That's what I don't understand! We have an email stating they have frozen all interest and charges. I have just emailed them a formal complaint about this and demanded a full breakdown of all charges, and every payment I have made to date. I'm not paying them a penny more than I have too! And here was me saying they were one of them better PDL companies! Or not!

Hi,

I entered a repayment plan with Wonga to pay £5 per week until May and then increase it to £10 a week until the loan was cleared. I haven't missed a payment but the amount I owe seems to be going up! For a £500 that I had started repaying before my due date they now say I owe them £690 and I've been paying them the £5 a week since before Christmas! When i started the repayment plan I only owed them £480 so they can't be deducting my payments and are adding more on in interest than I am paying per week!

Please Help! I don't know what to do! We actually felt like we were getting somewhere with clearing our debts then this happened! What do we do! I'm not paying them all of that! I don't see how I can possibly owe that much!

Hi CB. As we all know, MH, TFF, SC, MHB are all ran by the same man. The letters are as you say, a direct breach of OFT guidance and are purely designed to intimidate and mislead the debtor. Just a good thing their appeal hearing is next month and it is very unlikely they are going to keep their licence.

We had an anti fraud Marshall Hoares bailiffs email today!!!!

Almost identical to the email we got yesterday. They are impossible to deal with. Even though you have overpaid they will continue to harass you! Good luck!

And reply received saying they won't do anything about it! Fuming! Feels to me like they have friends on the inside now!

I have more than enough proof that they have operated illegally but the people who have the power to do something about this won't do anything! What now?

I wish I had known earlier in the process of dealing with the PDL companies how much quicker things get dealt with when you mention seeking 'independent legal advice'! After getting nowhere with most companies I have written this in every email sent and suddenly all unlawful charges are removed and hey presto I have repayment plans in place that are actually lower than I was planning to pay, will stick to what I was intending to pay in order to clear these debts as quickly as possible!

They don't need to know that the advice I have sought is mostly from this board and through reading the oft rules with a fine tooth comb! It's been worth the weeks of have no spare time to sort this! I've become wuitem

It seems like a huge mountain to climb but it can be done. I've negotiated with most of our PDLs and got payment plans agreed. I've got 10 of them to pay off but after a lot of hard work I will. Be free from them by this time next year!

Txtloan were without a doubt the easiest ones to deal with, one email and it was sorted. They just had to wait an extra day for the first payment as my bank were slow I sending it it but after that no issues! I will have even cleared them a month early! Still negotiating with PDUK, LendingnStream and a few others but have been putting aside what I'm offering them each week into my ISA until I get their bank details as I won't pay by card! I might even be in a position to offer one or two a full and final settlement figure soon.

Don't panic, it seems impossible now but you can and will get out of the PDL cycle and trap.! I will never ever take another one out and am proud of the fact we will have got ourselves out of £16000 worth of debt in 18 months through working all the hours we can, selling our old crap, etc! I'm absolutely rubbish with money and if I can stick at it then I'm sure you can do it too!

I have finally sent off my complain to the oft about these glorified loan sharks. It has taken me a while as I have wanted to get the wording right, double check all my complaints were justified and get copies of alley emails, texts and letters together to post off as well. Wonder what's going to happen now! I hope I help shut these thieves down!

They have no right to see them! I think they will ask for them from us! Not having them!

I've spoken to citizens advice who said we should offer then £15 per month but we have offered £5 per week. Any more than that and our kids will suffer and why should they go without for our stupidity ? Obviously they aren't spoilt but they need clothes, food, school trips etc. at the end of that day the PDL will get what we can afford and not a penny more. I have more important things and I am still paying them off. And will clear what I owe within 12 months!

Lloyds have put a block onto my card for these PDL companies. It's worked for us, and disputes usually put the money back in within 24hrs of it being taken and I check hourly and transfer it straight out again!

thanks for this, can i just ask whether anyone knows anything about this chargeback? the bank are saying i have to keep waiting for every amount to show on my statement, is this correct or can they refund the amount straight away?

I had over £500 put back into my bank by LLoyds this week so you can get it back. They will only refund from the date you asked in writing for the CPA to be cancelled and you will have to fight for every penny but it can and will be done. You need the disputes dept. and for what it's worth I complained quite loudly threatening the FSA and got £100 compensation, free upgrade of my account ( that I have now closed! ) and they have refunded the cost of my premium rate phone calls! Kick up a huge fuss and you will get it sorted! Oh and I tweeted about them as well! That really got them upset!!!!

Can I send a letter recorded delivery to a po box?

Won't happen! I've been trying for a month to do this and they keep adding charges. This morning I have sent an email entitled formal complaint to see if that happens and told them I am reporting their charges and refusal to accept standing order to the oFT, as well as theirs threatening debt collector letter. Letsnsee if that helps.

I'm not paying anything to easyfinance, speed credit or minicredit. I'm putting what I have offered into my ISA each week and when they see sense I will pay them what I owe. I am now earning interest on that money, nota lot but its something! i have offered every PDL we owe £5 a week which is affordable to us until. Leaves no money for luxuries but we can eat, pay our bills and manage to run the car. Most have been more than ok with this, and as I pay off each PDL I am increasing my payments to the rest, only by 50p each time I pay off a loan but every penny helps to clear the debts!!! I have worked out we can be PDL free by christmas and we owed over £6k at the height of our debt.

I've reported a few to the OFT and threatened to report a few others. They soon back down! I found Wonga, TxtLOan and PiggyBank were the easiest to deal with and every week piggybank email me confirmation of my payment and my new balance. They froze my account at the loan plus one month interest without even asking!

Welcome!

We have 10 of them totalling almost £4000 with interest and charges. We are going to be skins for all of this year but should be debt free by the end of the year!

It's definitely a battle. Which companies did you owe?

We owe

Wonga

Mini Credit

Payday UK

Payday Express

Piggy Bank

Txt Loan

Lending Stream

Easy Finance

Spped Credit

Wage day advance

Only managed to negotiate payment plans with three of the ten so far and know I won't get anywhere with three of them but hope to sort the other four some point this month.

I have written a very long letter of complaint to NDR after receiving a voicemail today inviting my to make an appointment for a visit, or if I don't them just turning up! I would like to see them turn up here! I am not afraid to fight my corner. Obviously I would do it calmly and diplomatically as I am not giving them anything to use against me.

What is the best address to send post to as I want them to actually read what I say? Also I owe both easy finance and speed credit. I've learnt the speed credit loan was taken out after they lost their licence. Can I mention this to them and ask how they could loan me money without a licence?

I have started my complaint with the OFT as well. I cannot wait to pay my part in bringing these sharks down!!!!

After MONTHS of complaining I have finally had the CPA cancelled for all PDLs and they have refunded me the £500 they managed to take before I secured my money in a Barclays account! I feel so much better now that I am finally well and truly back in control of my money!

I have set up repayment plans with 4 of the companies I owe money to, and am negotiating with another three but know I won't get anywhere with Easy-finance, Speed credit and miniCredit so I am putting what I am willing to repay per month I to my ISA until they will accept my plans. I have worked out my budget and can afford to pay each PDL £5 a week without neglecting essential outgoings and putting a bit aside for emergencies. As I repay some of the loans I can then add more to the ones remaining. I have worked out that by doing this I will be debt free by Christmas! I refuse to pay more than my original loan, one month interest and one default fee on all my debts, and have agreed that with txt loan, wonga, piggybank and Wageday advance. And yes it's all I writing! God it feels good to be in control of our finances at long last!!!

They are evil! I am putting aside what I can afford to pay them each month, have emailed them and written to them plenty of times now saying I am willing to pay back my original loan, plus one months interest and one default fee but they refuse to acknowledge it. I now put it into my ISA until they see reason and have just lodged a complaint about them. I seriously believe they will eventually lose their licence given the many ways they break the law!

Hi all please can someone confirm which are the correct bank deatails for wonga.thanks in advance.

The ones Gren has posted are the ones they publish on their website if that helps!

I'm in the middle of collating all my evidence about these loan sharks and want to know how I make a complaint to the OFT about them. I have plenty to go on.

1) refusing to communicate via email

2) pursuing the debt through more than one company

3) MHB misrepresenting their powers (surely claiming to be bailiffs with bailiff power is actually fraud)

4) acknowledging I had cancelled CPA but still attempting to take money anyway then charging me when payment fails

5) unjust and disproportionate charges

6) harrassment and intimidation

7) refusing to give me a full breakdown of their charges (every email I get tells me I owe a different amount, even get told two different amounts in the same email)

Any help would be hugely appreciated? I am going to o everything in my power to stop these b******ds from ruining other people's lives! Yes I k ow we were stupid to get sucked into the PDL hell but we are trying to get out of it now and will be clear of all our debts by the end of the year! Just don't think these will let their debt lie so will think I owe them money for the rest of my life!

Im having the same problem and saying I owe over 2000 for a 400 loan. They now saying I need to pay it in full my tomorrow. Like yourself I cant afford, currently on job seekers. How on earth do I go about trying to set up a payment plan or what not or who do I contact for help? :/

I'm guessing you had an email from NDR today saying you needed the full amount available in your account from midnight tonight?

I just had that one and hit reply twice with the same response. I said as was my legal rig I withdrew any right for them to take money from my account, that if they did I would report them as it would be illegal. I also then went on to say that I was reporting them to the relevant authorities as I had sought independent legal advice and they had no leg to stand on other than to ask for their original loan plus one month interest which is all I will repay. I then mentioned how bad they looked pursuing the debt through more than one company and that the FOS would love all the correspondence i had from them. I gave them until 5pm to acknowledge receipt of my email and said if I didn't have it by then I would assume they were willingly breaking the law and would be straight on to all authorities interested and ensuring that I did everything in my power to make sure they lost their licence.

Haven't heard anything yet. Next step is a recorded phone call, which I am going to make on loudspeaker and record. I've also rang my bank cancelling CPA and would suggest you did the same. I think they are running scared as they know they are under serious investigation!

My wife called our bank to cancel the authority for a PDL company to take any further money from the account. Now we should have been suspicious as the person was very helpful. They confirmed that the instruction had been cancelled and that they were sending out forms to reclaim the last payment made in December, despite telling them that we are not disputing the last payment.

 

So this was the 17 Jan and the payment was due for 20 Jan. However, what we didn't realise is that the company was taking the payment earlier due to the payment date being a Sunday and that there was less than 24 hours. The bank didn't inform us of this either.

 

So I spoke to a few people today, still not realising that the reason it went out was due to it being collected earlier due to the 20th being on a Sunday. These people were the most unhelpful people ever. They somehow think I can see that is on their systems.

 

Anyway, it turns out that we now have to reclaim the payment so it's good that we're getting the dispute forms meant for the December's payment as we can use these.

 

However, I was also told that I can't go down to the bank and hand in my instruction in writing as I offered to do. I have to fill in certain forms for this particular type of transaction to get the instruction cancelled, which the original person failed to mention as they were assuring my wife the instruction had been cancelled.

 

Not only that, but the person we spoke to today even said that after completing the forms they cannot guarantee the payments would be stopped!!

 

Does it really need to be this difficult? I also get the impression from the people that I spoke to that if one of their colleagues makes a mistake then it stops with that colleague. No one was taking responsibility of the problem it seemed. What was most irritating was the first person I called kept saying 'you're only hearing what you want to hear' every time I or my wife didn't agree with her. She even used the phrase when she told my wife the money might not go out and my wife had to point out it had already left, that's why she was calling!

 

Anyway rant over. With the process involved it's more than likely that next month will come and go again before we get the form, complete them, return them and they eventually pull their fingers out.

Almost impossible. I wrote to lloyds requesting they cancel the CPA. They wrote back saying they couldn't and allowed over £200 to be taken causing an unauthorised overdraft and for some direct debits to bounce. I wrote back a formal complaint quoting the law and insisting they refunded me and canceled the authority. Hand delivered this into branch. Currently awaiting a reply from them but no money has left my account since! I think the threat of being reported for illegal actions might have kicked them into gear!

Not worried about this at all after reading this forum,just letting you know. I will continue to repay my loads at £5 per week until I have paid my original loan (£200 with speed credit and £200 with easy finance) and then stop and tell them yet again to justify the rest in court. What worries me isn't them and their threats, but the fact that once we are out of the PDL hell we intend to save to buy a house and what effects this will have on my credit rating.

I have emailed the company in their various forms at least once a week, yes I have kept all emails, even the Automated ones returned to me! I have sent them letters via recorded delivery to them at every address I can find, and kept a photocopy and proof of postage but apparently I'm not in contact with them! Go figure! And today as we stand I've had one email, two posted letters a text and four phone calls! The posted letters were from Appleton Massey. I thought it was illegal for more than one company to be chasing a debt at any one time?

Where do we go from here?

I hate all the PDL companies I have to deal with but of a bad lot these have been the best! I offered them £10 a week starting next Friday by bank transfer stating clearly I would only pay my original loan, one month interest and a minimal default fee. They emailed back almost straightaway with a breakdown of all that and agreeing to my payment plan. And even better they want back less than I was expecting to have to pay. Only £15 less but better than a kick in the teeth. I only communicated by email with them. On the other hand almost every other company I need to deal with has been a total nightmare and I'd be going round in circles if it wasn't for the fab advice on this forum!