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About hazelann2011

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  1. ok will do when i can get to the library!
  2. i will look for the reciept now, who do i give the receipt to to prove that i dont owe anything??
  3. No they dont sign the parcels basically you pack the kit into a box and ann summers arrange for a courier to collect when they collect your given a barcode to put on the parcel (but it only goes on one parcel out of the two) then they sign a receipt (which i think i have still got somewhere) and take the parcels. from the point that it left my door to ann summers the second parcel seemed to have disappeared hence the outstanding balance. ive heard its not the first time from places like ann summers and avon. i cant reclaim from the courier as its ann summers that arranged it all with
  4. they have already sent me a break down of why i owe it, i sent my kit in two parcels and they apparently didnt recieve the second parcel which means i am liable for it even though the parcels were picked up together signed for together! recieved a reply to my offer still refusing! Good afternoon, Thank you for your email. Unfortunately we are unable to set up a longer payment plan than 3 months. Sorry for any inconvenience this may cause. If you have any further queries please do not hesitate to contact us. *Please ensure that you reply with al
  5. yes i have a few one with wonga and cash genie but they are already set up in a payment plan so they arent a problem these are express payday that just want me to roll it over
  6. this was my reply : I apologize but i wouldnt be able to pay £73 a month back as i would not be able to afford this. I would however like to get the debt cleared quickly just like yourselves! Would you perhaps be able to spread this over 6 months instead? Making it £36.98 for five months then a final payment of £36.99. With being on benefits i feel this is a very generous offer towards sorting this arrangement out thanks. no reply as of yet, but if they decline this what would i be able to do? leave it until they try and take me to court for it or what?? i a
  7. the first lot of contact was via phone when i set up the first repayment arrangement however they wanted me to ring back the following week to set it up because their systems were down however i wouldnt get paid until the end of the month (this was middle of november) first email i got from them was this Dear Hazel, Various efforts and reminders to resolve your arrears have failed. You continue to breach the Terms and Conditions of your Loan Agreement. We have received no communication from you and your account has continued to fall further into arrears. You may find
  8. i was a party planner and my earnings didnt really cover much slowly i slided down to the point where i wasnt making a penny for my time i packed up my whole kit (just over £250 worth) and sent it back via their choice of returns. They are now trying to claim i still owe £220.00! even though my kit should have covered it. with various tennis emails ive decided i will just repay what i supposedly owe and what not. i sent them an email yesterday saying i was willing to set up a payment plan of £5 a week, (£20 a month) and would like any interest or charges frozen
  9. so had a reply to my email basically stating they will not accept £5 a week and charges and interest wont be frozen :C they will only set up a payment plan over the period of 6months then the final balance would be taken from my account. is this even allowed?!?
  10. Hello. I have currently defaulted on payments with payday express. i have them constantly ringing me texting me sending letters the lot. theyve really gone all out on me. I did originally set up a payment plan with them but they wanted me to ring them back within seven days with my bank details to set up the direct debit. i told them i was on my last bit of credit on my phone and they would have to ring me back when their systems were up and running. i heard nothing after that however still kept getting daily phone calls from them asking for the full balance and even hav
  11. bit lost ive come to start dealing with my massive debt problems but dont know where to get started any tips would be helpful thanks
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