Hi, got into a pickle with a few PD loan companies,
Thought i would share how helpful TXTLOAN are over live chat when setting up a replayment plan.
Hi, a customer representative will be with you shortly. Please specify the nature of your query.
ME: HI, my partner is/was in her first year as a student nurse, she has completed all the exams and passed all but one. She has redone the exam three times and failed which has now resulted in her being kicked off the course.
ME: This obviously is a big problem as the NHS paid her a Bursary every month which has bean ceased
ME: I wondering if i can make an arrangement to come to some sort of payment plan with your company, i dont want to default on payments but i cannot possibly make the payment which is due by the 09/07/2012. I understand that this was not in the agreement but I do not have the funds to make payment when this amount becomes due
TXTLOAN: Hello. Sorry to hear about it.
ME: i know, life has more downs than ups lately
ME: but anyway
TXTLOAN: Yes, we can of course set up a repayment plan suitable for you.
ME: thanks for your help, what time period can you offer me please
TXTLOAN: You are welcome. Dates and amount of repayment is up to you.
ME: ok, what will be the total debt i have to pay back as i assume there will be charges then i know what i am working with?
TXTLOAN: Since you are reporting financial difficulties we will freeze the interest and you would have to repay standard 351£.
ME: I would like to propose 70.20 @ 5 months = 351.00
TXTLOAN: Possible. But what date should we charge you on?
ME: I get paid on the 20th of evey month
ME: Do you accept bank transfers?
TXTLOAN: Yes, we can accept them. I can as well send you our banking details.
ME: what a help you have been, many many thanks, a big weight off my mind
TXTLOAN: In this case we would need to set up the repayment date to be 23rd to give some time for the transfer to go through and be confirmed.
TXTLOAN: You are welcome.
ME: excellent thanks
TXTLOAN: I will send you the email with all the details you may need.
ME: If i do get any extra monies from anywhere i will send via the bank transfer early,
ME: thanks TXTLOAN and TXTLOAN for understanding
TXTLOAN: Sure, we will check the transfers daily.
TXTLOAN: You are welcome once more. We always care about our clients and are going to resolve any emerging issues together with you.
ME: thansk you , i await your email
TXTLOAN: It will be there in 10-15 minutes. You are going for the bank transfer option then?
ME: Yes please then if iget paid on a Sunday the money will transfer on the Monday
TXTLOAN: I will give you 3 days time frame - it will cover any issues with weekends.
ME: thanks TXTLOAN,
TXTLOAN: You are welcome once more. Sending you the email in a second.
TXTLOAN: Done. Please review it and confirm that it is a suitable option for you.
ME: i will check my email
ME: do i need to wait for the email and confirm in this live chat or via the email?
TXTLOAN: Doesn't matter. Choose what is more convenient for you.
ME: ok, i will await the email as it hasn't arrived yet, once again thanks for your help
TXTLOAN: You are welcome once more. Take care!
So the upshot being, they froze charges etc and all I pay back is the amount borred plus the initial interest.