Hi, New updates from PDL company: Dear Mr. XXXXXXX The rollover option is a non-advised option, we cannot suggest this option, only provide the information. Your advisor would have asked the direct question: "If paying the entire amount of principal including interest on your next payday would cause you hardship, you can opt to pay the interest due and 10% of the principal at this time. Each time you extend the loan, you will incur an additional months interest on the balance outstanding but you can always call to pay more or clear in full at any time" You borrowed £400.00 (£385 was transferred as you requested the faster payment service) on the 25/05/2012 and were due to make a repayment on the 22/06/2012. On the 22/06, you paid £160.00 Your balance of £360.00 was then transferred to your following months paydate. Your payment was due on the 20/07/2012 but this failed. If you had replied to the numerous calls/texts/emails on this date and informed us that you did not want this service and an error had been made, we could have looked at a resolution. Your account has been past due since 20/07/2012 and interest has been added to your account. The first contact you made to our firm was on the 31/08/2012 If you wish to enter a payment plan on your current balance of £792.00, you need to provide us with a breakdown of your income and expenditure also detailing any payment offers to other creditors. We will happy to accept an arrangement on this balance providing you can show us why you are in financial hardship. Upon receipt and acceptance, your balance will be frozen and no interest will be added to your account. A final resolution we would offer on this account will be a one off payment for a settlement figure to draw the matter to a close - the settlement offer on this case would be £468.00 and would need to be paid within 30 days. Regards UK Lenders Alliance still no explanation for creating rollover without my consent. i was abroad from mid july till mid august,of course i wasn`t aware,that some PDL company wants to get contact with me and as a proof i`m still keeping the fly tickets.really don`t know how to speak with them further....

Hi guys, To Nao,i found this from: Explanation of your loan, Applications to extend We encourage you to repay your loan in full on time and we assess your application on the basis that you will do so. If you cannot afford to repay on the due date you should not sign up to this agreement. In certain circumstances, however, if your financial position changes such that you cannot afford to repay us on the due date, you may apply to extend the loan. We will consider your application and will only agree to extend the loan on a limited number of occasions where we are satisfied it is responsible for us to do so. If you are permitted to extend your loan this will mean the period of your indebtedness will be extended and will also mean that you will end up paying more than you originally anticipated. Please note that we will require a minimum repayment of interest plus 10% of capital to extend. For example, if we agree to extend your original loan as outlined above you will pay £160.00 in the first month (£120.00 interest and £40.00 as 10% of the outstanding principal) and £468.00 in the second month (£108.00 interest and the outstanding principal of £360.00). You will therefore pay a total of £628.00 for your loan of £400.00 which is £108.00 more than you would have paid if you had discharged it on time. the amount seems correct,but once again if i was only requesting for extension but i wasn`t and they don`t give any proofs for that.

Thanks for yourhelp and advice guys! Got some news again,after couple of days my e-mail where i asked about the proof for rollover,they replyed: Mr. XXXXXXX, As stated in the previous message, the loan agreement sent to you covers your outstanding account. During the application process you stated that it will be better to have the roll over option. Your loan current balance is £792.00, we are willing to settle your account for £400.00 wich is the original loan amount. Please contact us as soon as possible in order to set up you payment. Customer Service what a b......t,application process was made online,there`s not even a option for that,later i found from the contract,that you can apply for rollover by the phone or e-mail.So,again a big fat lie...and the original amount is £360,because they had £160 allready and thats all what i owe them and i`ve been offering this money to them by three payment allready,but they refused.Really,i don`t even know,what to say them,after that kind of e-mail...

Thank you for a quick reply! Should i carry on to sending them e-mails and asking proofs for the rollover?

Hi, got the new e-mail from them,when i asked the agreement for a loan what they issued in june.In some reason they are quoting two reference numbers. RE: Email Response, Ref: 193807/197623 Dear Mr. XXXXXXX Your loan agreement sent to you covers your outstanding account which has been deferred. Your current balance is £792.00. Each time we pass your paydate, interest is being added each month. Regards UK Lenders Alliance but still no word or proof about rollover???

Thank you for your replys! Sended them a e-mail with request of agreement exactly how you adviced and that was the answer: Dear Mr. xxxxxx Please find enclosed your loan agreement. Section 8.6 details the Extended Payment Option. Regards UK Lenders Alliance and they attached the agreement what i signed on 25/05/12 when i took out the loan at first place. section 8.6 says: 8.6 If you cannot afford to repay your loan on the Payment Date you may apply to extend it and we will consider whether we can agree to this, but we only do so on a limited number of occasions where we are satisfied it is responsible to do so. Please note we actively discourage extensions which prolong your period of indebtedness and end up costing you more than the amount on your loan agreement. We will always require you to pay off interest and a minimum 10% of capital. You are encouraged to repay your debt as quickly as possible to minimise your credit costs. You can request an extension by calling 0800 533 5400 or emailing us at xxxxxxxxxxxxxxx]. yes,but i never asked for extension,money was in the bank and waiting them!!! feels like running against the wall....found from the Google similar cases with the same company,seems like common business for them to squeeze more money out from the costumers!

Hi, Here`s the breakdown what they sended to me xxxx xxxxxx Here is a breakdown of your account: LoanNo Date Funded Date Due Date Repaid Type Loan Amount APR Duration (Days) Credit Principle Credit Deferral Credit Interest Credit Charges Debit Repaid Debit Deferral Balance 197623 22/06/12 20/07/12 Rollover 360.00 3370.0 28 0.00 360.00 432.00 0.00 0.00 0.00 792.00 193807 25/05/12 22/06/12 22/06/12 New 400.00 2957.0 28 400.00 0.00 120.00 15.00 175.00 360.00 0.00 Regards UKLenders Alliance no ideas,from where they took the rollover?? Tanks for the replys!

Basically they are demanding for £684.00 instead of £360.00 ,what i really owe them!

Hi,got some news from them.I was offering them to pay outstanding balance £360 over the three months,this was the answer what i got Your balance is £684.00. We have been attempting to contact you since your account fell into arrears on the 20/07/2012 but you have not responded to any calls/texts/emails. We can spread this balance over 3 months which would work out to be a payment of £228 per month. Regards UK Lenders Alliance what is totally untrue,been sending many e-mails to them but they been refusing to take £360 as reduced?? payment in installments. Any ideas? Cheers,

Hi, i sended them a letter by recorded mail where i asked for a explanation. After one week i got a e-mail from them: Dear (Edit) In response to your letter I can confirm you have an outstanding balance with UK lenders alliance in the sum of £684 from when you took out a payday loan and failed to maintain repayments. Please call on 0800 533 5400 urgently so that we can discuss a payment option with you Regards UK Lenders Alliance In that e-mail they are showing a reference nr.197623 what is untrue...i had one month loan with oneoff payment on 22of june,all the money was in the bank by that date but they took just part of the money!!! How to deal further with that problem? Thanks for your reply!

Should i send CCA request letter?

Hi,help needed with PDL company CashChoice with trading name uklenders alliance. Took out the PDL at the end of may with them for £400 and contract was for 28 days with one onoff payment for £520 on 22nd of june. £400 for loan and £120 for interest. Checked my bank account few days later and found out,that money was taken £160 altough all the funds was avalible !!! My alarm bells was starting to ring and i knew that something was wrong,because £160,it`s not the interest,it`s just a odd amount of money??...gived a call to the bank and reporterd my debit card stolen.Went on holiday on 20th july and back in beginning of august i found the e-mail where they are saying that my account is in arrears for £680 on todays date.And they are giving totally different reference number!!! Basically,it looks like they made a deferral without me and my approve to drag out more money!!!I`ve got my contract what states clearly,one onoff payment on 22 of june £400 loan+£120 interest. Any ideas,how to deal with this matter?? Thanks for the replys,