They have sent me the following letter also to my guarantor. I've explained that Harvey Sturtt specialise in recovering customer debts and that a County Court Judgment (CCJ) is an option they'll use if your account continues unpaid. You know they have the option to enforce the CCJ through bailiffs repossessing yours and Guarantor goods, but you also need to know that they could apply for an attachment of earnings. An attachment of earnings can be claimed against you and Guarantor as long as one of you is in employment now or in the future. We both are unemployed so both of us can't make payments, also whilst in employment I made £530 payments on total. The original loan was £500 so surely the court will see this?

FLM QUICK,Payday loans,loan sharks,threatening behaviour, super high intrest rates.

FLM QUICK Hi I’ve taken a small loan with FLM Quick of the amount £500 in approximately in May to July 2011. I was at that time in full time employment and had been for 9 year’s. Towards the end of February I resigned from my job and now I am unemployed and am on JSA. Since I’ve taken this loan I’ve been charged £558.23 & that’s all INTREST& CHARGES. Some month I have had INTREST & CHARGES two times within a month and even three times a month. They are now e-mailing me and texting and phoning my guarantors home phone and mobile and leaving her text messages and e-mails. I have a Guarantor that’s unemployed and was when I was given this loan from them. I have written a letter to them which I have put below but with of course parts edited. This letter has been totally ignored, phoned my bank they have put me on a money management plan so no one can take money for 6 month as I am already overdrawn. But yet they have my guarantor bank details and have taken money out of her account. She phoned the bank (halifax) but there is nothing they can do as it’s not a Standing Order and it’s not direct debit. They say it’s a card payment, she has only ever authorised payments to be taken out once yet they have taken two extra payments without her consent or authorisation. Since I had a very harsh word with the bank the wrote to My guarantor and have Lissen to her request and cancelled FLM Quick from taking any further payments from her account. ( Good result). I have paid FLM £500 I took from them but now they want me to pay them all this interest. I am unemployed and so is my guarantor surely they cannot treat us like this. My guarantor has since had calls and we both have had letter. The most resent one sayes pay £102 to bring you account upto date to avoid default being given against both of us. What should I do? What's my next move please. If you think you can help please do I am looking to take this futher, sue them for harassment etc...

It's not so much the money he would like to now and see who done this to his car. I now for a fact he never did report the money as it would go against him when Cali Ing Insurance. He did not leave the keys in the car, the police were not helpfull at all. How can he approache the police to look into the CCTV please. Also I write a new thread and am not sure where to post it and then can't find it can you tell me how to do this pleas? Many thank

It's not so much the money he would like to now and see who done this to his car. I now for a fact he never did report the money as it would go against him when Cali Ing I surance

Ok that did work after a short but furring conversation my guarantor got a letter throw the post cancelling any payment to FLM. Now they want to give me a defult notice. What should I do? I am still on JSA, yet they want money. What shall my next move be, I have till Monday 3rd Sep 2012 to get this letter off to FLM. Many thanks

Ok I have my breakdown from FLM QUICK can you please have a look and tell me what I can do? I'm using my iPhone and have a copy which is edited on my iPhone I scanned it in. How can I post it here? Or is there a e-mail I could send it to pleas?

Hi my friend was parked up in a Heath clinic when his car was stolen. Also he had around £3000 in his car which has also been stolen. When he realised and called the police they only stayed to ask him questions and take notes for around 5mins. What I wanted to now how do you get the police to help you check the CCTV cameras in the area and the CCTV in the health clinic? What can me friend do to get back his car or the value of the car? Thank you for your help.

I don't think he has, it's for a Friend he needs help. I will ask and type it here. But I'm sure he has not, not unless they do it automatically which I don't think they would.

I have insurance with Barclays because I have a card so my mobile technically is covered. I lost my phone and wanted to now about claiming the phone throw my Barclays card insurance. Also if there's any advice I should consider before Making a claim?

I have tired I have even said I will report you to the Trading standard and FOS. I even took the names of the supervisor as it might make them think twice that didn't work.

Don't now where to start its not a Direct debit or standing order so the bank won't do anything. The bank said she has to cancel with FLM first then FLM have to let the bank now it's canceled then the bank can take action. I don't want to talk to FLM as been adviced what shall I do next I've even sent FLM a recorded letter heading CANCELATION OF CONTINUOUS PAYMENT OF AUTHORITY. Just seems to be ignored. Need help please

FLM QUICK Hi I’ve taken a small loan with FLM Quick of the amount £500 in approximately in May to July 2011. I at that time was in full timeemployment and had been for 9 year’s. Towards the end of February I resignedand now I am unemployed and am on JSA. Since I’ve taken this loan I’ve been charged £558.23 & that’s all INTREST& CHARGES. Some month I get INTREST & CHARGES two times within a month and even three timesa month. They are now e-mailing me and textingand phoning my guarantors home phone and mobile and leaving her text messages ande-mails. I have a Guarantor that’s unemployedand was when I was given this loan from them. I have written a letter to themwhich I have put below but with of course parts edited. This letter has been totally ignored, phoned my bank they have put me on amoney management plan so no one can talk money for 6 month as I am already overdrawn. But yet they have my guarantor bank details and have taken money out of heraccount. She phoned the bank (Halifax) but there is nothing they can do as it’s not aStanding Order and it’s not Direct Debit. They say it’s a card payment, she hasonly ever authorised payments to be taken out once yet they have taken two extrapayments without her consent or authorisation. What should she do now as the bank are clearly not helping and FLM are writingto me saying they will take further action. I have paid there £500 I took withthem back but now they want me to pay them all this interest. I am unemployedand so is my guarantor surely they cannot treat us like this. If you think you can help please do I am looking to take this futher, suethem for harassment etc...

I sent FLM a letter headed CANCELLATION OF CONTINIOUS PAYMENT AUTHORITY. I also stated "I withdraw my authorisation formyountontake payments from my account or my Guarantors account. She didn't cancell with the bank But surely FLM have broken the law after all I did send then a letter on the. 18/05/12 I have below the letter i sent. Also they statement I have scanned so Please do have a look and Anyone else.

Hi I sent FLM quick a letter 18/05/12 which I do have a receipt off as it was recorded delivery. I typed a letter to them heading Cancellation of Continous Payment Authority. Stating I am facing hardship so I have cancelled payment with my bank ,in accordance with The PAyment Services Regulation. I also have spoken for my guarantor, it's now 11th June and my Guarantor has had money taken out of her account. She is also on income support,single mother. My loan of £500 a year ago, I have payed back £530 so fare including charges and fees. So surly I have payed this loan back?? Any idea what I can do And how I can get this money back take today please?