Thanks I have already sent the court letter to both simpsons legal and safeloans but I will speak to the courts to see what they say

Hi Apologies if this has been asked before but I took out a loan with safeloans which many months later has resulted in me receiving a CCJ. Unfortunately this was due to submitting documents that was never received so they got the result. Anyway I gathered all my documents together and filed the appeal against them. The ccj was recorded on 4th March and I appealed on 28th March. it was accepted on 19th April. Anyway the court wrote to say that my hearing will be on 16th September. In the meantime I have received the following from Simpsons legal: FORMAL DEMAND FOR UNPAID JUDGEMENT DEBT We are informing you that your judgement debt still remains unpaid to our client: Safeloans limited. They specialize in enforcement actions and actively profile each debtor to determine the most cost effective method of enforcement for and on behalf of their clients. We have confirmed that the employment details supplied in our clients loan agreement are no longer valid. Therefore we are recommending to our client that simpsons legal proceed with either warrant of execution or questioning order. They then set out payment plan options and ask me to make a token payment within 14 days but to contact Safeloans with failure to do so resulting in action being taken, enclosing information about the action that can be taken. I then responded by emailing them over the letter from the court confirming the date of when the appeal hearing would take place. That was on the 17th May Then on 30th may I receive this letter: Dear (my name is not there as there is no name) The creditor is Safeloans limited. The enforcement action and claims processing service is undertaken by Simpsons Legal. If we confirm your employment we will seek an attachment of earnings order alternatively if not a warrant of execution. In a final gesture to settle your account we hope you will seriously consider the following settlement offer to discharge the outstanding balance. Once we initiate our intended enforcement action the balance owing will be as follows: they set it out and that they are prepared to accept a full and final settlement which must be paid within 7-10 days giving me to June. My question is that can they do this even though Im appealing, the hearing has been set for September? It just seems pointless to take action if there is an appeal which is happening. Just wanting to know how to respond to them Thanks and sorry about the length

Hi Please bear with me. I took out a payday loan for 250 with Safeloans in about 8 or 9 months ago. I made the first payment and then due to job losses and lack of regular income I could not payments. However I made payments every now and again when I had money. We set up a repayment plan but due to job loss I contacted them to say I am unable to commit to it. I contacted them to let them know I was on benefits and was asked to supply proof then they would hold legal action. I did then a month later I received an email saying that they had no contact with me so were filing a county court claim. A few days later I filed the defence about 3 days after. About two days after they sent me a final offer before judgement email saying "we are at the last stage before we seek to obtain "Judgment" against you. We will notify the Court within the next 7 days that you have not paid the debt owing and thus a Judgment in default (CCJ) will be requested in due course." offering repayment options. I then emailed them to ask for a breakdown of charges. They sent me it the next day which I havent responded to yet. Today I received the following from the courts dated 14 Jan 2013 Dear Madam RE: case number safe loans v me With reference to your claim response, I would like to advise that it has been classified as "full admission". The court will classify a defendant response as a full admission in any of the following circumstances: -The amount claimed plus the court fee has been paid in full on or after the date of issue -Part of the claim has been admitted and no defence provided for the remainder -Part of the claim has been paid on or after the date of issue and no defence has been provided for the remainder -The defence form has been completed, but no response given for disputing the claim (this was in bold so think this applies to me) Please note that if the claimant has not received full payment, they may proceed to enter judgement for the outstanding balance. If you require any further information please contact our helpdesk on the number above. Alternatively you can email us at ccbcdefendants email address and please ensure that you state the above case number in the subject heading of your email. You may also find it useful to visit the frequently asked question (FAQ's) section of our website. To locate this page you should go to and search for CCBC Yours faithfully There is a siganture Mr Nick thornhill CCBC/mcol correspondence section It has the logo and the address and I tried the number which made me think that my defence is being struck out. I checked the status of my case online and this letter has not been recorded on there and there is not an option as to what I should do next. I will give them a call tomorrow but I am really worried about this and could use some advice as to how to proceed Thanks

Thanks everyone for your responses so far. I am definitely going to not speak to them over the phone because it is definitely not getting me anywhere and especially when it comes to agreeing the repayment plan. I am definitely going to get truecall as sick of having them call me. Its good to know that it exists. Yeah I'm going to go back to the drawing board and make sure that my budget is sheet truly reflects the amount I can afford to pay them. Thanks for the budget sheet and at least I can finally get a good night's sleep without it getting to that point in the month where I am worrying about paying them as well as having money for the month. This forum has been really helpful in helping me sort this out once and for all as I didnt realise that the options posted on here even existed.

Thank you for the advice and had no idea they did that so I took your advice and edited it. Just goes to show how unscrupulous they are. Thank u I had no idea that you could request everything in writing. The only reason I called is that the emails they send show that there is a lack of communication but in future I will do that. I made payment directly to their bank account as I heard the horror stories about if you give your debit card they take more than they are entitled to. I currently have other payday loans that I have agreed repayment plans with and I worked out a budget to end this payday cycle and get back my financial security. Granted it means screwing up my credit report but seeing as these loans have already done more than enough damage I figured now would be the perfect time to get things sorted. Anyway I dont want them to take more than I can afford. I currently set up a repayment plan of £400 per month over three months. Ive made the first payment but really going to have to drastically cut that so I can get back on my feet to £50 a month over 6 months It will show up on my bank statement and they have the screenshot which proves it was sent to their bank account.

Hi Apologies if this has been posted before but I have been looking everywhere for advice as to where I can make an official complaint against Wonga. They have a couple of suggestions on their website but I dont reckon they are impartial (with regards to the FOS I am speaking from experience of making a previous complaint against another company so not sure if they will respond in the same manner). I sent a formal complaint to Wonga yesterday but due to the nature and the stress it is causing me I want to see if I can take it further. Anyway this is the complaint letter that I sent to them: Dear Sir/Madam I would like to make a formal complaint. I wrote an email to inform Wonga of my financial difficulties on the 4th June 2012. A repayment plan was agreed on the 6th June 2012 of £400 over three months. I sent an email on the 15th June 2012 to confirm that I had made payment of £400 with my name as a reference. The details I got on your website. I receive an email on 17th June 2012 which says the following: Dear customer, We are here to help, so please call our friendly collections team as soon as possible on 0844 842 9109. Our office is open Monday to Friday, 9am to 10pm, and we look forward to discussing your account and trying to help find a solution for you. If you are able to pay any sums and don't want to speak with us then please remember that you can pay some or all of the outstanding balance at any tie by visiting the My Account section of www.wonga.com and choosing the Repay My Loan option. You can also select or add an alternative card there and make whole or part-payments at any time. Alternatively you can pay with your primary debit card using our automated payment line on 0845 862 1439. We are here to help though so if you need us then please call. Kind regards, Collections Department 0844 842 9109 Wonga.com I then receive emails (attached) on the 18th, 19th, 20th, 22nd, 24th, 26th and 29th stating that payment has not been made. I also received a text yesterday and a phone call today at 10.20am. I have made phone calls on the 18th, 20th, 22nd, 26th and the 29th to explain that I made payment on the 15th. I was told yesterday that it maybe because of the recent banking trouble with regards to systems not being set up. However it’s been two weeks since I made payment and I am receiving emails which make it sound like I am ignoring the situation. Also if your company is having problems an email or suitable feedback should be published somewhere. I sent a screenshot to prove I had made payment and I am getting hassle from your company which is causing me emotional and mental distress. So much so I am seeking legal advice as to how I can handle this as I’m sure that what you are currently doing is harassment and a bullying tactic. Please could you look into this and stop sending me missed payment emails as I am making payments to your company . Regards Any help would be appreciated Thanks