Hi there I contacted pduk on 24th March regarding a complaint for the number of rollovers I had been allowed on my account also additional lending when it should have been obvious to them that I was in financial difficulties I have a couple of acknowledgements from them the latest saying they are still investigating my complaint and stating a date by middle of May when I should hopefully hear from them I stated that if the matter is not resolved satisfactorily I will refer to FOS Is there a set timescale from my original point of complaint that they should be responding with a final answer? Thanks

I work in an office of approx 25 people and today there were 8 people off - 1 long term sick 1 suspended 4 on leave another sick and myself who phoned in sick today with a stomach bug A colleague of mine informs me that all the ones off sick are being sent letters and will be investigated - the others would have a sickness record a lot worse than mine and this is only my second instance of sickness in 15 months Would this be deemed as excessive? I feel I am only being made an example of because so many were off today ( if I was the only one off nothing would be done I believe ) There's also a colleague of mine ( the one suspended ) who has been off over 6 weeks in the last 2 years and no action was taken. Your thoughts please Thanks

Any advice as to how to deal with them now you know the nature of the loan? Thanks for all your advice so far

By looking on this site I expect one month loans to be relatively easy couple of emails setting up 6 mth plan 1st month I can do up front but don't know how to approach the lending stream one

Would one months interest apply in that case Already paid back nearly £100 on the initial amount borrowed

U can clear at any time so not tied to complete 6 mths so is a payday loan IMO - just allows that facility to squeeze more money from you

In effect I borrow £350 and end up paying over 6 months - diff amounts each month and at the end of 6 months its cleared Last month was £100 this month near £200 then it gradually decreases until 6 months is up Might be their way of avoiding legislation May 2013 75.00 Jun 2013 125.00 jul 2013 110.00 Aug 2013 95.00 Sep 2013 80.00 Oct 2013 65.00 This is example of a £240 loan

As its a 6 month loan would that mean I am liable for 6 months interest at 3000% plus?

Would a recorded phone call suffice as it is difficult for me to get into the branch? Renegade am I only liable for loan plus one mths interest with lending stream?

Thanks for your prompt reply Should I contact them in advance of defaulting? Should I ask my bank to devoke the cpas ( can this be done over phone ) ? Does the one month plus interest apply to lending stream as their loans are over 5/6 months?

Have 2 payday loans that I intend defaulting on at the end of this month in order to get a repayment plan set up One is £180 with one month loans ( rolled over once ) And one is with lending stream £350 ( one payment already made ) Have salary secured already but what is the best process in dealing with these companies in order to get a payment plan set up , avoid charges and avoid phone calls to work / mobile Thanks

Anybody?? Thanks

Hi there advice needed Fallen into the trap again and have 3 pdls with lending stream one month loan and wage day advance I have got my salary moved to another account so should be ok in that respect and I will pay the wda one in full out of my salary My problem one seems to be lending stream - I have 2 loans 1 x £115 and 1 x £250 and have already made the first payment Does the loan amount plus one months interest apply to them ? What's the best advice on getting set up on a repayment plan without incurring massive extra charges? Any other advice appreciated also Thanks

Hi can anyone advise please

It's the same with betting sites They let you deposit and gamble away and only when you try and withdraw do they query your age

Hi I am looking for advice please Myself and my partner lived in a property for 6 years and moved out at the start of December as we were expecting a child and needed a property with more space The lease was due to end in February but we had the landlord and letting agents permission to move out and we found new tenants ourselves who moved in the weekend we moved out. The new tenants have also paid a deposit to the letting agent and there has been a continuation of rent and no loss to the landlord. The problem arises that we have not received our deposit back - in the lease it states there is a 4 week period from the tenant moving out for this to be paid The landlords father is concocting damages to the property and withholding payment for really petty things ie there is a plank missing from the back fence , the kitchen door doesn't close properly etc and apparently is getting quotes for these We left the property in far better condition than we found it and tbh if there ever were any problems like frozen pipes we fixed at our own expense ( wish we had been a nuisance to the letting agent and we may not be in this position now ) I have spoken to the letting agent at length and he inspected the property and in his opinion this guy is just trying it on. The letting agent is currently on receipt of both our deposit and the new tenants deposit How do I proceed with this? Also we put new blinds into the property - am I within my rights to get these back as I'm well p...ed of with how this guy is treating us £40k rent paid never late and we have been no bother at all Thanks

It's not quite as simple as a creditor cross reference error as my brother has never used payday loans and they would have no info on their database So how have they got his number ? Why did they feel the need to phone him? Why were details about TLS left on his answer machine which he googled and found to be a payday loan

Also I cannot comprehend why my brother is contacted before they even called my mobile - he was phoned yest and myself this morning

I will try to broker that with them - who can I complain to for this breach of trust given I had made the payment as arranged ?

All advice welcome I had a payday loan with TLS and stupidly rolled over about 6 times - then I defaulted and set up an interest free payment plan over 5 months. I have this set up by s/o to leave my acc on 27th each month and I made the 3rd payment at the end of last month. This morning my twin brother ( same initial ) phoned me to say he had a message on his home phone asking if I could contact TLS . They also called me this morning and said I hadn't made my payment but then checked their records and apologised saying they had made a mistake. I do not know how they got my brothers phone number and am incensed that they have phoned him leaving a message for me to contact them. What regulatory bodies can I complain to about this - also would I be in my rights to say to them I am not paying the final 2 instalments of £40 to them Thanks

All advice welcome I had a payday loan with TLS and stupidly rolled over about 6 times - then I defaulted and set up an interest free payment plan over 5 months. I have this set up by s/o to leave my acc on 27th each month and I made the 3rd payment at the end of last month. This morning my twin brother ( same initial ) phoned me to say he had a message on his home phone asking if I could contact TLS . They also called me this morning and said I hadn't made my payment but then checked their records and apologised saying they had made a mistake. I do not know how they got my brothers phone number and am incensed that they have phoned him leaving a message for me to contact them. What regulatory bodies can I complain to about this - also would I be in my rights to say to them I am not paying the final 2 instalments of £40 to them Thanks

Hi dx got refunded as vouchers ( which is how I had paid ) bought the wee lad an iPod touch Thanks for all your advice

Here are the t and c's 1. Our returns policy states that we are happy to exchange or refund merchandise items if returned within one month of purchase (28 days), provided the goods are unused, unopened and in original packaging and accompanied by a valid Smyth’s Toys receipt. 2. Our returns policy does not extend to Software Zone and Nursery items and will be the Managers decision on each individual case. 3. For product integrity and hygiene reasons we are unable accept a return if it has been opened. 4. Most items are covered for up to one year against manufacturing faults, unless otherwise specified. 5. Software and Nursery warranty will be explained to you at the point of sale. 6. Your receipt is your proof of purchase and your warranty.

It's smyths toy store the problems I have encountered are recurring issues in the negative reviews about the product - would u suggest he doesn't like it or its not doing what it was meant to as the best course of refunding? Thanks for all the advice I have received so far

Also if I used the unfit for purpose reason - are they obliged to give me a refund or a replacement?