(Phone battery about to die, will charge up and reply a little later)

Ok! I'd say PPI on that alone is reclaimable! If he never asked for it and didn't need it then it sounds like its there to be reclaimed! Some absolutely amazing guys here who have literally assisted hundreds (probably thousands) of people in reclaiming PPI on their own without the need to use expensive reclaim companies. Again, I know there's a lot on your plate right now, but if there's a few hundred quid or even (depending in credit card usage) thousands to reclaim (PPI + interest) bare in mind, on a £300 limit credit card, over 6 years I claimed back somewhere in the region of £600 for Mis sold PPI! We can guide you through this too! First of all. If you're still paying the PPI. Send them a letter and explain that you've noticed PPi on your account that you weren't aware of and would like to cancel it with immediate effect. Then, in the library, there's a SAR letter, this will need to be sent to the creditor with a cheque or postal order for £10. They have 40 days to send all your paperwork (unless of course you actually have ALL statements from them over the years??) We can then guide you how to work everything out. There will be a fair bit of data entering on a spreadsheet but I promise it'll be worth it! Hope you're feeling a little more positive about everything now!! Regards BM

WageDayAdvanceLtd Unit 7, Acorn Business Park, Keighley Road, Skipton, North Yorkshire, BD23 2UE This is the address I used when writing to them during my own PDL Hell.

This is odd! A PDL company still owning the debt after 2 years? They usually pass them around a few bottom feeding DCAs after 2 - 3 months. Is it definitely WDA? Or a debt collection agency collecting on their behalf? The above advise is correct and good! It's against OFT guidance to contact anybody at work. This behaviour needs reporting immediately.

A token payment of £1 per month is good. But before you acknowledge any of these it might be an idea to send a subject access request and a CCA request to all of your creditors. There may be Mis sold PPI or unfair penalty charges that you could be reclaiming. When Moorcrap call and leave messages.... What do they say exactly? I hope they're not leaving messages openly discussing your financial business for anybody to hear.

Ok! Please update this thread with the answer! That sounds like there's 2 desperate credit accounts!

Grrrr @ moorcroft! You'd think they'd have better things to be doing on a lovely day like this. If they phone again, refuse to complete their security checks. Don't answer any security questions and tell them " in writing only" and hang up. Once you've done it once, you'll become a pro at dealing with these bottom feeders. I know you have a lot on your plate, but if you get a spare minute! In the library here at CAG there are telephone harassment letters and doorstep threat letters. Have a look, print one of each off or edit the 2 into one letter and post recorded delivery first thing Monday morning. Hopefully this will shut them up for a while and enable you both to concentrate fully on the priorities. If you need any further advise, don't hesitate to post here and hopefully we can guide you.

No, I don't believe so. I'm sure at application stage the only information they need about an additional Card holder is their name! ANYBODY can be an additional card holder, I don't believe credit checks are carried out on additional card holders.

You'll get some good advice here on how to deal with it all. I'd agree that if mortgage and council tax are up to date then the finance on the van is the most important thing for now. The DCAs chasing the mobile phone debt and anything like credit cards, store cards, unsecured loans etc are the least of your worries. They will shout and scream and tell you they'll come round and torture your next door neighbours cat if you don't pay, as DX says, they're not Bailiffs and have no legal powers. If the debts have just been passed onto DCAs to collect, then when you start going through everything, try and deal with the original creditors. Try not to let everything get to you both! Being in debt is not a crime and you are not alone. You'll get all the help and advice you need here. Best wishes BM

I'd say its £750 total. I think the card number will probably be the same, just the name on the card is different. You're just an additional card holder, you haven't got your own credit account. All IMO though. Await further advice or ask in store for confirmation. Regards BM

Emmzii. Thank you for your reply. In honesty. The new company that has taken over have made it clear that they are making our positions redundant. The date of this has been rumoured as between the end of August and beginning of September. I haven't quite diluted that information. Feel that my life has been turned upside down and now with work, a job I've had and enjoyed for 5 years is coming to an end. It's been said that we can all apply for new jobs but no guarantees we will get them. To be honest, I don't think I'd even reapply for a new job with a horrendous shift pattern and a 40p an hour pay cut. Feel that the new company tried to back me into a corner by telling me that if I return to work on Monday then they could advance me some money, but if I didn't return to work and continued on sick leave then they couldn't offer the advance as there would be nothing to guarantee them recouping the advance. Another thing. The new contract I signed with the new company says I'm entitled to 5 weeks company sick pay. (Due to my length of continuous service TUPE). Would it be worth emailing them and asking if I will be paid sick pay? Or should I just wait and see if I get it? I'm very upset and anxious that both companies who promised to help me out during this 'turbulent' time have pretty much fobbed me off. I do understand that I haven't done a shift for the new company yet but this is my first period of sickness in 5 years. I'm not swinging the lead, just finding it hard to deal with everything coupled with the financial mess the previous company has left me in. Just wish there was something semi formal I could send to the previous employer asking for them to rectify their mistake and claw back the annual leave from the new company. What makes it even more annoying is they underpaid a colleague by 48 hours and when he kicked off and demanded they pay him, he got a polite message back apologising and advising him that the 48 hours would go into his bank account on the same day. He received his payment after faxing a copy of his holiday form over to them. I mentioned this in an email to HR, that I was disappointed that other members of the team had their annual leave discrepancies rectified whilst mine was refused. The HR director denied any knowledge of this. Honeybee. Sorry I rambled again! Thank you so much for that link. Will give them a call x

^ so sorry didn't realise it was that long.

Hi. It's been a while since I started a new thread. Previously been given some fantastic advise on these employment forums and hoping that somebody can give me a bit of direction with this problem. I will start from the beginning. I don't actually know where to start lol. Mid May, my fiancée passed away. Totally unexpected and I'm still finding it incredibly hard to deal with. I phoned work and explained the situation and they told me to take my next 4 shifts off. 2 of these were paid as compassionate leave and the other 2 were paid as emergency holiday. I returned to work in-between my fiancée passing away and her funeral and completed my scheduled 4 shifts. I made a request to my supervisor to have the 2 shifts (before and after the funeral) covered by annual leave. He got these 2 shifts covered for me. Whilst attending the funeral another family member collapsed, suffered a heart attack and stopped breathing. She was eventually resuscitated but we were warned that she may suffer brain damage. Due to this I requested the next 2 shifts off as further emergency annual leave. My supervisor was very sympathetic and assured me he would get these shifts covered. He requested I contact him should I need any more time. My cousin sadly passed away a few days after my fiancées funeral. Again, I contacted my supervisor and requested further 2 days emergency annual leave. He got these shifts covered. Now. The next bit. I had a message from HR requesting I contact them. I spoke to the HR manager and she advised me that no further annual leave could be authorised. In total I had 7.6 days left (until early April 1st 2014). I advised her that I didn't feel fit enough emotionally to return to work just yet. She advised me to see a doctor. I visited the doctor and he gave me a sick note (for 2 weeks). I contacted HR and advised her. She accepted this and sent her best wishes hoping I come to terms with everything as soon as possible. During all this... We were all advised that the company we work for has lost the contract and a new company was taking over and that we would all transfer over under TUPE rules on July 1st. My sick note expired just before the end of the month. I went to the doctors and he again signed me off for a further 2 weeks. I scanned the note and sent it to my employer and I forwarded the original by post to the company that is taking over. Moving forward to 10th July. I received my wage slip and was shocked to see only 2 days holiday pay on my wage slip + stat sick pay + a tax rebate. I contacted payroll and advised them that they haven't paid me holiday pay for the 4 shifts (my fiancées funeral and the passing of my cousin. They emailed back advising me that my wages were correct and that no holiday form was sent in for the shifts I claim I booked emergency annual leave for. There was a bit of email ping pong where I pleaded with them to sort it out and pay me... In the end I asked for a final response and I got it... Was told that I'm no longer employed by them and to sort any problems out with the new company. They advised me that my remaining annual leave has been transferred to the new company and if they paid me the missing 48 hours then there'd be no way of them recouping the money. I emailed the new company requesting they pay me. Explained everything, explained That I am now in severe financial hardship and haven't got money to pay my essential bills. Payroll emailed me back and told me that they'd get a manager to contact me as he is the person who authorises advances. In my email to payroll I requested either they pay me 48 hours pay out of my annual leave entitlement or if that wasn't possible, a salary advance. The manager called me today and said he couldn't authorise either of my requests as I haven't completed a shift as of yet for them. He did however say that he could maybe advance me £100 if I could commit to attending the next set of shifts. He said once I'd completed 4 or 5 shifts then he would consider advancing me £100. I explained to him that I had an appointment with the doctor again this afternoon and that counselling that the doctor has advised hasn't been arranged yet. I am also on anti depressants (I didn't tell the new company this). I don't feel ready to go back to work. Anyway. I'm broke. I was relying on the pay from those 4 emergency annual leave shifts to pay bills. The anxiety and stress that this is causing is doing me no good and certainly NOT improving my current state. I feel that both the old company and the new company aren't doing anything to help me. Any suggestions off anybody? There is NO annual leave form for those particular days. I relied on my supervisor to book them in as annual leave ( this supervisor was made redundant on 1st July. I've contacted him and he said he put the shifts through as holiday). If the company didn't know about these shifts I were off I can't understand why they didn't contact me to see where I was OR pay me stat sick pay during this period! I'm sorry if I've waffled on. I hope it reads properly and attracts some replies. I'm really at a loss as what to do. This £360 was to pay council tax and my share towards rent! Thanks for reading BM

I posted a reply on the other CFO thread. Just said... Sadly, IMO, it's an accurate entry on your CRA file. The best you can hope for is that they update it to 'satisfied'.

sadly, it did default. That's an accurate entry on your credit report IMO. The best you can hope is that it gets updated as "satisfied"

Dear Bombaymix Earlier today, an erroneous email message was sent to a number of QuickQuid customers. This email was sent in error and should be disregarded. We are working diligently to determine how this happened and apologise for any inconvenience or alarm this message may have caused. Any customers who wish to speak with a QuickQuid representative should contact 0808 234 4558. Please note, our call centre is currently receiving a high volume of calls and therefore customers may experience longer wait times than normal. Regards, Arad Levertov QuickQuid Lol. I got one also... I never got an email from them this morning. Would love to know what it said

Lol @ the other forum. I soon left that forum when I seen the bullying and sarcasm being directed at people for being in debt. Payday loans seem to be a pet hate over there. The regular advise there to PDL problems is "don't get one" which in theory is fantastic advise, in reality though like locking the stable door after the horse has bolted :/

Maybe by telling you in a jokey way was his way of dealing with it, not wanting to embarrass you or himself? I'd definitely have a chat with him. If he give you 2 options and you ignored both, he may pull the " failing to follow management instructions" card...

*sorry, I didn't mean deal with them yourself as in deal with them yourself lol. I meant a self managed DMP. You'll get heaps of help here on how to deal with them. Any that don't play ball just get offered a token payment... They'll soon start playing ball lol. Roughly how much disposable income do you have each month?

To be honest. If you entered into a DECENT DMP they wouldn't allow you to cherry pick which debts you wanted included in the DMP. It would be ALL unsecured debt to be fair to ALL of your creditors. I wanted to keep my Barclaycard out of my DMP but was told I couldn't. Maybe it would be best to try and negotiate with your creditors yourself as per Dx's advice.

The attachment is very blurred but I get the general idea. From a pretend fake solicitors... Ignore it. I'd be considering taking this matter to the police to be honest. Have a look here http://www.actionfraud.police.uk/ PayPal are a waste of space, they always seem to side with the buyer. A crime reference number from action fraud should sort them out! Regards BM

Lol @ that! Well worth a watch.

The bank are talking crap. They HAVE to cancel CPAs on your request. Go back with your letter and google "bank won't cancel CPA" see all the results it throws back. If possible print of the legislation and show it to the cashier. I'd try and speak to a supervisor or manager at the bank.

By all means STOP paying your payday loans in the sense that you're rolling over and just paying interest.. However, set up a repayment plan with them. Or if you have the funds, which you say you will have shortly, pay them off. Some sound advice from renegade above. CAG supports and advises those that want to tackle their debts by dealing with them in a fair and affordable manner. Running away is not the answer. These sharks are well known for adding ridiculous charges and interest to loans. We've seen stories here of loans increasing from original £100 to thousands. If they obtain judgement by default against you because you've moved house a CCJ isn't that easy to hide from. If you want or need any advise as to how to deal with these company's... Give us a shout. There's a few familiar names on your list. Regards BM

If its a big company, I'd bypass management and get in touch with payroll. Explain that this shortfall has left you in financial difficulty and that you can't wait 4 weeks for your money. I'm sure somebody will be able to pay the missing 25% minus tax and national insurance and rectify it next month? My employers have messed up my wages and they've always put it straight into my account and adjusted it on the following months payslip as a "salary advance". I think if you get in touch with payroll or HR they'll sort it for you. It's just cutting out the middle man! Managers would only contact payroll or HR on your behalf to sort it. Good luck