstances. I have had to cancel my direct debits due to a change in my financial situation and have had loans with this company on and off for approx the past 3/4 years (yes silly me I know but once you start it is a very quick downwards spiral) and this is the first time I have had to do this. I dare not think about the interest I have paid over this time period. Anyway, I do intend to pay them and I am in the process of getting together a financial statement detailing my situation and make smaller more manageable payments to them - I also want to get out of this endless cycle of borrowing with them. I am puzzled though as when I rung my bank they said that although PTP have been collecting regular direct debits from my account there is no actual direct debit set up. Does anyone know if this goes against banking regulations or the direct debit regulation scheme? Any help/advice or template letters would be gratefully receive as I need to try and find some light out of this very dark tunnel. Or should I do a CCA request with them due to the amount of time I have been loaning with them? Thanks

I sympathise with you completely Mancboixxx. I have had to cancel my direct debits with PTP due to a change in my financial situation (also getting out of control) and have had loans with this company on and off for approx the past 3 years (yes silly me I know but once you start it is a very quick downwards spiral) and this is the first time I have had to do this. I dare not think about the interest I have paid over this time period. Anyway, I do intend to send them a financial statement detailing my situation and make smaller more manageable payments to them - I also want to get out of this endless cycle of borrowing with them. Is it better to try and negotiate payments with their agents Clarity rather than PTP? I am also puzzled as when I rung my bank they said that although PTP have been collecting regular direct debits from my account there is no actual direct debit set up. Does anyone know if this goes against banking regulations or the direct debit regulation scheme? Any help/advice or template letters would be gratefully receive as I need to try and find some light out of this very dark tunnel. Thanks x

Please can anyone offer any more upto date advise on recent dealings with this company. I have had to cancel my direct debits due to a change in my financial situation and have had loans with this company on and off for approx the past 3 years (yes silly me I know but once you start it is a very quick downwards spiral) and this is the first time I have had to do this. I dare not think about the interest I have paid over this time period. Anyway, I do intend to send them a financial statement detailing my situation and make smaller more manageable payments to them - I also want to get out of this endless cycle of borrowing with them. I am also puzzled as when I rung my bank they said that although PTP have been collecting regular direct debits from my account there is no actual direct debit set up. Does anyone know if this goes against banking regulations or the direct debit regulation scheme? Any help/advice or template letters woould be gratefully receive as I need to try and find some light out of this very dark tunnel. Thanks