Thanks all for your responses, just a couple of questions- Whats a DSAR? (sorry i'm a newbie to all this!) Someone mentioned about going after them for all the charges, how do I do this? Thanks again all!

Thanks thats appreciated!

It's Payday Overdraft. They really are trying it!!

Hi, I'm hoping someone can point me in the right direction. Back in 2010/2011 I took out a payday loan for £248 and a short time afterwards my relationship broke down, leaving me in a very bad way both financially and mentally. I explained what had happened to the payday loan company, who initially seemed responsive to my situation, agreeing to freeze the interest and put in place a repayment plan, which i stuck to and a few months down the line i contacted them for an update of what was owed. It come to light at this point that they were not freezing the interest on the loan, they were actually adding it on daily, so the amount I owed was going up, despite making these payments monthly. I argues with them about this but they refused to help, so at this point I stopped making payments, and advised the company that unless they stuck to what was originally agreed I would make no further payments. Time went by and they kept emailling me, advising how much the loan was going up by, and eventually they issued county court proceedings against me. Now I know at this point i should have done something to defend myself, but due to my own mental health at the time it just didn't happen. They took it to court and a CCJ for over £3300 was issued against me. This has been set up as an attachment of earnings, so since Nov 2012 I have paid them £25 a month directly out of my wages. Obviously I wasnt happy about this but didnt really think I could do anything about it. Just recently, this company have been contacting me again, asking for more money, to come to an agreement, and even to follow them on twitter! Unluckily for them it served as a reminder to me that I actually think what they have done is really unfair, and maybe now I am in a better place mentally I should try to do something about this. I have contacted the Financial Ombudsman, who have advised that although they can't do anything about the actual CCJ they can log a complaint on my behalf to the company about the way I was treated. So i have done this and that is in progress at the moment. I have requested that the company write of the remaining CCJ debt to them, as the amount was completely over exaggerated and unneeded, as I had always been willing to pay as per the repayment plan originally agreed. Currently, they have refused to write all the money off, they are saying they will write some off but i am pushing for it to be reduced further. I understand I have to give them 8 weeks to respond before I escalate this with the ombudsman. I am hoping the Ombudsman can do something, at the time this lender sent me some terrible emails, even one telling me I would be imprisoned for not paying! So really I guess my question is, is there anything else I should be doing? Is there anyway i can force them to reduce the outstanding debt? Thanks all for any help you can provide, it really is appreciated!

So far so good, she has been wonderful. Will give a full update when I can!

It's a bit of a difficult area, as it depends on whether on the ship you are able to pick up the signal from the closest country, which if you are then it would be part of whatever mobile package you have bought to cover your travel to this area. However, once you are far out at sea the cruise ship uses it's own seperate network, which is via satillite. Whenever I have cruised the costs have been detailled in the information you receive when you board, and they are extremely high, around £1 for a text and £3 per minute for calls. However, with regards to problems with faulty phones, i would recommend contacting the Twitter customer services team, as whenever i have had a problem they have been so good at getting it sorted. Hope you get it all in order again! Kel

Thanks, will contact you now.

Thanks Uncle, have done that!

done! Worthy cause!

If anyone else viewing this could PM TomTubby to let her know i'm not ignoring her that would be great!

Old Russell Brand podcasts, always cheers me up!

Scallywag Patch Rivers... think it's got a good ring to it!

Tomtubby, i can't reply to your PM, as I am a new member! I will have a look around the site to see if i can push my post count up somehow to allow me to PM you back!

Yep, taken tomorrow off work to try get this sorted, just hope it does the job. I am a nervous wreck at the moment, it's just making my own health problems worse thinking bout it

Oh jeez it's all so complicated. The b/f has spoken to them, he spoke to the baliff in person this morning, but they won't listen. He has said he will do anything to get this sorted, but they won't do anything, full payment or they seize the goods, as they believe he lives with me. They won't accept it split into 6 payments, wouldn't even accept a token payment this morning.