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  1. Well today my new JC adviser had a bad start. Just completing rapid reclaim. During the Claiment Commitment session she tried to force me onto UJM and giving her access using the line "Everybody will have to log their activities on this as we are doing away with the paper sheets" After holding my ground and telling her under no uncertain terms is that correct I demanded she produce the legislation and guidance saying everyone had to use UJM and give access. Then She went to her manager and then came back 5 minutes later saying that they will have to check the guidance and legislation. She said her manager said it was available to vie won the government website. I replied with "I know, Ive read it" I said I would make my own paper sheets to record activities in. Then was the same attempt with the workplan booklet that ended the same way. Just hope I pass this interview thing on Monday, I can see this being a running battle.
  2. In late 2007 when our business failed we were left owing nearly £100,000 – partly on a business loan and business credit card, but a lot of it was in the form of personal (unsecured) loans and credit cards that we had mainly used to support the business. I was advised that bankruptcy was not a good option as I have a large personal debt that would not be eligible to include in a bankruptcy. CCCS were unable to help us even with the personal loans and credit cards as our income was insufficient to cover our living expenses – still had children at home then. I wrote to all our creditors (by this time mainly DCAs with full details of the situation and offering token payments of between £1 and £10 depending on the size of the debt. Some accepted and some didn’t. Those that did accept we set up DDs to pay every month and those that didn’t accept got nothing. As far as I am aware none of them bothered with CCJs. I am now trying to get on top of the situation and have been checking the bank account and going through paperwork. It seems that 2 of the DCAs, after taking their payments every month for 5 years or so, stopped taking anything about a year ago. The DDs are still active in the bank account but no payments have been taken. Only 3 of the original debts are now claiming these token payments. Another 3 are I think probably statute barred by now (one of these has just started sending chasing letters again). Where do we go from here?
  3. Did a CCA request for true copy of original signed agreement approx 10 days ago, got a letter back today.. Gist of the letter.... We have previously supplied you with, or please find enclosed a true copy of the credit agreement. We are satisfied that this meets with our obligations under Section 78 of the Consumer Credit Act By way of explanation, under Section 78 of the Consumer Credit Act, Next must supply any customer with a True Copy of their credit agreement upon request. For the purposes of Section 78a, a true copy need not be an exact copy or photocopy, as long as it containss every material provision of the agreement signed. This means that it does not need to have non-statutory information which was included for the creditors own benefit or signature boxes. Therefore Next are not required to provide you witha a signed copy of the agreement and this is made clear in Section 3(2) of the Consumer Credit (Cancellation notices and Copies of Documents) Regulations. We are required to to provide you with a true copy, and a true copy is enclosed. In light of this, and in the absence of any evidence to suggest that you did not order and/or receive the goods delivered, Next will continue to seek paymeny of the balance of £843.99 owed by you. It is noted that you have neither denied ordering or receiving Next goods. A default entry will now therefore be made on the credit reference file, which may affect the ability to obtain credit in the future. Making payments to clear the balance will enable the credit files to show this as satisfied. Yours Sincerely [EDIT] Enclosed was a VERY poorly photocopied printout - which was hole punched suggesting they have a ring binder full of them ready to send... Of "How your directory account works" Now this is obviously a generic printout, not bearing my sig or account details.. (will scan up tomorow) So are they correct, ot talking utter bull as usual? Mike
  4. Dear Consumer Action Group, Last March I cancelled my £47 per month direct debit with LA fitness. I signed up last May (2013), when I recall that I was told I'd have to pay until October 2013. Before I cancelled my direct debit, I called their phone number and the man told me that my contract lasts until October 2014, something I never knowingly agreed to. In 5 days they'll apply the "late repayment charge" of £40, and I assume in 19 days the debt collectors will be engaged. Tomorrow morning I'll go in to the branch to request a copy of the terms and conditions that I signed with them 10 months ago and a guarantee on paper that my contract with them ends in October. However I have read on the internet that LA Fitness does not respect such agreements, and extend contracts without customer permission, something I feel has already happened to me. My father says it's okay for me to keep paying until October when the contract allegedly ends, he'll help me out in paying it, but I don't want to lose £300 or more if I'm not using the gym. What can I do? Is standing my ground an option? Should I let them send in the debt collection agency? Many thanks, Adam
  5. I received a letter from Major law solicitors a few days ago demanding for £2800. They say that they act for Nationwide & that they have been referred to a letter sent to me by ARC demanding for the money. They are threatening to issue county court proceedings unless i pay up . I've checked my credit report can't see this debt (although i think i have seen it on my report in previous yrs) but pretty sure that next month will be the 6th yr since i last made a payment on what was a nationwide credit card. I'd be grateful for some assistance as to how i respond to the letter. Thanks
  6. To cut a long story short, I have three interim charges on my property. I have recently been in contact with two of the companies involved and have negotiated a settlement figure. The third I haven't managed to contact and my post has been returned. I have found an email address online and that hasn't been answered either. A company I contacted in error by phone, with a similar name, have said that the company doesn't exist. As they have a charge on the property, how can I get it removed. I'm currently in the process of selling my property so would like to clear this up ASAP. I thank you in advance for any help on this matter. Regards
  7. This bloke was rubbish as a Prime Minister, and now he is telling the rest of us what to do. He has hit out at David Cameron and accused him of being ‘unstatesmanlike’ in attempting to stop Scottish MPs voting at Westminster, on only English issues, but he is happy with the extra powers Scotland will receive to make their own laws without hindrance from the Parliament at Westminster. (English MPs will not be able to vote on laws in Scotland that do not affect the rest of the UK). The former Prime Minister said the move could drive a ‘wedge’ between England and Scotland. (I thought Salmonde and the referendum had already done that?) He says the Tory plan for ‘English votes for English laws’ would turn the Scots into second-class citizens because their Westminster MPs would be downgraded. (you could say the same about Scottish MPs voting on Scottish only laws as downgrading the rest of the UK MPs, what is good for one is good for another). The three Westminster leaders promised to devolve more power to the Scottish parliament. This anomaly whereby Scottish MPs can vote on English matters but English MPs have little or no say north of the border is wrong. Brown criticised this approach. He said I fear for the health and unity of our country, (make of that what you will, it just makes me laugh words are cheap). He said Mr Cameron made an unstatesmanlike error when, he tried to rewrite his vow with a proposal for restricting the rights of Scottish MPs to vote at Westminster’. (He wants his cake and eat it). He adds: the morning after the referendum, allegations of foul play, broken promises and bad faith began, with a wedge being driven between Scotland and England. (I am still of the opinion that it would have been better for us all if they had got their independence, this cr*p is going to carry on until they do). Link
  8. I have just sold a mobile phone on ebay. I described the phone exactly and honestley as possible. The phone sold and the guy paid instantly. Three days later I received a message thanking me for sending it so promptly but saying it wasnt as described. Corners were broken and there were big scratches on the screen. The phone I sent was mint but naievley I posted a libary picture of phone. I messaged back offering a full refund if imei number matched. He replied asking for imei number for his inbox??? Too cut a long story short a case has been opened and he has just sent the phone back. The number is obviously different but the only proof I have is my service upgrade agreement, which has phone/imei number. Help needed as dont want to end up out of pocket with this guys crap phone Thanks
  9. I purchased an Orange 1 month rolling contract chip which was £25 per month and included unlimited calls, texts and internet which I thought was ideal as my son likes talking too much. Anyway he decides to call a premium rate number to some chat line thinking it is free and guess what the bill was raised to £100 in call charges without me being informed or a call to say the account has been suspended because of this, I could not even talk to anyone as there was only a mobile customer services which I refused to use. Eventually I contacted them and told them to cancel the contract gave one months notice and did not use the phone until it was suspended. I then get a £200 bill not stating any breakdown of how this has occurred and saying your account has now been suspended. I was shocked obviously I would have to pay for what has been used but not 200 any advice on this would be very much appreciated. Mashmallow:mad2:
  10. I have received a letter from Lowell, copy attached. [ATTACH=CONFIG]45194[/ATTACH] They are asking for payment on an old account, but there is an absence of any threat or warning about legal action if I don’t pay them. Can I take it that they have no backup, contract or proof of the debt, and are just prevailing on my good nature to send them money?
  11. Hi all, This morning I received a letter from EOS Solutions UK PLC quoting a previous address trying to track me down. The letter requires me to phone them to discuss a personal matter. A google of the company has highlighted several people with issues with this company trying to extort money from them. Ive read they are a debt collection company so I signed up for Experian and checked whether I owe anything but my credit score is 999 with nothing owed. Should I ring them as asked or just ignore the letter and wait? Could they be phishing for details? Thanks for any advice.
  12. Been trying to sort out my credit file. I have a £1600 overdraft from Natwest from my student days which I'm now paying off £100 a month payment plan, and it's automatically reduced by £100 each month. I have 2 defaults, one is from HSBC Litigations from January 2009 so it's due to drop off January 2015. Default balance is £439 and marked as SATISFIED. I rung them and asked about it and they said it should be marked as paid off, not sure if thats what the satisfied means. It's a massive red mark anyway. Another is with provident loans, for £350 from October 2014. I don't ever remember getting a letter from them about a default whatsoever! The balance is £320 though as I stupidly agreed a £10 a week payment plan as the woman on the phone said if I did then they would remove the default. I received a letter 1 week ago informing me "We told you the default would be removed but it won't be, it will remain on your account for 6 years" which is completely unfair, downright lie. Any advice at how I get can these removed? I can't improve my credit file as I can't get any credit accounts due to the defaults! Thanks for your help
  13. I had aquired last November a SIMO deal for £8 which was being advertised as £0 per month for 12 months. I still have all the documentation stating this. However, this month (also being the first month I won't be paying for my other contract as it's been settled), my balance online is showing as £12.18 and that the SIMO contract was renewed on the 26/05/2014 which co-incidentally was the day I also used the PAC code to get my other phone number with them ported over to Vodafone. Absolutely shocked that if I hadn't checked that they would have charged me £12.18. Shame it's as late or I'd be on to their Customer service right now
  14. to cut a long story short I finished cancer treatment in 2012 got into a awful amount of debt my dad had cancer treatment at the same time but he died, my marriage fell apart I am on ridiculous amounts of medication including 2 types of anti depressents, i live in a housing association home which I moved to from a larger housing association house to be nearer shops as I had to sell my car as I had rent arrears I have no assets everything is in my husbands name, i look after my 3 year old granddaughter so my daughter can go to work, the debts are around £15000 which are mostly credit cards and catalogues, i have managed to now keep up with the rent and council tax but have piles of letters and court orders from capquest and others I am trying to save to go bankrupt but as this is now £750 it is going to take a while I need help with how to tell creditors I cannot pay and tell them I need to go bankrupt I have asked them all to start bankruptcy proceedings against me but they wont, now a capquest court order from Northampton has come again today and I just feel like ending it all if it wasn't for my granddaughter I think I would please help
  15. Although, I can't find the original post on here, you people have helped me previously with a problem I had with Robbers Way. They've now written to me and it looks like I've got to start from the beginning again. Despite claiming originally that they were acting on behalf of a client, they wrote to me that they had purchased the credit card debt owed to Capital One. They were asked to provide a copy of the agreement via a library template, which took them over two years to provide. I, in turn sent them an account in dispute letter from the library. I eventually received a mass of damp documents which were incomplete and did not contain all the documents necessary to prove their right to collect. In subsequent months, they wrote to me to say a doorstep collector would call and indeed, he did. I sent him off with a flea in his ear. Two months later, I had a letter stating I had set up a monthly payment agreement via this man and they told me I was late with the payment! I did not contact RW and the parasites seemed to back off. I've now received a letter from Dryden Fairfax stating that I need to contact Robbers Way within 10 days or else! There's no acknowledgement of any previous correspondence with me so it looks like Robbers Way wants to start from the beginning again via their pet in-house solicitors! I'm inclined to play them at their same game by once again asking for the a copy of the original credit agreement. Could you give me any further advice please? Thank you.
  16. Hello, I'm hoping someone can help me please. I had a Next Directory account which I stopped paying in 2010 I believe. To make the long story short, I stopped paying my debts because I simply couldn't afford to after hubby's redundancy, not because I was avoiding them. The amount owed was £736. This was sold on to Capquest in 2011 I believe. In February this year, they sent me a letter telling me they intended taking me to court. I responded with a SAR request, to see what data they held. I posted this on the 1st of February (I have proof of postage but couldn't track it on Royal Mail website due to the length of time that has passed I think). They didn't respond at all but on Friday the 21st of March, I received a Claim Form from Northampton court. The particulars of the Claims are : "Part only of monies due under regulated Credit Agreement number ... Between Next Directory and the Defendant the benefit of which was assigned to the Claimant on 14-Mar-11 The Agreement terminated upon the Defendant(s) failure to comply with the terms of the Agreement." The total amount being claimed is £499.99, court fee is £30 and Solicitor's cost £50 totalling claim amount of £579.99 I am not sure what I should do. Are they allowed to ignore my SAR? But do I have a leg to stand on with just proof of posting? Can someone help me please?
  17. It's time again for the annual 'Stella Awards'! For those unfamiliar with these awards, they are named after 81-year-old Stella Liebeck who spilled hot coffee on herself and successfully sued the McDonald's in New Mexico , where she purchased coffee. You remember, she took the lid off the coffee and put it between her knees while she was driving. Who would ever think one could get burned doing that, right? That' s right; these are awards for the most outlandish lawsuits and verdicts in the U.S. You know, the kinds of cases that make you scratch your head. So keep your head scratcher handy. Here are the Stellas for the past year: * SEVENTH PLACE * Kathleen Robertson of Austin, Texas was awarded $80,000 by a jury of her peers after breaking her ankle tripping over a toddler who was running inside a furniture store. The store owners were understandably surprised by the verdict, considering the running toddler was her own son. Start scratching! * SIXTH PLACE * Carl Truman, 19, of Los Angeles, California won $74,000 plus medical expenses when his neighbor ran over his hand with aHonda Accord. Truman apparently didn't notice there was someone at the wheel of the car when he was trying to steal his neighbor's hubcaps. Scratch some more... * FIFTH PLACE * Terrence Dickson, of Bristol, Pennsylvania was leaving a house he had just burglarized by way of the garage. Unfortunately for Dickson, the automatic garage door opener malfunctioned and he could not get the garage door to open. Worse, he couldn't re-enter the house because the door connecting the garage to the house locked when Dickson pulled it shut. Forced to sit for eight, count 'em, EIGHT days and survive on a case of Pepsi and a large bag of dry dog food, he sued the homeowner's insurance company claiming undue mental Anguish. Amazingly, the jury said the insurance company must pay Dickson $500,000 for his anguish. We should all have this kind of anguish. Keep scratching. There are more.... Double hand scratching after this one.. * FOURTH PLACE * Jerry Williams, of Little Rock, Arkansas, garnered 4th Place in the Stella's when he was awarded $14,500 plus medical expenses after being bitten on the butt by his next door neighbor's beagle - even though the beagle was on a chain in its owner's fenced yard. Williams did not get as much as he asked for because the jury believed the beagle might have been provoked at the time of the butt bite because Williams had climbed over the fence into the yard and repeatedly shot the dog with a pellet gun. Pick a new spot to scratch, you're getting a bald spot.. * THIRD PLACE * Amber Carson of Lancaster, Pennsylvania because a jury ordered a Philadelphia restaurant to pay her $113,500 after she slipped on a spilled soft drink and broke her tailbone. The reason the soft drink was on the floor: Ms. Carson had thrown it at her boyfriend 30 seconds earlier during an argument. Whatever happened to people being responsible for their own actions? Only two more so ease up on the scratching.... * SECOND PLACE * Kara Walton, of Claymont, Delaware sued the owner of a night club in a nearby city because she fell from the bathroom window to the floor, knocking out her two front teeth. Even though Ms. Walton was trying to sneak through the ladies room window to avoid paying the $3.50 cover charge, the jury said the night club had to pay her $12,000.....oh, yeah, plus dental expenses. Go figure. Ok. Here we go!! * FIRST PLACE * This year's runaway First Place Stella Award winner was: Mrs. Merv Grazinski, of Oklahoma City, Oklahoma, who purchased a new 32-foot Winnebago motor home. On her first trip home, from an OU football game, having driven on to the freeway, she set the cruise control at 70 mph and calmly left the driver's seat to go to the back of the Winnebago to make herself a sandwich. Not surprisingly, the motor home left the freeway, crashed and overturned. Also not surprisingly, Mrs. Grazinski sued Winnebago for not putting in the owner's manual that she couldn't actually leave the driver's seat while the cruise control was set. The Oklahoma jury awarded her, are you sitting down? $1,750,000 PLUS a new motor home. Winnebago actually changed their manuals as a result of this suit, just in case Mrs. Grazinski has any relatives who might also buy a motor home. Are we, as a society, getting more stupid....
  18. I am trying to get a default removed from my credit file in relation to a Abbey/Santander loan. In December 2006 i applied for a £10k loan over 5 years in the bank with Abbey but never got a confirmed answer so a week later i applied with Tesco and was accepted. Just after i got the money from Tesco, Abbey approved the loan and paid the money into my Cahoot account. I contacted Abbey within the cooling off period to arrange paying the loan back and they told me to send a cheque to clear the loan. Due to the amount of the loan i was advised to send 2 cheques to stop any problems with a large amount. I phoned Abbey towards the end of January 2009 after i had sent them the cheques to confirm receipt as i wanted to ensure everything was sorted before i was due to go to Afghanistan, and i was told they had received them and the account was now closed. I was contacted by my wife a month later informing me i had received a letter from Abbey saying the cheque had been returned unpaid from Cahoot. I contacted Cahoot to find out why the cheques had been returned but they could not find any records of the cheques being presented let alone being returned. I wrote to Abbey explaining what Cahoot had said. I asked them to return the so called returned cheques and also asking for another option to pay the full amount as the suggestions of how to pay in the letter they sent were not an option as i did not have a bank or savings account with Abbey and obviously using a cheque did not work the 1st time. I also advised that i would not make any payment until the cheques were returned to myself to ensure that the so called returned cheques were not re-presented for payment. To this day i have never received a letter in response to my letter and requests. In October 2009 i moved house. The first thing i had any correspondence to do with this loan was in July 2011 when i received a letter from Moorcroft attempting to recover the full £10k plus the interest of what i was meant to pay for having the loan over 5 years. The total was just over £14k. As they didn't care about the fact that i had tried to pay the loan off at the beginning the only option i had was to pay them the full amount, so i entered into a payment plan to start paying it off. In December 2013 i made a full and final payment of the outstanding balance and the loan is now paid off. On examining my credit report i see that a a 6 month late maker was raised in June & July 2011 and a default was raised against in the loan in August 2011, yet for every month from the start of the loan in January 2009 up to June 2011 all the makers show payments are up to date even though i had never made one payment. I am now in the process of trying to get the default removed from my file and i am hoping i can get some advice and assistance in this matter. I have sent off a letter to Santander complaints using the example shown on http://www.learnmoney.co.uk/credit-file/remove_default_notice.html and got a reply saying they have requested a copy of the signed loan agreement along with a statement of the account and these will arrive shortly under separate cover. In relation to the default notice they can see that the notice was issued on the 15th June 2011 and 16th June 2011 and the default was registered on the 14th July 2011. Unfortunately they are unable to provide a certified copy of the default notice as is not something that is held on file. After investigation they confirm the default is valid and correct and therefore unable to uphold my complaint. Is it worth me still trying to pursue getting the default removed and if yes any ideas on what to write in a response? Any help appreciated.
  19. Hi, I use to have a royalmail account for posting items as I had a shop on ebay, i would send 500 items a month but 30 of them items would go missing and I would have to send replacement items out again. I have disputed the bill with royalmail but all they keep on saying is i need to pay the bill before they can issuse any refunds. I have refused to pay my bill of £2100 I sent all my items recorded the ones that have gone missing are still showing as in transit, I have proof of posting of the none deliverd items. the cost of all the items I have lost the double costs of postage add up to more than what royalmail are asking me to pay where do I stand if they attempt to take me to a civil court. Thanks
  20. Hi there I'm new to the forum so go easy! I'm now in my 2nd year of my IVA almost into my 3rd in a few months time. Now I recently decided to join Experian just out of curiosity and obviously it does say that my credit is very poor which I accept as normal for some one in an IVA, the weird thing is that the total remaining debt on my "credit" account is total to the following: £550 to Santander (Overdraft) £68 to Wonga (Payday loan) £470 Capital One (Credit Card) £1772 to Creation Consumer Finance (Loan) Now a few years ago before I started my IVA I was in a bad place with my money and ended up looking for help, I spoke with Debt Free Direct who after a consultation over the phone convinced me that the best option for me was to go on an IVA, at the time I didn't mind as my mind was more concerned with just getting my money straight, but after looking at my credit report and seeing how much I have "left" compared to how much my yearly over view report of my IVA states got me confused, in total I only have £2860 left but according to DFD I have over £8000 left. Now after doing some research on this site I have discovered that a lot of IP's charge extortionate amounts for their "services" so my main question is as the title says basically, how do I save my self around £5k, get out of my IVA, and start to see a positive change on my credit report, and advice would be greatly appreciated, and i'm willing to give extra information if required too if I haven't covered everything.
  21. Hello - first post but need some advice. I have two old credit card debts with Barclaycard that they have sold on to a DCA. CCA request sent to DCA has come back from Barclaycard via the DCA stating that debts are not enforceable as they cannot provide the information requested. DCA has now issued default notices for both and I have responded to state that a new default cannot be issued for a debt where Barclaycard have already issued defaults (and they have now dropped off after 6 years). I have also stated that they have confirmed the debts are not enforceable and that I have not got any agreement with them. Finally, have checked credit report and Barclaycard have flagged debts as settled. What action can the DCA still take ?
  22. We took a loan out with RBS in 2008 and the rate was at 1.5% above base rate. I think the LIBOR rate was about 4.5- 5% then. Since the base rate has fallen to .5%. We had a poor start to 2013 trading wise. RBS state that they were not happy with the current account and sent one of their special relationship managers around who tried to bully us into selling. Since then our trading has improved, business is good, current account is good. We have decided not to renew the overdraft which we felt that they would pull out from under us during the winter months when trading is slow. RBS is now looking at the loan agreement and would appear to be trying to see if they can make us default. We have never missed a payment. They are looking at our business plan from 2008. We think that RBS is not happy that we are only paying at 1.5% above base and want to get rid of us. They did offer to do a new loan, but at current rates and costs. Has anyone else had this problem. Should we go to the Financial Ombudsman?
  23. Hope someone can help, i have searched previous forums regarding Direct Auto Finance. Lots of really useful information, but just after a little bit of advice. I have received defendant’s defence from Irwin Mitchell, stating what iguess is normal response, that i cannot prove what the agent said and boxeswere ticked re PPi, gap and breakdown cover etc. I explained i was told i couldn't have the car without the insurances. The insurances with Interest were more than the cars value!!!! I have not received anything from the court yet but i have been informed thedefence is in the post, i was hoping some advice on what the next step is. many thanks in advance.
  24. ......Today is the 14th day of taking out motor car insurance, unfortunately my circumstances have changed and i no longer need the car insurance on this particular vehicle. Today is the 14th day but the problem is the company are closed for business today and no way to cancel for the reduced fee. Tomorrow when they open will be 15th day which adds a larger fee and extra fee for using it for 15 days. Are they allowed to close or at least not allow cancellations on a sunday? effectively in my case it leaves me with 13 days to cancel and not 14 as per their policy. Advice would be appreciated. Thank you
  25. Hi, Like others on here, i got into a situation with Wonga where i was in a never ending borrowing cycle, having to borrow more and more each month as i would pay back the loan then have to borrow more to live on. My initial loan was £100, i kept borrowing and its upto £466 now, i thought i need to get out of this cycle. Reading this forum encouraged me to do something about it. My due date was the 26th, i called my bank Halifax on the 25th and they put a block on Wonga taking money from my bank account. Then on the 26th before 5pm i wrote to wonga the below: Dear Wonga, Further to my previous email dated 26/10/12 Loan Agreement Ref : xxxxxxxxxxxx I am not in a position to make a lump sum payment to pay off my wonga debt. This is not a decision that i have taken lightly and realise my obligation to pay back this sum of money. However it would be reckless of me to continue in a cycle of paying back a loan then having to take another loan out to cover the cost of paying the loan back. The interest makes it impossible for me to borrow lower amounts each month and pay it back that way, instead i would have to borrow more and more each month just to cover my living expenses. If allowed to continue i would eventually reach a stage where i simply had borrowed more then i earn and the debt would of spiraled out of control. I am currently in a debt management plan with Payplan, however rather than handing the wonga debt to them i would prefer to come to an arrangement with you to pay it back alot quicker than i would be able to if i handed it to Payplan. Therefore i kindly request that a replayment plan be set up so i can repay this debt to Wonga. Im willing to pay back the original loan plus one months interest and the late fee. The total of my debt would be £466.44 + £20 late fee. I prepose the following repayment schedule Nov 1st £10 Dec 1st £50 Jan 1st £50 Feb 1st £50 March 1st £100 April 1st £100 May 1st £100 June 1st £26.44 Please freeze the interest on this loan so the payments i make to you go towards paying off what i owe. Of course should my circumstances change and im able to pay larger amounts or pay the loan off early, i will do so. Please send me your bank details so i can begin to make payments to you. Payment will be made by standing order from my bank as the bank have taken my debit card. Please note i will commuicate about this debt in writing only. I guess im looking for reasurrance that im going about things the right way and to perhaps get a little help along the way also. How long do wonga take to reply normally? i sent the email to customercare@wonga.com. Should i go ahead and start the payments if i dont hear from them? are the wonga bank account details correct in the sticky? I also shifted my money to my savings account at Halifax (was devoid of money btw) is that protecting it?
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