Hi, Please can someone help I'm worried that my bank account will go way overdrawn tomorrow and leave me in an even worse mess than I already am. I am setting up a debt management plan at the moment and as everyone knows, it takes a bit of time. Before going into this, I emailed all my creditors and cancelled the CPA that was set up and I also wrote to my bank to cancel. Nobody has taken any money since and so I am guessing this was actioned properly. Myjar, emailed me on that day to confirm the CPA had been cancelled and when I log into my Myjar account, it says card details as **** **** **** no numbers at all. If anyone reading this has a Myjar account please can you log on and see if this is what it says on your "my details" page or whether it does show a few numbers? I'm just trying to work out if they have actually deleted the card details and that this is just a threat. I thought that if they had confirmed that they had cancelled the CPA, then they could not take any payment from that card as it was then illegal? Am I right? I feel quite sick at the thought of my bank being overdrawn tomorrow morning by over £200 so any help would be great. It does say on the text to ring them if I can't pay but I don't want to be ringing anyone, I'm trying to sort all this out the correct way and they're just being impatient.

Hi all I applied for the classic card on Sunday 6th July, got accepted, they said "make room in your wallet, your card is on the way" said 7-10 days. However, I have received no emails whatsoever, no PIN and no card as of yet. Then this morning, I got a text message saying it was from Capital One and to call the applications team. Has this happened before? I'm a bit worried about calling in case they have now declined me or in case it's not really a text from them.

Thanks for the reply BAYV. I have tried to ring Edith but can't get hold of her so I just rang customer services and the lady said she had amended the direct debit instruction the the 16th and that I will receive a letter to confirm. She says I won't need to put anything in the meter it will just run the same and that my payment will come out on 16th rather than the 1st. Hope she's right lol !! Thanks again.

Hi, We currently have a couple of things with bayv. Yes we know a lot of people don't like them etc and that the interest is high but it works for us. Anyway, we pay by direct debit on the 1st of each month. we still have a meter fitted to the T.V in case of any problems with the payment and then we can put in coins. I had to do this once when we switched banks but only for one week while they switched over. My question is just a simple one really and as it's now half past 7 on a Friday just asking.. Since we set up the date, my payday has changed and I now get paid in the middle of the month. We also get our tax credits each week on a friday. So if I ring up buy as you view on Monday and explain this, can I change the payment to the 15th (starting 15th Sept) or maybe to a weekly one without having the ball ache of putting in coins and then ringing to get someone to come and empty the few that are in the meter? I know they always say they need 2 weeks to alter a direct debit so if anyone knows can you please let me know. Thanks.

Yes, good advice thanks, Well.....she just rang me and said she logged into her account and there is a new account showing (obviously the loan account) It says -9000 and available zero. She clicked on it and it says paid out 15th June but there is nothing been paid into her bank account so now she is panicking. She can't ring them up because she has forgotten the pin for telephone banking and when she tried before they said she had given wrong one and wouldn't speak to her. Any ideas on this please guys??

Hi thanks for the replies and we have had a look at Zopa but she wasn't too keen. Anyway, she has applied today online with Natwest and it said she had been approved and once she signed the agreement online it says the money will be in her account the next working day. She wants to get the ball rolling with the home improvements but is still a bit unsure as to whether they may do final checks etc and change their minds. Does anyone know if this does happen with Natwest or has it happened to you? She just doesn't want to book appointments and then get a call on Monday saying sorry, NO or do you think she has got it and can get on with things now?

Hi, Hope I am in the right place with this, My Mum in law doesn't really have much debt etc but has had credit in the past and always pays household bills on time and basically has a very good credit rating. She is recently widowed and gets around £1000 per month income from pensions. She has asked me for advice about getting a loan to sort out her home ( she shouldn't ask me for advice, my credit rating is terrible) So I was hoping you guys could help. She has banked with Natwest for donkey's years and even has a £3,500 overdraft which she never touches but she is afraid to apply for a loan in case they refuse her saying she can't afford the repayments. I said just apply and see what happens but she won't, she wants to know if they would say no BEFORE she applies (yes crazy I know) So, She wants just over £9,000 for 5 years. The website quotes £197 per month and as I said, credit rating is very good so what do you think they will say? Will they accept her or turn her down? Somebody give me some advice please as she is driving me nuts. She is 64 by the way. Cheers.

Hi, I have recently transferred bank accounts to Nationwide and I had a direct debit set up that is due today (monday) so I transferred the money across from my other account yesterday (sunday) via faster payments and it was there, available, immediately. However, I checked that it had gone this morning and it has but, it is listed first and then showing my balance as -157.00 and then the credit below bringing it back up to zero so if the money was available yesterday, how come it wasn't this morning when the direct debit went out and it is showing as paid in after the dd went out. My question is will this now be returned and charges applied? Doesn't seem right to me!

No they aren't it is an installment loan over 5 years. they have a sister company that do payday loans but this isn't one.

Sorry for the late reply, my internet has been down. It is amigo loans formerly flm.

Hi, I have a loan with a company and I pay it monthly via direct debit. However, I switched bank accounts last month and they transferred all my direct debits etc but a couple of them didn't get paid on time and so I rang them straight away and they said they could take a card payment. Problem was I don't have one but my wife offered to pay it with her debit card as a one off. I have logged on to my account with them to check that the direct debit is set up correctly and noticed that they have stored her card on there as a future payment method. I emailed them saying that my wife is not happy and that they should remove it immediately but they refused and said until I put a debit card of my own on (as back up) they will not remove it!! Can they do this?? My wife is livid!! The loan is in my own name, nothing to do with my wife and we do not have a joint bank account etc.

Hi, I owe money to Paycheckcredit and it was due for repayment in February but I couldn't pay (£400). I tried to email them butthey will not accept any form of contact this way. I am not ringing them as they are very unpleasant over the phone. Anyway, my original payments that I made to them for previous loans always said Toothfairyfinance on my bank statement and not Paycheckcredit. Also, since I defaulted I have had emails from Toothfairy, Paycheckcredit, Northern Debt Recovery, Marshall Hall Bailiffs and now a letter from Appleton Massey Solicitors, all about this same debt it is so confusing yet none of them will allow emails. Also, this last letter from Appleton Massey says I now owe almost £1100 ans as it is over £750 they may start bankruptcy proceedings! All the emails I have received all threaten bailiffs and warrant of execution etc which I know is all false because it has not even gone to court yet. Any advice please as I do not know what to do. I could send a letter offering a repayment plan (like I have been trying to do by email) but who to?? All of them?? it's crazy. I do not want to be made bankrupt and I dont want to pay £1100 or more for a £400 loan. Could they do this without me fighting it?

Hi, I am just asking a quick question here as I tried to ring Tax Credits today and it is closed until Tuesday. I just need to know if your award for the year 2012-2013 is based on last years income (which I think it is) because my wife was getting carer's allowance at £55.55 per week for looking after her father. He sadly passed away last month and so she will not get that this year and so our income will be around £3000 less. Rather than hang on the phone for 6 hours on Tuesday, does anyone know if this is likely to make any difference to our payments? I work full time but my wife does not she now has zero income for herself and we have on child. Thanks.

Hi, No it was a payday loan from paycheckcredit/toothfairy and I paid it off in full it was only paid 2 weeks late but anyone would think I had left it and ignored it for months! Paid it off last week but still receiving emails and texts daily. It's getting me down big time.

Hi, Has anyone please got a working email address for Northern Debt Recovery?? I have tried to email them several times and each time I get a message straight back saying that I must fill in the contact form on their website. However, when I do this, I then get an automated response which has nothing at all to do with my query!! I am so angry it is unbelievable. I cleared this debt in full on Weds last week in cash straight into their own account and I have the receipt but the idiots are continually sending threatening emails daily (still) and I want to complain to these people as high up the ranks as I can. They are so bad, trying to tell me that they have passed my case to bailiffs which I know is illegal as it was never a CCJ to begin with and I only actually paid it off 2 weeks late! Anyone??

Anybody??? Had 2 more emails today saying payment unsuccessful and that the balance is now £891. What do I do? When I ring these muppets they just keep saying it may show in a few days. Shouldn't it have been there straight away if I paid it into their account in cash at the bank? What's going on?

No I paid it inside the Barclay's bank into their account. They gave me their bank details so I went in and paid in cash.

Hi, I have just paid off my paycheckcredit (tff) loan it went to NDR even though it was only 2 weeks late and I paid in full using their bank details on Wednesday just gone and I have the receipt from the bank here. However today I receive 5 emails threatening bailiffs, court, recovery agents etc, and demanding the money. I rang and they said there is nothing showing and it may take several days. How is this if it has been paid directly into their account? Also, the emails now say the debt is much higher than it was when I cleared it due to the extra days and charges. Any help please?

Well here is an update: What a joke!!!! I actually managed to get the money together to pay these clowns off. I was told on Wednesday just gone the total owing was £477 so I got their bank details off them and went into Barclay's and paid it. I have the stamped receipt in front of me. I rang them afterwards to say I had paid and they said OK thanks. Now today I am bombarded by texts and emails very nasty ones demanding payment in full (which is now £531) and totally dismissing that I have paid it off. I rang again and they said oh it may show up our end in a few days!!! WHAT??? I paid it into THEIR account so what are they talking about? Any advice please?

Hi, it's actually a debt from around 4 years ago but it has been passed to a dca but it doesn't show at all on my credit file. Am I best to send a request for credit agreement?

Hi, I know I am a bit naive when it comes to all of this and this may sound daft but I have been told that if a debt that a DCA is chasing you for is not actually showing on your credit file, then it doesn't exist and I should not speak to them or pay them. Is this correct? If so, what happens then if I ignore them and they take it to court and get a CCJ? Sorry to be a bit thick here.

Hi guys, I am still receiving emails saying that they are sending bailiffs to my house. Which is lies as this debt was only due about ten days ago and certainly is not a CCJ. I have sent several emails to them stating that I will pay in full and offering good monthly payments. They just ignore me and then carry on sending their threats and adding charges. What do I do please? Here is a copy of one sent today to me from paycheckcredit. Pay attention to the part after a,b,c,d,e,f. I will hide the personal info.... Ref ID: XXXXXXXX 08/01/2012 Mr XXXXXXX Ref Loan: XXXXXXX - 01.12.11 - Sum outstanding GBP 477 We have made a number of attempts to contact you by email and SMS to discuss the outstanding balance on the short-term loan you took out on 01.12.11 and you have made no effort to resolve these enquiries satisfactorily. We have also warned you in advance of additional charges you have incurred. As we make clear to all our customers our product is intended to be a short term financial solution. If the loan is extended this product can become expensive. As we have not heard from you and not received payment we have been left with no alternative and are writing to advise you that this debt will be passed on to our Debt Collections Agency in the next 24 hours. As per the terms of the contract between Pa yCheckCredit and yourself (see http://www.paycheckcredit.co.uk/terms.html) instructing the Debt Collections Team will add a further GBP 150 to the balance you owe. Debt recovery agents will call at the addresses we have on file for you until they are able to successfully collect the sums you owe. If our debt recovery agents, after a reasonable attempt at the addresses on file, cannot successfully recover the monies owed by you, we will issue a claim against you in the County Court for the outstanding balance plus the further charges and recovery costs that have been incurred. You should be aware that a County Court Judgement against your name will remain for 6 years on the National Credit Records (NCR) accessed by employers, insurers and banks and may result in:- a) difficulties in obtaining future credit b) any current employers being informed so an application against your earnings can be issued c) difficulty in securing future employm ent due to an adverse credit history and credit score d) difficulties in obtaining a mortgage e) being questioned at a County Court as to your financial circumstances f) a Warrant of Execution and bailiffs being instructed We will apply for a County Court Judgement followed by a Warrant of Execution and a Bailiff order to seize goods from your addresses to be issued simultaneously to the County Court Judgement. This Warrant authorises Certificated Bailiffs to seize goods at the addresses held on file for you (including what may be your family home). These goods will be taken and put up for sale at public auction until the total amount you owe is satisfied. The initial cost of issuing a County Court Judgement is GBP 45, this will be charged to your account on the date of issue. The further court costs including solicitors time, application for a Warrant of Execution and the appointment of Bailiffs will also be added to what you owe. As you can see this will ultimately cost you a great deal more if you do not deal with this matter now. It will also cause you a great deal of difficulty for many years to come. We strongly recommend that you settle this amount immediately to limit further costs, preserve your credit rating and your ability to gain full time employment. Please immediately pay 477 by either: 1) Paying online by visiting http://www.paycheckcredit.co.uk and clicking Pay Now; or 2) Make a bank transfer for GBP 477 to: Barclays Bank Account number 93462382 Sort code 20-50-94 Ref: Use your mobile number (XXXXXXXXXXX) as a reference so we can match it correctly ALSO please EMAIL us confirming that this has been done to stop the debt being passed to the Debt Collection Team and further charges being incurred. If you ignore this and our debt recovery agency is instructed it will be a short matter of time before the CCJ is issued and Bailiffs are instructed to seize goods. We look forward to hearing from you confirming a speedy resolution of this matter. If you have already repaid and this is not reflected in the above statement please contact us so we can investigate this further and correct your file. Kind regards Pay Check Credit - Legal Recovery Team t: 0843 81 81 81 ïï€ Please consider the environment before you print this email. _____________________________________________________________________ NOTICE The views and opinions expressed in this email may not reflect the views and opinions of any member of Mobile Credit Online Capital Limited. The information contained in this message is confidential and may also be privileged. It is intended only for the addressee named above. The unauthorised use, disclosure, copying or alteration of this message is strictly prohibited. If you are not the addressee (or responsible for delivery of the message to the addressee), please notify the originator immediately by return message and destroy the original message. This message and any attachments have been scanned for viruses prior to leaving our network. However, we do not guarantee the security of this message and will not be responsible for any damages arising as a result of any virus being passed on or arising from any alteration of this message by a third party. We may monitor emails sent to and from our network.

Hi, I had exactly the same texts last week and nobody came and I have heard nothing since. They are a debt collection agency just trying to scare people into paying. Please don't worry and don't pay then a thing. If they are legitimate then they will write to us all. You can look at my posts and see that others have also had this happen.

OK sorry, I will go to there and hopefully something can be done about this I am so angry. Thanks.

Have just had another email stating that they are now going to apply for the CCJ and the warrant of excecution and that the bailiffs will be calling to seize my goos shortly. HOW DARE THAY????