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Everything posted by indebt00

  1. Hiya zez, i dont think they will be giving you anything back, but you sure can have a go!
  2. Hiya i am still receiving threatening emails! Do i still continue to ignore??? Thank you for your help x
  3. Hiya all, today i recieved a email stating the following Dear xxxxxx We hereby inform you that Mercantile Recovery Solutions Ltd. have been instructed to collect the above account. Despite our client attempting to contact you using all means available to them, including all the information provided in your credit application they have, to date, been unable to reach an amicable solution of repayment with you. We must now make it clear that we are in the process of instructing our solicitors to issue a claim against you in your local court. We are fully confident that such claim will be successful as we are unaware of any legitimate legal reason for non-payment of the debt and again we should make our intentions clear that upon successful award of the claim we will look to enforce the debt by way of an earnings arrestment. As part of your application process you provided your bank account number, sort code, pay date and employer details – all of this information will be utilised to seek immediate repayment of the sum outstanding. Please be aware that your employer will be notified of this order if necessary. Whilst we do not wish to burden you with further costs, (all legally recoverable fees will be added to your outstanding balance) your lack of cooperation thus far leaves us with no viable alternative. Should you wish to avoid this course of action we would recommend you contact our pre-litigation collections department on 01563 598 612 before 3pm on the 31st December 2012. Failure to respond to this notice will only lead to immediate court action being undertaken. i have not recieved any letters or emails from payday express or these lot! i tried contacting payday express as i was in a payment plan and i asked for my account details which they did not provide and i didnt hear from them, i was unable to keep up with the repayments. Tried informing them but still no reply, where does it go from here what do i do????? any help much appriated! thankyou
  4. By the way the letter is from Halifax retail fraud??? I haven't don't any fraud!
  5. Hiya, I have recieved a letter today saying that Halifax have reviewed my account and that they need to close it down. It says they will be closing it down in two months time and if I owe on it (which I do) I will have to go in the bank and sort something out. I want to write a letter for a repayment plan do you think they will except it? And will I have to fill out a income and expenditure form? Anyone have any ideas please x thankyou
  6. just a update!!! i have made many complaints about this company!!! but today i recieved a letter from DERS a final notice of intent!! also in the letter it mentions if i dont payup in 7 days they will seize my wages etc!!! i dont understand why they dont get the message that im not paying anymore then i already have!!!! Anyone have any ideas please??? xx
  7. ok, thankyou very much or your reply... Will do that!..
  8. until when???? Do i just completely ignore them...Thankyou for your help x
  9. hiya a update on my account... i recieved a letter from fredricksons a couple of weeks account which said my account has been passed back to minicredit... and today i recieved a letter from OPOS, who are now asking me to pay up etc Anyone heard of them???? any iddeas on what to do next please.... thankyou
  10. ok, thankyou asmilecostsnothing.... do i still keep making payments too??? x
  11. hiya bombaymix and thanks for your advice.....Are u still paying 80 pounds per month?....if you are you should stop!!! thats enough as itis already! xx
  12. i have complained to the OFT about them before but didnt get much of a satisfactory response... do i complain again??? x
  13. ive paid 280 pounds alltogether of what i can see from the bank statements i have... i borrowed 280 pounds, 70 pounds interest they added for a month so it comes to a total 350 pounds... anyone have any ideas???? Thankyou
  14. i owed 350 pounds maybe more in interest, but i have been paying extention payments of 70 pounds for a while and then set up a repayment plan of 35 pounds. i have paid 140 pounds in repayment. shall i just not make anymore payment????? xx
  15. hiya, as you all know im in a agreed repayment plan...... i have been making payments and asked for a update on my account. i recieved a email reply stating that i havent been making payments so the arrangement has failed. i have sent them bank statements (erasing account details) which proove i sent payment. but i never rcieved a reply its happened to me twice!!! what shall/can i do???? any help appriaciated xxxx
  16. Thankyou for the response, just a update. This is the email reply i got today after asking for a update on my account...........Looking into your account i can see your account has been in default since the 03/06/11, there has been late fines and charges been incurred to your account. Your total outstanding balance is £423.23. As your account has been in default over 14 days, This account has been passed over to an external Debt Collections Agency, In regards to payment i advise you contact MT Collect on : 0131 214 1101. who is MT???????
  17. hi, ive been trying to contact capital finance one about repaying my loan but they have not replied for a very long time. I have sent various emails but no reply. The last time i had a reply was about a one off payment to repay my loan but i couldnt make the one off payment of 280 pounds but they didnt reply. What do i do?? X
  18. hiya, ring your bank and ask them to refund you. And email tarik to let him know what has jappened also let him know that you do not want them to take ANY money out of your account without your consent x
  19. A UPDATE, THIS IS THE LATEST EMAIL I RECIEVED!!!!!!1 We have reason to believe that you have supplied our client - ToothFairy Finance Ltd-ToothFairy Pay Day Loan - with potentially FRAUDULENT information inorder to obtain credit. THIS IS A SERIOUS MATTER which must be dealt with IMMEDIATELY to avoid further action. Call 0843 381 0843 IMMEDIATELY failure to do so may lead to this matter being passed to the Police According to records you applied for and took a loan with ToothFairy Finance Ltd-ToothFairy Pay Day Loan on 04.05.11 15:39 for GBP 200.00. Systems generate a detailed electronic trail of proof at EACH stage of the transaction including the unique address of the computer used, mobile phone offered and cross referencing of ALL personal details provided across multiple sources The bank has confirmed that the funds were sent to the account numb er xxxxxxxxxx with sort code xxxxxx and that this account belongs to you. If we do not hear from you by end of tomorrow we will be passing this file to the Anti Fraud Department who will then perform further traces and check exactly where the loan application came from using IP tracking technology. If this proves to be an attempt to defraud us then you will be charged for the extra investigation and the file handed to the Police to pursue as a criminal matter. We would much rather avoid involving further third parties as it will become much more serious and expensive for you, and time consuming for us. CALL NOW TO AVOID FURTHER ACTION Yours sincerely, DEBT MANAGER - Greg Campbell NORTHERN DEBT RECOVERY 0843 381 0843 NOTICE: The contents of this e-mail are intended for the named addressee only. It contains information which may be confidential and which may also be privileged. Unless you are the named addressee (or authorised to receive for the addressee) you may not copy or use it, or disclose it to anyone else. If you received it in error please notify sender immediately and then destroy it.
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