my worry is if I go beyond my repayment date and do not pay them then default charges, penalty etc to be added or may be not . i dnt know. other thing , regardless we owe them or not now may be we should really not pay them at this stage since they are not taking the money now under poundaccess name ???

Despite I paid the fee on 22 march 13 and extended my loan with poundsaccess for 1 mnth till 30 apr 13 I received at least four emails on 30 mar 13 (original repayment date) advising I have been defaulted and that more penalties incurred etc . The fee taken under 3rd party co. Sensible Home Finance . - see my thread above -Despite my emails, tx , numerous phone calls to them last w/end finally the woman at Poundsaccess phoned me on monday 2/4 advised me that Poundsaccess would soon be back to normal and that is not in lliquidation. I specifically asked she said no. I mentioned how unfair it was after having paid the roll-over fee still to receive harrasment emails from them etc . She asked me to disregard and ignore them all. She once again confirmed me my repayment date of 30/4/13 , then a day after sent me an email to confirm this as I requested.. She said she could reduce the loan amount if i pay it earlier.I asked when I repay it if it would be poundsaccess or Sensible home Finance b the one that will appear in my bank statement she said she didnt know yet it might be either she said. I really dont know what to do under this circumstances, since last w/end and spoke to her those harassment emails stopped but I do not know legally if I should repay them or not on my loan due date if they take the money under different entity other than poundaccess? any advice would be appreciated. many thanks

hi jlc001, i hve exactly the same problem , see my thread under'help with poundaccess' here in this forum . Poundaccess now is sending every single day 2 harassment emails advising penalties incurred in the account whereas I already extended my loan till 30 apr 13 and paid the fee. They are not contactable and are not answering any messages. Its a big concern for me too and I do not know where I stand legally. Because they took the roll ever fee under 3rd party company 'Sensible Home Finance' It stressed me out so much and I am thinking to complain . Anyone knows where to complain , is it Financial Ombudsman Service ?? Please let us each other updated with any outcome we receive next days . thanks

Hi, Thank you all for replies. I will NOT pay any money to them on 30 apr 13 and will keep it until they phone and explain me what is going on... As already said above the loan is with Poundaccess but the extention fee I paid on 22 mar 13 to extend the loan till 30 Apr 13 has been taken by 'Sensible Home Finance '.When I asked why the Poundaccess representative said their system was down so they had to take the payment with this company , a third party company they use.She assured me that my loan still remains with Pound Access. In fact she sent me an email confirming this advising the one month extention with the total amount due 30 apr 13 etc . I keep this as proof just in case . If that was true then what I dont understand is why did they try to take the full payment again on 30 mar 13 and then again next day and charged me penalty since I already extended it till 30 apr and paid the fee ?? I will keep you posted if I have more news next days. thanks

hi, I have a similar problem . My loan was due 30 March 13, A woman at Pound access phoned and offered an extention for 1 mnth which I accepted. Extention fee was taken from my acc on 21 mar 13 but under different company name as Sensible Home Finance rather than Pound Access. I asked why she said their system was down and that this is their 3rd party company. She sent me an email to confirm this so at least I have something in written. Also she said in case I pay off earlier than 30 Apr she could make a discount on the loan amount . A week after so far I received 4 harassment emails advising I have been defaulted and that a charge of £ 20 being added to my acc for loan due 30 march 13 which was defaulted. This is unfair and incorrect and is not what we agreed. I never missed payment nor did I make any late payments, They took the fee for extention on 22 mar till 30 apr 13 and now they also tried to take the full amount with charges on 30mar 13. I dont know whats going on here but am planning NOT to make any payments to them on 30 apr 13 until I get something in written from them confirming I wont owe them anything if I do the payment on 30apr 13 etc. In the meantime I phoned them so many times and left messages. Their lines are ringing out or not in use or going to voicemail. Please help me to advise what to do in this situation, do i have to pay them back on 30 Apr or not or what ? Do you know what my legal rights are ? many thanks