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About vselym

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  1. Ta RI I thought it would be prudent to continue paying, it just irks me that the PO is for £44-00, and I'm asking them to acknowledge payment of £50-00 off the debt. Will the FOS see it like I do too ?
  2. Afternoon everyone, a brief update TMS sent their final response just before Christmas but within the deadline. Full of all the usual BS, so having got Christmas and New Year out of the way, I have now completed the FOS complaint form and sent it last week. I paid TMS by Postal Order on the 1st of November and December, they cashed them both on the 31st December. Should I write to them now, to let them know I am escalating it to the FOS, and should I pay them for January ? any/all help always greatly received
  3. Evening all, this month's update, have sent December's payment by Postal Order again, although they still haven't cashed November's payment yet, but they did sign for the recorded letter it arrived in. Still no reply to the Formal Complaint, but they do have until the 18th December to reply.
  4. Thanks RI, it's not that I REALLY need it, I just want it put to bed so to speak. I appreciate I will have proof enough to defend any action, or stop any DCA in its tracks, but I don't want to have to do that. Am thinking a simple recorded delivery letter asking for confirmation of account settled and closed will do. If they fail to agree or reply then I can send a Formal Complaint and escalate it to the FOS. Whilst they haven't been particularly awkward, their affordability checks were woeful and they may have to pay for FOS involvement, more people should complain. Musings welcome
  5. Hi, I'm not an authority by any means, but you will probably need to firstly ascertain whether Portfolio legally own the debt. Maybe a "do not acknowledge" letter to Portfolio, and an SAR to Wonga, for starters
  6. Phone call logs have been kept, strangely they have never sent texts or e-mails. All my letters have been sent recorded and proof of deliveries printed from Royal Mail's website
  7. Bank statements show payments made to the account details enclosed with CC's reply to the SAR Other than the letters listed in post #1, they have never chased in any other way
  8. Evening all, again, still helping my stepdaughter with her pdl problems, this time Cheque Centre(CC). Brief timeline/synopsis follows 21/05/13 - loan taken 18/06/13 - loan repayment due date, failed as no funds 02/07/13 - letter rec'd from CC, stating no payment made, £30 admin fee added 17/07/13 - DN rec'd from CC, possibly non compliant 23/07/13 - Circumstances changed/SAR letter sent to CC 30/08/13 - SAR rec'd from CC and covering letter with their account details on 01/10/13 - letter sent to CC explaining back in work and payment made by online transfer 01/11/13 - second and final payment made to clear account by online transfer CC have never called or e-mailed my stepdaughter I have not paid the £30 admin fee added on 02/07/13 I realise I have no confirmed receipt of either payment (yes I'm a pratt), so I now need to force this issue. Am I still ok to send a formal complaint and include that I want confirmation of the account being cleared ? As ever, any/all thoughts welcome
  9. TBH, I couldn't care less what they think/do ! All I'm doing is leaving a paper trail showing my willingness to sort the problem and repay the debt. The clock is ticking on FOS involvement
  10. Further update, still no phonecalls since Official Complaint reply received, and as I promised I have today sent a PO with the below covering letter The Money Shop Castlebridge Office Village Kirtley Drive Castle Marina NOTTINGHAM NG7 1LD 1st November 2013 Account No: Dear Sir/Madam As I have stated in my previous correspondence with yourselves, I am looking to repay the above loan by way of an affordable payment plan, after my financial situation changed unexpectedly. To date, you have failed to provide me with your account details to enable me to do this, so as I have previously proposed, please find enclosed a postal order made payable to yourselves to the value of £44-00. I expect this to be reflected as a payment of £50-00 towards my account, as I have had to deduct the associated costs of paying this way, leaving a new balance of £447-00 in full and final settlement. Would you please be kind enough to forward a receipt by return of post ? Thank you for your co-operation in this matter, I look forward to hearing from you as soon as possible, Yours faithfully I await their reply, but won't be holding my breath
  11. So TMS replied by post today, acknowledging my Formal Complaint. They were told in my letter of 1st October to communicate in writing only, but continued to call between 5 and 7 times per day, monday to friday, all logged. My Formal Complaint, dated 21st October, again reiterated that all communication should be in writing. They have continued to call each day, until today when I received their reply, strangely no calls today. Their reply was the usual "we acknowledge" rubbish, that they have 8 weeks etc etc.... As expected, no account details for me to pay them, so I will be sending a Postal Order, minus costs, on the 1st November as per my repayment plan laid out in my Formal Complaint. Any/all thoughts appreciated
  12. Excellent news on the wages front, good result with TLS too 24/7 Moneybox not replying is not a problem, now you have worked out what you can pay them just send a couple of e-mails a week telling them what your repayment plan is, don't send the I&E, wait to see what their reply is
  13. When doing your I&E exclude what you think you should pay the pdl companies, and see what your true disposable income is. If it's £10, then they get a pro-rata portion of that £10. There are plenty of planners available, search CAG at the top of the page I appreciate it's not a pleasant position to be in, but as you say you will sort it out
  14. Then I would suggest above all else securing this months wages by opening a new account and getting your wages paid in to it. Yes the bank may have cancelled your cpa, but ever seen a thread mention, cancelled cpa money still gone ? Next actually work out your I&E, how can you offer payment plans if in your own words "even I don't fully know this" ? PDL's are unsecured low priority debts You have notified them you are experiencing financial difficulties and wish to enter a repayment plan, this will not happen overnight, but make sure when you do come to an arrangement you can afford it and it doesn't tip you back into their clutches. Just keep at them
  15. Presumably, the same legislation you threw at them in post #14 ....... ? Please don't take offence but, sites like CAG would not need to exist if all institutions dealt fairly with everyone else. I hope you sort your problem out with the minimum of fuss, but I rather suspect this will be no walk in the park
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