Just sent this too as i workoed out the "interest charge" is £3.10 per day. Ref: xxxxxxxxxx Hi there. I recently sent and e-mail to yourselves, but i have not heard a response. From the 17th June the balance on my account was £953.60 and today 21st June the balance on my account is £966.00 That works out to a interest charge of £3.10 per day which is incorrect as my original loan was £160 therefore the 1% interest charge should be £1.60. I'd like to know why this error is still in place. If the interest was correct i would have been in a position to pay off my debt. As it has now escalated due to your error, i cannot. I would like this seen to and corrected as quickly as possible. Thanks This is on the contract Total Charge for Credit: The 'Total Charge' for Credit depends upon the amount you borrow from us. The following shows the total Charge for Credit you will pay for the different amounts that you can borrow what depends of loan amounts: 1) Interest charges: 1% per day of loan amount. 2) Fixed Fast Advance Transmission Fee £5.50. 3) Loan request charge £1 if made by text message, online request is free KEY INFORMATION If you break this Agreement, we will charge you if we unsuccessfully attempt to obtain repayment on the due date for repayment. A fee of £25 will be charged on the day that your missed payment was due. If we unsuccessfully attempt to obtain repayment on the due date, we will attempt to obtain repayment a second time 3 days later, and if we unsuccessfully attempt to obtain repayment on this second occasion we will charge you a further amount of £55. Interest on any sum in arrears will be charged at the contractual rate, both before and after judgment, until payment. Also, you must pay us all other reasonable costs and expenses we incur (including any legal costs on a full indemnity basis) in tracing you, or enforcing, or attempting to enforce, our rights under this Agreement. So am i right to think that as my original loan was £160 the interest should only be £1.60?

Alot of companies like BG kind off "forget" they have debtors. I used to work for SRJ and we had SKY accounts that were 5 years old. Someones realised its getting late and close to the 6year statue barred so they claim against you as after 4/5 years you're not going to keep all the paperwork its stupid. BG will continue to pass the debt around to other agencies until one collects it. I think because you "admitted" the debt to moorcroft by paying them it would go against you by saying you dont acknowledge this bet. If the service provider you're with now said that they had to replace the meter because it was old and read incorrect readins they would have proof of replacing the meter and the reasons why. Contact your providers now asking for a copy of that paperwork as that will have the proof that the meter was faulty and could give incorrect readings.

it's only classed as harrassment if they contact you by each means more than once a day unfortunately. So they can call you only once per day at work they can call once at home they can e-mail you only once per day the can write once per day and they can text once per day. aslong as it's once per day per means that can get around it.

Hi there i sent this to mini credit so everyone can see my situation and i dont get a record of the e-mail i sent to them. Any advice? Stevie Wooldridge Ref No. ********** Hi there. If possible i'd like to know all the details about my account. I had someone paying money on behalf of me so i wanted to know if those payments had been allocated and when. I'd also like to know a break down of all charges so im fully aware about what i owe. Due to my calculations i owe £465.60 From after i paid the roll over fee on 27th jan Original loan: £160 Interest @ 1% per day x 141 days: £255.60 Plus the two extra charges of £25 and £55 Comes to £465.60 You say that you charge £100 everytime a door step collector is sent out but i had had no doorstep collector, nor had any contact information do talk to them or set up the required appointment. Therefore you cannot charge for what hasn't happened yet. Another enquiry: In "Repayments it states that i owe £953.60 as of 17th June (Today) In "Cash Repayments" It states i owe £1027.98. How can i have two different balances? As i am in a debt management agency all my extra money off £250 per month goes to them directly. So i have nothing else to give every month. So i have no way of getting this money to you other than through them. I am stuck as to what to do as you are unwilling to assist me when i have rung you and said i'm having difficulties and have set up a dma but the only way it would be settled is if i pay half the balance one month and the rest the next month. Which i said i cannot do. Your reply: It will just escalate further if i dont not pay the balance in full. For unwilling to assit me when i cannot pay the balance you are breaking the law and the OFT guidelines in which you are regulated. I know i owe the money and i am willing to pay it but i cannot do this in full. I need your help so we can sort this out fairly. If possible could you please send an e-mail back to me or something in writing. Thankyou My last letter was the "Last letter before legal action" Amount overdue £838.30 Debt recovery cost £100 Total Balance £864.40 Which again makes no sense to me whatsover. I wait for a swift reply.

Hi guys my loan was £160 its now £910 there is no way i can pay that. Does anyone have the phone numbers? E-mail address and correspondence address for this company?

The best thing to do is contact Premier Man, find out via their website. If you were repaying via direct debit it may have been cancelled or withdrawn and you did not know or forgot. You can email SRJ at [email protected] and ask them to send a copy of the bill so you know exactly what the £512 is for. Unless you have proof that you don't owe this money then it is wise to start a repayment scheme, most only let you pay £20 per month unless you send a financial statement. Only phone SRJ if you are willing to make a payment otherwise they're not much help.

Hi there, yes it is legal for them to charge for opening a text message. You should receive a letter from them soon, it is best to find out what the debt is about otherwise you have nothing to go on. OFT and TS wont help you because SRJ are regularly visited by both parties who still allow them to continue. SRJ have a lot of solicitors. I know this because i was an employee.