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Hi all, toay I had a refund offer from My Jar/Txt Loans for £108 ...i took 2 loans out in 2009 one was repaid on time and then i took another out immediately although I defaulted on this one and late fees etc were added and a few months later I repaid it. Today after I raised a complaint re irrisponsible lending they offered a refund of £108. Safeloans have agreed to remove the ccj from my CRA. TrustedQuid have agreed to work with me to repay the last loan of £150 and remove all references from my CRA files when they receive the first payment FOS has upheld my complaint against Mr Lender, have to wait till 30/12/15 to see if they want to esculate - but should mean a refund of all fees and removal of references to loans from my CRA files Payday Express has said they couldnt look into my complaint in the 8 weeks they were given so now with FOS. FancyaPayday now with FOS after they rejected my complaint, specifically when they took £1300 from my bank for a defaulted loan Nova Loans - still waiting for a response re insufficient incoming and ougoings
Hi I have a loan with My Jar, I took this out in 2011, got myself in a mess and then agreed a repayment plan with them which have continued to pay on time as agreed. I recently viewed my credit report and noticed My Jar have placed a default on this, now I accept I defaulted in 2011 and have since been repaying, my issue with this is they have only placed the default on my report recently and it is dated this year so will be on my report until 2021!!! Can I complain and ask them to show the date of default which was in 2011? Also can they even do this without sending a further default notice (I consider 4 years from the notice to default being put on the file unreasonable)? I requested in July for them to send a copy of my original credit agreement and statement of account which they have failed to do. Any advice would be greatly appreciated as I do not want this default lingering on my report when everything else will come off in 2017. Thank you
Hi all, I had a loan for £300 last November - had trouble paying it back and contacted My Jar straight away. T hey set me a repayment plan up for £360 including interest and I had to pay it back £30 each month. I paid every month ontime no trouble at all until I went on holiday in June and was late paying. As soon as I came back I paid the £30 so by this time I had paid £240 back of my loan with just 4 payments left. Next thing I receive is an email from a recovery team demanding £342.50 from me as I was late on making my June payment. Yes somehow they feel I owe them £342.50 when I have already paid £240 to them! When I contacted My Jar this was their response: ' Regrettably, following the missed payment on 27/06 and not contacting us in time, your loan was reverted back to the original full charges and forwarded to our Debt Collection Agent, Secure Recoveries Ltd with additional charge of £74.50 for their services. While we had a special arrangement between you and MYJAR on paying £30/month we agreed to reduce the total amount to the original repayment sum of £360.00, but failing to maintain the repayment plan reinstated all the applicable late fees and charges. Please contact Secure Recoveries Ltd to arrange a repayment.' Do I have a leg to stand on here? It just seems so unfair that I have nearly paid them back and now theyre demanding another £340 again! I do admit I was late making the payment but as soon as I realised I paid it straight away.. I only borrowed £300 to start with. Thanks in advance for any advice, Tink
HI I have been dealing with MYJar over a text loan from a fair while back. it was paid monthly via stepchange for a while and then when i left them i offered to pay monthly. I only borrowed £300. They said i owed them £276 and i was to pay £1 a month for 10 months and then the remainder off. Anyway, i was paying £10.00 a month and in February i sent a payment on the 1st and one on the 28th. They then got in touch 2 weeks ago and said as id missed march payment then the plan was cancelled, the loan followed its original credit cycle and additional charges were added as per the original agreement and the loan was forwarded to Secure Recoveries. I have checked my credit record and there are now 2 entries from MyJAr 1 for the original loan being showed as paying back and the other is for £1543. I called them up and they said it is Secure recoveries. What can i do I sent them my income and expenditure months ago and a covering letter as i couldn't afford to much payments. Shall i keep ignoring Thanks