Jump to content

gunny45

Registered Users

Change your profile picture
  • Content Count

    13
  • Joined

  • Last visited

Community Reputation

1 Neutral

About gunny45

  • Rank
    Basic Account Holder
  1. I have 6 payday loans, About £2400 in total wonga mini credit speed credit payday express liquid advance lending stream obviously its now about £4000 due to all the interest I was with a debt managment company but due to my financial situation i cannot afford to pay them and have stopped My question is.. I'm due to move house shortly can i just move and put all my house hold bills in my wifes name and change bank and change my phone and just sort of go off the grid? I know it sounds drastic, and to be fair when we move i will have about 12k to be able to pay them all but i'm just a bit ****ed off with thinking i'm going to have to pay all that over the top interest would they just eventually just give up? actually i dont mind going to court either if it came to it. I've never on this site ever read that they have taken anyone to court! has anyone truly been taken to court over non payment? afterall people seem to forget we are talking "small" claims court on a funny final note, has anyone phoned the northern debt recovery line? does that guy on the recorded intro sound like the sith lord from star wars lol " wee willl fasst traack yourr debbts throughhh thee coouurts...." oh really sigh* my wife will take over all bills i will have nothing in my name and diff bank accounts and new address im self employed could this actually work? even if it didnt and they eventually cought up with me i would just plead ignorance and say i forgot when i moved to inform as i forgot who i owed, anyone know if this could work?
  2. By the time they fit a meter we will more than likely be moving the following week! seems pointless and unfare for those moving in once we move out. just want to know the timescale if anyone knows from receiving the first notice of disconnection letter i'm hoping these things drag on for at least four weeks
  3. HI I will try and make this as short as i can.. i am behind on my gas and electric bills (britishgas who supply electric too) about 800 pounds on gas and 600 on electric I have received today and "Notice of Disconnection letter that says my account has now been passed to a collections agency stating that they will call around in a "few" days and that "if" you dont resolve the debt in the next 7 days you "may" lose your enegy supply I obviously called british gas and got talking to their "overseas" department and explained that we are moving house on the 12th of april and that in four weeks time when we move i will have more than enough money over to repay all that i owe in one go (about 20k over from sale of the house). i also made a token payment of 160 pounds saying that in four weeks i will clear the rest. the opperator said she couldn't stop the letters or the people calling round my house but that they would read the notes that she would put on her system about me moving and paying in four weeks.. my question is that this is my first leter/notice of dissconnection i have received whats the timescale before they issue a warrent to fit a meter? the call centre opperator said it was pointless her organising a pay meter instilation as we are moving in four weeks. this is my first notice of disconnection letter to say my account has been passed to the collections agency will I have four weeks before they get a warrent from now?
  4. Having read many posts about "minicredit" on here I'm assuming that what they are saying to you about doorstep collectors is harassment on their part to make you pay up sharpish, I think as long as you keep emailing them, keep the lines of comunication open then eventually they will accept installments remember loan plus one months interest not anything else, their interest rates are way shocking. obviously if you totally ignore them and dont respond then they may take action, but as far as i am aware this cannot happen for the first three months
  5. got six payday loans payday uk 250 minicredit 400 speed credit 500 speedy loans 375 lending stream 800 quid.co 300 obviously my own downfall and now cant no way ever make the repayments so I've gone with a fee paying debt management company (i know they take their cut) and paying just £200 pounds a month (this has been agreed) it will be interesting to see how much interest minicredit and speed credit "add" before the debt plan starts up, i know i could have done it myself but do not have the time or patience to wait it out and i know hardly anything will be paid off the debt, or very little anyways but this is the path i chose in going with a debt management company and anyway hopefully in about 4 months i should have enough to pay it all off
  6. . Well. We shall see, its easy to knock every debt company. For me its what i needed to do. I have 5 payday loans i cant poss deal with them all. Ive only heard good things about this company on forum sites. I didnt just select them at random. Im also aware that 200pounds seems low. I will update as the weeks go on
  7. ok oook slight update, haha phones Lloyds tsb today twice to get the "push payments from these payday lenders off my account and was told no no sir we cant do that, on the third call i mentioned the fsa and how banks must put the customers first and ooooH it seems that was the magic word hehe they promptly put me through to a debit card disputes guy over the phones and bam!! he couldnt be more helpful and cancelled them all yay i also set up a basic account just in case, also gone with a debt management company lol for only 200 pounds per month will wipe out nearly 1 thousand pounds a month i was paying out, anyone with bad debt i would advise a least looking at a debt management company, they do all the work, nothing for you to do simples*
  8. my main concern is to pay off mini credit £500 speed credit £400 as no way will they even be pleasent if i default on those I plan to pay them this month hopefully lol speed credit charge interest at £25 per £100 borrowed every two weeks!! so £100 ontop of the loan every two weeks they dont even bother with a payment from you more than happy for you to just phone and put back for another two weeks this i dont plan to do as two weeks in this game goes mighty fast!
  9. Thankyou for the great advice I'm praying that they have just my one account/card details now, and I will call them on the day of default. i did default with them about a year ago and when i called them on the day and said i would'nt be able to pay for another month they just said okies nps and froze the interest, thet was for about £500, this time its £1200 but i.m flexable and can pay £100 a month for 4 months then the rest paid in one hit so over 5 months its paid lol sounds fair to me.. thing that gets me is that I defaulted before as i said and still they offer me loans I'd rather not fill out one of their forms first. id rather speak to them on the phone and get it sorted that way first, lol i have no money anyway for them to take
  10. I might have posted this twice sorry if this is the case as new here I know on the 9th ov nov that i will not be able to make the payment due £1200 owed or to extend £260ish neither i can do so being aware untill i have come up with a payment plan they might grab money from me and they having 3 bank account details of mine i called them today and asked that they delete 2 of my bank card details from their systems, this they did, i also didnt tell them that at the end of next week i might well be defaulting i just said i only wanted one primary card with them I left it a hr or so and called back and got i diff person and told him that i might default and asked what card/accounts they would try and take money from, he said he could only see one card account details and that would be the only one they would take money from hmmm is this true, did they really delete my other two cards details?? also is it also better to wait untill ive defaulted then email them with a payment plan or start as soon as emailing them? any help would be amazingly good
  11. I might have posted this twice sorry if this is the case as new here I know on the 9th ov nov that i will not be able to make the payment due £1200 owed or to extend £260ish neither i can do so being aware untill i have come up with a payment plan they might grab money from me and they having 3 bank account details of mine i called them today and asked that they delete 2 of my bank card details from their systems, this they did, i also didnt tell them that at the end of next week i might well be defaulting i just said i only wanted one primary card with them I left it a hr or so and called back and got i diff person and told him that i might default and asked what card/accounts they would try and take money from, he said he could only see one card account details and that would be the only one they would take money from hmmm is this true, did they really delete my other two cards details?? also is it also better to wait untill ive defaulted then email them with a payment plan or start as soon as emailing them? any help would be amazingly good :)
  12. I'm just about to on the 9th to default on my payment, i will then get a payment plan set up with them, but today i called wonga and asked them to take off/delete two of my three cards they had on their system they did this, i then called them back and asked if i defaulted on my agreement what cards/accounts would they try and take money from and they said they only had one card now on their system and only that card they would try and take money from, is it that simple??
  13. Ive got a payday loan with wonga of £1200 It's due on the 9th of nov I have no way of paying the agreed roll over of aprox £260 I called them today and without saying i was going to default i asked them to remove two out of the 3 cards they had of my accounts on their system the guy was very helpful and took the two card details off i then waited for 15 mons and called up to get a diff person to speak to and asked him to check what cards i had on their system and he said just one!! yay i told him that if i defaulted would they try and take money from any other accounts and he said no is this right?? also he said phone up on the 6th to request a ependiture form, they would email it and to send back and they, once receiving it would freeze and put my account on hold till such a time the payment plan was accepted is this true? is it that simple?
×
×
  • Create New...