Furthermore , and trust me I am not trying to upset you further, but Barclays could not have sent your alleged debt to th worst DCA in the country. Once MARLIN are involved they never let go..sorry to say..youl be in for along slog with them especially if the debt has ben assigned to them.

Ive been informed that the best time to ask for a repayment plan with wonga is three days before your paydate,also be aware theres no way on gods good earth will they have deleted your other card details, these companies collate as much information as possible,they will still have those card details on file

Peter Correct me if I am wrong but didnt you make our first payment of £10, Not by standing order but by direct credit ie paying it into their Barclays account in branch ?..Looks like Iam going to have to play canny here and set up a payment date of about the 4th and pay direct in around the 28th of every month (my payday) Thats if they accept of course. To me the above email stinks of them wanting to get their sticky fingers on your new debit card details

Folks as stated in a previous thread I have been a member of CAG for a few yrs now and the help and advice I have in the past and been superb. I must admit to being ashamed having found myself in a dangerous position with four PDL,s. One of the four is the infamous Payday Express, whom after reading about on CAG appear to be one of the main hardballers. I borrowed £600 off them and by the time I am scheduled to pay them back on the 28th of this month, will have risen to £750. We are struggling badly, leaving me no alternative but to default. I have read through quiye abit of the PDE forum and can find little to suggest what possible outcomes can be. They seem to play hardball from the onset, I see little evidence of repayment plans being set up, so the question Iam asking is ..What can I expect from them (trouble and harrassment I know) but what practicably ?..Is it likley to go to debt collectors after a period of time ? and does anyone with experience of them know what they do in terms of the interest...Folks abit long winded, I know..but could do with some pointers when dealing with these

Peter Thays great news , gald your repayment plan has been set up, i will be defaulting on the 28th of this month and will follow your lead in terms of what you did, iam hoping the buggers will accept my ten month payment plan of £140 per month over ten months to clear what will be a £1400 debt by the time of defaulting, was there any particular wonga email address where you seemed to get most joy, Peter ?

Sharpend, have you actually had confirmation from them that your repayment plan has been agreed, Im worried for you incase theyre quite happily taking your money but STILL APPLYING INTEREST...get the buggers to confirm that all interest is frozen....have you checked your account online

Cheers guys, Iam terrified at the prospect of going through this, as I understand it as soon as you request a repayment plan, they add a I&E to your account online, ive heard theyve have been granting some repayment plans but at crazy repayment rates over periods of 4 and 5 months. Sharpend, ive had no reply yet either but Iam lead to believe that they will only deal with you at the point to actually default. Iam not due to default untill 28th November 2012..just know now iam not going to be able to afford it.

Guys, I have been a member of the CAG for several yrs now and must admit I never thought I'd find myself asking advice of this nature. I have managed to spiral my Wonga Loan out of control to the extent that I borrow about £1.089.00 a month merely to cover mortage payments, (I know crazy stupid sitsuation I have got myself in !!!) by my next payday 28.11.2012 I will be paying them £1450.00. I have got myself in such a crazy fix that I am left with no alternative but to request a repayment plan if only to minimise the interest Iam being charged very month. First and formost, after reading other posts on here, i believe Wonga will not even deal with me until i actually default. As a result I was wondering if anyone could asist with the following. 1. Can anyone possibly help with an initial letter to Wonga requesting the Repayment Plan (Iam planning on letting them know asap, that there will be a likley default on the 28.11.2012) 2. Can anyone let me know how long Wonga will allow a Repayment Plan to run. (I am looking to possibly clear the balance of £1450.00 back over a 10 month period at approx £140 per month. I I have already put the background stuff in place..ie set up of basic bank account for salary, cancelled debit card and will be informing bank and Wonga of cancelled CPA instructions. Just hope the buggers will agree to my proposal. I will of course merely send them basic I/E info and insist on all correspondance in writing. Any further advice would be most welcome folks, as Iam also in a similar situation with Pounds tilpayday to the tune of £600..so I will be employing a similar course of action with them.

Loads of us ! please check out some of the old threads on this mortgage section. Birmingham mids are now activley monitoring the threads on this site. Our members have had success reclaiming charges and i was probably the very last in the country to get anything out of them in terms of ERC.....BIFFA

everyone else is so il have a bump too

cheers Ian

Allo folks youl never guess whats happened to my mate she sent off her full SAR request with the statituary £10.00 fee and received a letter today. with a list of several charges on it that they state had been added to her account since since jan 2005 (yet charges are shown for 2004) please note no statements !!! approx £300 worth of charges my freind estimates well over £1,000. they go on to state charges added on accordance with original agreement. What do you suggest at this point. they clearly havent complied with full SAR and have not sent her statements just a letter outlining charges that they believe were attributed to her account, some of which date earleir than they allege she has had the account...advice please

My dearest Zoot do we know of any devlopments with regards to the above....the Bristol and West hammered me for charges.

Great news well done !

Cheers ZOOT Will do

Folks I am fully aware that we all been through quite alot recently with some members being luckier than others over the outcome of the claiming of ERCs. I am also fully aware of the advice that ours Mods have given us regarding ERCs following recent devlopments, In view of that what is the feeling about pursuing mortage account charges ? Is it still safe to go after them ? im aware of a couple of recent charges defeats or do you think its still prudent to avoid the issue bearing in mind indmnity clauses etc.Any advice would be grateful................biffa

regarding charges we ve mostly managed to get it sorted with letters , however ERCs have always gone leagl unfortunatley

wheres the transcript ???

cheers Zoot perhaps this is another database we need to create. Companies employing the indemnity cause

Zoot to date do we have a list of any companies that have appeared to have employed the indemnity causes, im particularly interested in the Bristol and West

well it would appear that i caught Miss Hinchliffe perhaps at the right time when she came back from her hols. iam unaware that shes been using these tactics of late. if thats the case then roll on operation revenge!!!. CAG will always come first with me !

iam unaware of the tactics shes been using Zoot and i apologise if you think iam cozying up to the enemy, what exactly has she been up to ????/ Must admit i now feel like a pillock posting the above now. but just wanted to explain my experiences of her

A very interesting notion, bearing in mind that several of us have dealt with racheal. I can only tell of my own personal dealings with the girl, and i have to say they can only be described as positive. Dont get me wrong Iam not siding with the enemy, but the girl did her job,she put my settlement offer to her client, got the relevent agreement and my cheque appeared the next day.I think we all have to accept the obvious in that our threads are being monitored by external agencies.But Raceal, like Tommy Mclean at the Royal Bank of Scotland show that there are bank and Mortgage staff there who do try to do the job right and display commendable conduct whilst doing so.

Nice to hear you got your cheque Uk...........enjoy it mate

Paul glad you got out without the costs. My current mortgage is with accord just hopin i dont fall foul of em !...best of luck and keep in touch mate......biffa