Right I think it's time to lodge a complaint now

They have seriously calmed down on the phone calls, although today quick quicd did send a letter through the box and in the window so it was highly visible wrote "1st notice, open immediately, do not ignore". Not very nice as I don't live alone and don't want others knowing about it particularly. Anything I can do about this or is this legit?

Well the only one that replied were qq and it doesn't,t really help, and I,m not sure how to pay he £5 Seems like they are notvaccepting to me *Thank you for contacting Quick Quid. We will gladly accept any payments that will be made to your account; however, collection procedures will continue if acceptable payment arrangements are not made. If payment arrangements are not made, your account could become subject to third-party activity in the future.

Yes I sent the letter in the email. Hopefully they adhere soon

Thanks. Doesn't stop the calls though.Hope maybe it will some time soon!

Ok I sent them the below email. Would appreciate if someone could let me know if they think this is ok. To note I sent this yesterday 7pm and today still received 6 phone calls and 2 texts from PDE Dear sir/madam.I can only re-iterate my previous mail sent to you on 6th august regarding the loan.Due to a change in financial circumstances, me losing my job. I am unable to pay back the loan amount. I do not have any assets and re dive £70/week in benefits that do not even cover essential expenses.However, I am doing my very best to seek new employment, of which time I will be able to set up a repayment plan with you. Until that time I can only make token payments of £5/ month. I would like to stress again that this is the absolute maximum I can pay until my situation changes.I have paid back in full previously when I have been in full employment.I will get a letter from the job centre confirming my employment status at my next appointment. next Thursday.Please in the meantime freeze all interest and charges.I have previously requested all correspondence to be made via email as is my right under oft collection guidance. So far you have ignored this so I have to attach the below.Harassment by telephone - response letter Dear SirsI am writing in relation to the quantity and frequency of telephone callsthat I have received from your company, which I deem to be personally harassing.I have verbally and written to you requested that these stop, but I am still receiving calls. I now require all further correspondence from your company to be made by email onlyI am of the view that your continued harassment of me by telephone puts you in breach of Section 40 of the Administration of Justice Act 1970, and the Protection from Harassment Act 1997.If you continue to harass me by telephone, you will also be in breach of the Communications Act (2003) s.127 and I will report you to OFCOM, Trading Standards and The Office of Fair Trading, meaning that you will be liable to a substantial fine.Be advised that any further telephone calls from your company will be recorded. Yours faithfully,

Thanks ren

If they only try or only if they do?

They are attempting to d it. But I don,t have an money in that account to pay for the extension interest. Hopefully my bank isn't charging me for all these failed attempts

Hmmm just got an email from pde saying that they are adding charges and will continue to try and extend the loan unless I phone them. Jesus

Thanks. It's mainly paydayexpress who are doing this. Now calling me every two hours. The whole thing is making me feel very I'll now. I do know it's my own fault, but why call me every couple of hours when I have written to them already. Hopefully this will stop them calling but I doubt it

Thanks

Thanks. Do you know where the harrassment letter is located? Can't seem to find it. Phone calls are increasing now to every hour.

Thanks. I'm not due to see him for another 10 days though

Thanks mate. Pay day uk have stopped calling and are waiting for confirmation of documentation for unemployment.QQ and Paydayexpress are calling me 6 times a day and sending texts throughout the day. Has anyone a link to the harrassment letter?They too are asking for evidence of unemployment before they enter into a plan. I've just been accepted for JSA, should I just send them a scanned copy of this to keep them off my back?

Update payday uk, stopped emailing me, have not agreed a plan, phone me 1 a day. Quick quid ignored my mails, sent me overdue notice followed by default notice and. 12 pound charge. Paydayexpress sent one email saying they are applying charges and interest then they replied to my email later and said they need evidence of redundancy. What is the best move now?

Thanks. What I'm saying is that I don't have money to pay priority bills either u til I get a job and am relying on goodwill to pay these back when I get a job.

Hmmm I don't know how that will work because I have been so stupid I can't afford my normal expenses and will have to rel on creditors to hold debts and landlord too. My incomings withou work at th moment is zero, and outgoings very high

Hi, I don't have a dmp and I haven't sent a budget yet as they haven't requested it.Any idea on how to repsond?

Quick reply. note that nothing has been put on hold alreadyWhat shall I write in reply?"Thank you for your email. As we had previously held your account for 30 days we would require either the paperwork from your debt management company or an immediate minimum payment of £25.00 to hold your account for a further 30 days. You can request your debt management company to fax your paperwork to us direct on the fax number below. Alternatively please contact the office on 0800 280 2666 to make an immediate payment of £25.00. Until the paperwork has been received or a payment has been made your account is not on hold and payments can be tried at any time. Kind Regards,

Hi,Just to confirm, that the full payment cannot be made at this time due to a change in financial circumstances. I would like to make a token payment of £5/month to be reviewed in 2 months. If you could send the account details so I can make these payments please.I also advise that I have interviews lined up currently and I hope to make more payments sooner.I also advise that you have so far ignored my request to be contacted by e-mail only and have phoned my mobile several times. Could you please adhere to the OFT guidelines in this respect.Kind regards

Thanks. I,ll write a draft and post it here before sending. Really appreciate the help

Ok, and what should I say in response to p45 request?

Thanks. The debt is over £400 . I,m still waiting for confirmation of benefits. I also have second Interview next week with a company and three first interviews so I,m hoping to be back in employment by next month where I could then make substantial payments to pay back these debts. In an ideal world what I,m looking for is a period of grace until I,m employed and receive first pay check and then to pay back the debt within 6 months thereafter. I,m not sure how to achieve this in a letter though and I cannot see them just accepting this without evidence. Can anyone help with a letter for this please?

So pdl companies can just take your word that you have been unemployed? Are they likely to do this?