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dickturpinn

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  1. IF you were trying to add a PDL to your stepchange arrangement and you took out loan after your original agreement Stepchange would rip up your payment plan as when you agree to your monthly payment plan you also agree to not incurr any more Debt
  2. Just read entire thread right through ,it sounds Marvin that you have a good case. Surely if they try to re-schedule court date for a 3rd time you can contest this and try and get some resolution on all this as I am sure your nerves are shattered with this and problems at home with the Mrs as well. Big pat on back for all who have been helping Marvin, fingers crossed you finally get it sorted. this company sound terrible MORAL OF STORY NEVER TAKE OUT A SECURED LOAN ON YOUR HOUSE ,there is usually another option
  3. In my dealings with Scott & Co about c/tax arrears they were ok as long as you stick to your agreed payment plan However if you missed payment, they will come to your door with court order about arrears and add about £90 for handing over summons Dont get mistaken that these are Debt Collectors,if they are acting as messenger at arms then can force entry and seize goods to the value When I tryed to deal with Glasgow City Council directly I was informed that my account had been passed on to Scott & Co and had to deal with them Regarding debts being for this year council tax works on a 2 strike policy :you get 2 letters regarding arrears then the debt is passed to Scott & Co,So in theory if you miss first 2 months then you will be getting chased for debt in 3rd month of the payment schedule
  4. Payday Express is the worst PDL company I have ever came across when you try to set up payment plan I think they stall you as they TRY to add charges daily and constantly phone you (I am talking 15-20 times daily) After eventually setting up a 7 month payment plan on 2 occasions they took double payments out my bank and I had to tell them to return the funds and on both occasions they asked if I wanted to settle it against my balance Now after paying off loan 3 months ago I got 2 calls last week about my outstanding balance then when I went through security check they told me "I am sorry" your loan is paid up I have now told them if they phone me I will be contacting my M.P. Bunch of jokers
  5. Wow thats some balance with wonga I found them pretty easy to deal with I owed £387 on 1st Sept..... I defaulted payment and my balance was up to about £478 yesterday I waited for the phonecalls some number ending in 500 and basically told them that i was in a debt spiral trap with there loan and there interest charges were not fair and compounding my problem and I was contacting my local M.P after waiting a few mins on phone I agreed to my original Debt(£387) plus a late payment fee off £20 and a monthly plan of 4x payments off £102 Sorted
  6. as above post CCCS were realty helpfull and supportive and i have been with them for 2 years with DMP in place with interest frozen with all creditors
  7. I found payday express to be the worst company to deal with when i defaulted ,there operators were useless and we went round in circles on phone until i eventually stopped answering there constant calls after emailing them about my need for a payment plan I eventually recieved this email We note that you are currently unable to repay the balance on your account as agreed. So that we can identify how we can help you, please contact us on 0115 908 1163 to discuss the repayment of the outstanding balance. Whilst you can contact us via email at [email protected], there may be up to a 3 working days delay in responding due to the number of emails we receive and in order to understand your current circumstances as well as trying to resolve this with you, contact is preferred. The above number will pass you through to a Financial Difficulties agent whom will try to help you. If you do not contact us then interest and charges will continue to accrue as well as collection activity in line with our collections policy once your account falls overdue. Our opening times are: Monday to Friday: 9am – 5.30pm. We look forward to hearing from you. After speaking to someone with a brain we agreed a plan over 5 months with the interest frozen We agreed I pay by standing order and i got this in writing with payment plan via email Stick in there
  8. Ok thanks for reply guys i am on a DMP with CCCS on a yearly review with interest frozen and the debts are getting passed around each year to other debt companies Is a DAS the same as a DMP I was only asking about a trust deed as someone from a debt company phoned and said i should go on a trust deed and keep house and be debt free in 3 years I told him that he was talking rubbish as i had equity in my house but he was adament in what he was saying These guys dont care about your personal circumstances they just want the commision i think I will stick with CCCS at moment thanks
  9. Looking for some advice on Scottish Trust Deed I have been dealing with CCCS with my creditors for last 2 years and been paying a few bob but my estimated debt wont be paid for another 15 years on current payment plan I have about 20.000 grand in debt but i probably have that in equity in my home the answers or advice i am looking for are 1.After the 3 years on a trust deed how long would it be before i could get to a reasonable credit rating(I know my credit score is rubbish at moment anyway) 2.Do you have to sell your house if you enter trust deed to release equity for creditors 3.Would my current mortgage lender have to be informed and would this affect my mortgage at present with them None of my debts are secured just the usual loans,cc and overdrafts or am i better off sticking with CCCS and waiting till i am back on my feet a bit and offering payment offers for Debts Many Thanks D any advice would be great thanks
  10. i would open up a new account or get new bankcard if i was you before they take all your money this month and then see what plan you can set up
  11. I found wonga pretty easy to deal with once i "lost my bankcard" and agreed a payment plan over 4 months to clear a 700 debt, they only thing i didnt like was once it was payed off i was bombarded with texts emails to get another loan
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