Hi,

I have posted before about my problems with payday loans and I still don't feel like I'm getting anywhere! Each one of the payday companies i owe money to, knows that I am on Jobseekers Allowance and only get £56.25 a week. I have even faxed proof of this to a couple of the companies who have asked for it. I keep trying to come up with a repayment plan for each one but they're all coming back with £100, £80 a month which clearly I can't afford!

Speedcredit started off at £100, I said I couldnt afford it, they lowered it to £80 which I again said I couldnt afford, they then lowered it to £50 and said thats as far as they will go. How can I possibly afford to pay that when I have other things to pay off and that is a weeks money for me!

My question is can I say anything to them to make them lower it even more? I really can't afford to pay that when I don't work!

Thank you!

That's what I thought to be honest but wasn't 100% just because it baffles me as to why people would just turn up at peoples houses when they know full well they can get in trouble! Thank you for your help!

I've just gor his first name and his mobile number, is that enough or do I need full name?

Shall I email speedcredit? I don't know who I should contact or what to say?

There is no set time sadly all it says is he will be retuning shortly. It says " further visits are planned and this file will shortly go to your local County Court for Judgement and Enforcement"

I thought i was the one in control but I don't now. I genuinely didn't think anyone would come, I thought it was just empty threats but I guess not! God knows when he's gonna come back!

How can I stop him from keep coming back though? I'm still getting email after email, going round in circles apparently NDR keep putting my payment off as a "goodwill gesture" but this has been going on for months. It's a joke!

If i've just had a bailiff turn up at my door (I didn't let him in or anything) what are the next steps? He's "returning shortly" apparently. I don't want him to come again! What do I do now?

I've just had a bailiff turn up at my door from Speedcredit. The one thing I did not want! My mum answered and told him I wasn't in, he's handed her a piece of paper saying i need to "CALL NOW" and he will be "returning shortly". Argh!

I have received an email from MH saying I need to fax over some documents to prove I'm on benefits. I still get all the crap from speedcredit and NDR threatening to call round but they're just going round and round in circles now so i'm not bothered by it! Starting to learn it's all empty threats!

Ahh thank you! I hadn't even noticed that was on there but it was cut off a while ago so should be ok anyway! Thanks again

so they can't do anything in that time?

Right i've tried emailing them, it says it has failed to send, Ive just read on here how the address for MH and NDR aren't even real, I really don't know who to write to or where to send any letters to. Any ideas?

Everyone just seems to get automated email responses, so your not alone there, just carry on doing as you are making token payments, our doing everything you can do.

Is it [email protected] or.co.uk? I have emailed both, had no response but with .com i get an email from postmaster saying it has failed to be delivered?

I'm not making any payments at all at the moment. I have made a claim for benefits so just trying to get all that sorted, until then I have no money coming in whatsoever. Baffles me how people can sit in an office and receive so many letters/emails from people and they just sit back and ignore them. Crazy!

Okay so i'm just going to keep on emailing the same address and see what happens. I'll get that cuppa now too! Thank you!

I have emailed OFT. I have also read that only 1 of the "companies" is supposed to be messaging me but i'm getting emails from all 3!

Ok thank you! I'm just confused as to how people have been receiving replies from them through email because i've tried several times and never get anything back :-/

I know, people are probably getting annoyed with me because they keep telling me this but every time I get another email from them, a part of me believes it so it does stress me out! It's ridiculous how they don't even have a proper email address as well and then the form on their website doesn't work! I've just attached 3 emails i've received from them into an email to the OFT. Such hard work!

Well i'm getting the lovely threatening emails from them on a daily basis now. The last one was titled "Notice of home visit - Details of attendance" I know everyone says they're con artists but it's still stressing me out! I don't want anyone turning up at my house

Is the email address you are using [email protected]? And can I use this if Im getting emails from Marshall Hoares?

I have just gone into my junk mail and have now found the following email:

BY LETTER AND EMAIL

Online payment ID: 14185762

Outstanding amount: 1209

Letter of Instruction & Notice Reminder

Reference: BAILIFF/INTR/14185762

Client: Speed Credit - Speed Credit Loan***

Client Ref: 14185762

Date: 11/08/2012

Dear Miss Jones,

We are writing to give you formal notice that Speed Credit - Speed Credit Loan*** has legally assigned the rights of the above debt to Marshall Hoares Bailiffs. This means that Marshall Hoares Bailiffs Limited now legally own this debt.

YOU WILL HAVE OR WILL SHORTLY RECEIVE A HOME VISIT

We intend to pursue you fully for all outstanding sums (GBP 1209) including any fees we incur collecting this debt. Payment in full must be received no later than 17:00 to avoid further door collection fees being added to your file. DO NOT IGNORE OR THIS WILL COST YOU MORE

Debt GBP 804

Cash Transmission Fee GBP 5

Missed Payment Fee 1 (day 29) GBP 10

NDR Accept Case File GBP 200

Missed Payment Fee 2 (day 43) GBP 10

Solicitors - Case Preparation GBP 150

Missed Payment Fee 3 (day 57) GBP 10

Missed Payment Fee 4 (day 71) GBP 10

Missed Payment Fee 5 (day 43) GBP 10

Repayments todate GBP 0

Total GBP 1209

TAKE NOTICE: You should accept this letter as formal notification that unless payment is received within 4 days then your account will be fast-tracked and considered for the following:

Consequences of inaction:

1. Court Judgement legal action will be automatically started in the County Court for recovery of the full amount outstanding. Any such pro ceedings will include additional claims for legal costs and interest which will increase the amount you will be required to pay.

2. Warrant of execution will be applied for to enable us to seize goods at your addresses and or an attachment of your earnings.

3. Register of Judgements any judgement will be entered in a public register, the Register of Judgements, Orders and Fines Credit Reference Agencies, who will supply them to credit grantors and others seeking information on you financial reputation. This will make it very difficult for you to get credit.

4. Credit reference Speed Credit have already advised the Credit Reference Agencies of your DEFAULT. This may seriously affect your ability to obtain credit in the future. Once the balance is paid in full, only then will the default be shown as “Default Satisfied”.

To AVOID A HOME VISIT or further action you should PAY IMMEDIATELY

1. online using a card by visiting:

http://www.marshallhoares.com

OR

2. at bank either over the counter at the bank or by electronic transfer to:

Barclays Bank

Account Number: 93462382

Sort Code: 20-50-94

Reference: Use your mobile number (447786362619) as a reference

This debt will not go away and should not be ignored

You can contact us on 08433811111 to discuss your outstandig debt.

Yours Faithfully

Anti - Fraud

Marshall Hoares Bailiffs

Telephone: 0843 381 1111

This is really stressing me out now. I live with my parents and the last thing I want is somebody visiting my house. I know I don't have to let them in but is there anything else I can do?

Right okay, I'll do that then. Thank you for your help! I'm sure i'll be back soon with another update!

So i shouldn't try to suggest a repayment plan or anything? Mind you saying that, it's not like I haven't tried! They just seem to be completely ignoring me!

Hi again,

After sending a letter to speed credit i thought it was strange how i hadn't heard anything back from them at all! That was until I have just opened my junk email folder and found lots of emails from them! Why they are going into that folder I have no idea but the latest one which was sent this morning is not good! This is what I received:

Loan Ref: 14185762 / PCP®

08/08/2012

Dear Miss Jones

This is a reminder that you committed to pay back your Speed Credit Loan*** debt.

This debt is now very overdue. We have allowed you to extend the loan as a goodwill gesture.

As part of settling this debt you are committed to paying GBP 504 by 09.08.2012.

In accordance wih the Standard Terms and Conditions you agreed to, we will be automatically taking payment tomorrow as agreed. Please ensure the amount of GBP 504 is available by midnight tonight.

If there are insufficient funds in the account the payment might fail and all charges will IMMEDIATELY become due, ALL back dated interest, penalty fees will be charged.

Recovery Agents will be sent to all addresses we have on file for you in order to obtain payment. Should this also prove unsuccessful we will be liaisin g with solicitors who will obtain a County Court Judgement against you. Once this is secured we will return with a Warrant of Execution from the County Court and certified Court Bailiffs to seize goods at 9 times the value of what you owe.

IT IS ESSENTIAL you HONOUR this agreement

If you have any questions regarding this, or willbe unable to pay contact customer services NOW.

Yours sincerely,

COLLECTIONS

NORTHERN DEBT RECOVERY

0843 381 0843

Seems very threatening to me! I have tried to reply to the email but ive had a reply saying you can't send emails to them, the only way you can do it is by filling in the form on their website which doesn't work anyway and i never get a response from them! What should I do now?