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floricita

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About floricita

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  1. Hello, I am not familiar with the current legislation regarding payday loans so advice on a letter structure would be appreciated. Background: A few years ago now I was a compulsive gambler and borrowed from any lender that would give me the cash . I managed to rack up £50k's of debt and at the time didn't have a secure job. Two years ago after a lot of hard work on myself, help from family and a years worth of councelling, I have not gambled, I've got a permanent job paying a decentish wage , I've paid off nearly all my debts. one of those who I hadn't ye
  2. With the DDs they reckon they cannot block at source they can only reverse. CPAs have been blocked now.
  3. I'll just have to ride with it if they are not in the wrong about this. I have cancelled CPAs and DD so if they do do it I will have to get it reversed like I have done before. But that takes a while whilst in transit and is a pain
  4. My experiences with these types of companies are that they cannot be trusted in anway shape of form. Anything which requires me to input my details I won't do.
  5. I can't change my payment date as that is payday. I guess they would have to change it at their end.
  6. And am I being unreasonable about this? They seemed to think I was.
  7. Hi the follwing is starting to stress me out and cause me huge and uneccesary worry. If someone could help out that would be great. I entered into a repayment plan with wonga 2 months ago now. Method that I pay by bank transfer. I have made good on every payment. HOWEVER, every month I get threatening emails from them saying that I haven't paid them and that from tonight they will attempt to take out £800 out of my account and add back interest. Now when I phone them they are telling me that this is an automated response which has been issued because their systems are only set u
  8. Thanks man. How should I phrase the letter?
  9. A complaint to them or the omburdsmen? And how to continue actually repaying the debt once the money is refunded?
  10. Will do. How do I proceed with WDA? I wanted to make the payment today anyway. But only paying against the total sum I actually owed not with the £300 added! And we also agreed I paid by standing order not just robbing my account. How can I get this sorted? do I just pay them? or do I need written confirmation that this extra £300 isn't going to charged permanently to me?
  11. Thanks man, I might just go inside the bank tomorrow rather than on the phone.
  12. Thanks. Do I call the fraud department? Or should I call the visa card department? (The one I called to block them in the first instance)
  13. Hi, I had arranged a repayment plan with WDA. However, I was paid late and missed the deadline. I contacted them telling them this and that I fully intend to make the next payment as planned and carry on with the plan. They sent me a statement and they had in the meantime added £300 to my account! I replied saying I will now not continue with the plan until the balance is reverted to what we agreed in the payment plan! They didn't reply. And today is payday and they have somehow without my knowledge or agreement have set up a direct debit and taken money out of my account -
  14. Is this the address? FAO Data controller Data Protection Team Dept LRC Barclaycard Northampton NN4 7SG
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