Neilj99 - Why don't you accept the 80% discount of there charges and interest because the £866.00 they say you owe the 80% equates to £692.80 which would leave you to pay in a Full and final settlement £173.20 you have 31 days from the date of the letter to pay that amount but wouldn't it be worth it to pay them otherwise you are looking at paying nearly 4 the amount you borrowed where as you can save because you would be effectively up by nearly £80 if they gave you £250. I do understand that you might not be ab;e to afford it in one lump sum but maybe a family or friend? Just that I know a friend that got stung by these guys and they do take you to court and get the ccj's! All the best though

Has anybody had any luck I have sent loads of emails and letters none recorded though to them about my refund for the £75. was wondering what experience you guys have had to get your refund?

Scott I would email a guy called Stephen Jones he is in the collections department and sorted my debt with them over 6 months after comprising for a 12 month he wouldn't accept without the I&E form which I said I was unwilling to give but send him an email at stephen.jones @wagedayadvance.co.uk he done mine with the £36 fee over 6 months!

Just to add my bank Halifax say they cant do any fraud investigation as I have given them my bank details but I would prove that eze loans never took any money it was a company called easy loans which are the same people! And the date about the 28/03/11 was when i opened the account as it were and not the 14/03/2011 like the letter reads as in the deadline was the 28/03/11. the 5/4/11 was when they started saying they will cancel the monthly charges! But This was opened in march and they took the payment on the 28/4/11 a month later

Hi all I wanted to know if somebody could help me I have had a fee of £74.75 for something I didn't want and cancelled. I opened the account as it were on the 28/3/11 and cancelled on the 30/3/11 and continually ever since below is a copy to prove I cancelled but they won#t refund the money any help would be appreciated! As per the Distance Marketing Directive (2004) you have 14 days from the day you sign up - which in your case was 28/03/2011 – in which to contact us and request a refund. As the first contact we had from you was on 05/04/2011 you were over the time limit and therefore are not eligible for a refund. I will cancel your monthly subscription with immediate effect and your on-going membership fee of £8.89 will not be collected. I will leave your personal profile active until the end of your current membership period and then turn it to an inactive status. If there is anything else we can to do help please do not hesitate to ask Kind regards Chris Customer Services ezeloans.net

Once you cancel your direct debit they will keep calling you they dont have payment plans, they will add £59.00 charge for passing it over to a debt collection company remember you pay the loan amount and 1 months interest! They will then pass the debt over to Clarity which will accept anything

I dont know who own the debt but I am assuming that PDUK own the debt?

I took out a Pad day loan for £250 with PDUK I defaulted on the payment at the end of January. I buried my head in the sand and didn't answer there phone calls so in March they passed the debt to Keyes Whitlock I emailed them explaining that I would like to set up a payment plan and they wanted a I&E which I said no i wouldn't do that they then wanted payment in full which wasn't possible saying they were going to take me to court the normal threats etc! then in March I got a letter saying I could have 25% of the debt if I paid in full I thought ok get the debt gone I will borrow money to pay this off then I put the money into the bank account the next day when I was about to phone them I checked my bank and they had taken £156.25 50% of the debt without my permission, so I emailed Keys and said they had taken the money from my account without my permission and they said they have every right to do so. I then said so from the debt I owe them £78.12 and that would clear the debt after the letter i got and they said they don't do discount and prove the letter they then said ok but they want the original debt money of £250 - £156.25 so I have to pay £93.75, I said no I will pay the 73.12 but now they have passed it over to a company called Equidebt? They now want the full money without the discount so I owe them £156.25 Has anybody had any dealings with these people? Any advice would be appreciated! Thanks

they are saying if I don't pay the amount in arrears by Monday then they could apply for a bankruptcy order in accordance with the “enterprise act 2002” and seize the vechile because I am late I wanted to pay it in full but am unable to understand why I couldn't on the credit card? does anybody know anything about this I only owe £6,000 and the arrears are £900

I took out car finance with a company called Private & Commercial Finance in October 2007 paid my first payment of £211.76 in the January 2008 and the agreement is for 5 years so will end in December 2012, but last year I was having a bit of difficulty with my finances and Private & Commercial said they would reduce the payments by £50 a month for 9 months to help me with the arrears and get myself back on track then in November I cancelled the DD because I knew there wasn't going to be enough funds for the payment (increased). So I have missed November, December, January and Feb payments But in January a collector come to my door to reposes the car yet now says he wants to come to an arrangement!. My cousin said she would pay the missed payments of £795.28 but not the £85 charge for the guy to knock on my door so I tell the collector guy they refuses to give me his company name and he wants my cousin to give him her credit card details over the phone from his mobile may I add, so I told him I would be paying it tomorrow this was on the 17th feb so on the 18th I ring up to pay the amount over due and the company tell me that I can't pay by credit card even though they all knew I was paying on my cousins credit card I could only pay by cash or debit card because of OFT rules, I have looked and can't see anything on the OFT about this but now they are taking me to court for the vehicle to be repossessed? Can anybody help with this? this is the email about the FSA I am afraid we cannot accept a credit card payment on your account at this present time due to the FSA rule of using a credit card to pay another credit agreement more than 7 days in arrears. We would have accepted this form of payment if you were merely paying an instalment that was due within a 7 day period of the billing date. As your arrears is 109 days in arrears, it is impossible to accept a credit card payment on the account. Can you please withdraw the cash and pay into our Barclays Bank Account details below

thanks tomtom I have just copied and pasted basically your letter and added some and got a reply from the collections manager saying they accept my repayment plan over 9 months not 12. funny how they change there minds when you copy in there bosses! ahh

cheers Bazooka Boo, I have emailed the consumer direct people about the actions that Mackenzie hall are taking How do I contact Alan Stewart at east Ayrshire Trading Standards? Thanks

got a question can Mackenzie hall write a letter to your employer? by law? I got really embarrassed when my personnel manager gave me the brown letter marked urgent on it, Im glad she didnt open it though

how did you get wonga to do a 6 month plan? they wont accept anything off me unless I do it over 2 months with all charges applied?

cheers thats what I thought I told them what I pay in a month and the total thats all!

Hi All Yesterday I got an email from Mackenzie Hal (Quick Quid)l saying they will accept token payments until my finances improve (Feb) from £879 down £35 per month until Feb then make payments of £150 but want all my creditors names and amounts outstanding should I give them this information? I have told them the amount of debt I have and the end date of some of it. Pay-day Uk one with Meritforce have accepted £50 from the balance of £562.50 if I pay the odd £12.50 now which I am going to.

Hi All Yesterday I got an email from Mackenzie Hall saying they will accept token payments until my finances improve (Feb) from £879 down £35 per month until Feb then make payments of £150 but want all my creditors names and amounts outstanding should I give them this information? I have told them the amount of debt I have and the end date of some of it.

Thanks Elsa, I will do that now I got a letter today from meritforce saying they are coming to my home for door step collection

Hi I am with Mackenzie Hall for Quickquid & Payday UK I got into trouble early this year with two pay day loan companies I had to stop work and had very little income so couldn't pay them. I understand that I have to repay what I owe and have kept them up-to-date with everything well in September they passed the accounts to a debt collection agency called "Mackenzie Hall" I made an arrangement with them but due to Natwest defaulting my bank account all my money in that account was lost so the agreement was cancelled they have since sent me many letters and phoned loads of times (which I dont answer) and now sent a letter from Meritforce saying they will take me to court I have emailed them 3 times before this to arrange a token payment until feb when my finances get better but not received a reply from them once what can I do? I don't really want to get a CCJ because work will find out but what happens next does anybody know? Please help

I got into trouble early this year with two pay day loan companies I had to stop work and had very little income so couldn't pay them. I understand that I have to repay what I owe and have kept them up-to-date with everything well in September they passed the accounts to a debt collection agency called "Mackenzie Hall" I made an arrangement with them but due to Natwest defaulting my bank account all my money in that account was lost so the agreement was cancelled they have since sent me many letters and phoned loads of times (which I dont answer) and now sent a letter from Meritforce saying they will take me to court I have emailed them 3 times before this to arrange a token payment until feb when my finances get better but not received a reply from them once what can I do? I don't really want to get a CCJ because work will find out but what happens next does anybody know? Please help

I took out a loan of £2,000 in December 08 to repay £143.15 over 24 months. In June 09 I missed a payment so I contacted them to arrange paying 1 and 1/2 over 2 months plus charges they accepted and took this money then in January this year I missed another payment and did the same thing with them then once once this arrears was clear I got a phone call from my account manager asking me if I would be interested in paying a bit extra to lower the interest so I accepted to pay £150 from April this year in August I phoned up to get a settlement figure was told the balance was £678 they have charged me £25 both missed payments and £5*8 = £40 for processing 4 payments because its done separately meaning the 143.15 + 71.58 plus for the first 6 months getting interest on interest of £1.12 now from Feb this year getting charged £2.25. so in total for missing 2 payments each over the term which ends in December (thank god) I have had to pay over £200 in charges! I complained to my account manager he tells me there is nothing he or I can do about it.