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About Me


Found 6 results

  1. after recently discovering we could claim back from PDL's, I recently approached Payday UK for a statement of my account. It was a general query and they immediately responded and said my complaint had been forwarded to their complaints team and they had 8 weeks to respond. 8 weeks arrived and they said they were still investigating my complaint. Great, hadn't made a complaint yet, was just asking about the default on my credit files and a list of my loans I had taken out with them After about 10 weeks they sent me a statement. I was actually shocked when I looked back at all the
  2. Hi All, I just thought i would let you all know of how i have dealt with Payday UK (MEM) and in fairness got a bit of a good result, I was a fool in 2011 and took our payday loans continuously for almost a year and i defaulted on the last payment of £145. I was unaware of this and had moved house!! I have emailed them directly not admitting the debt and requesting a copy of the CCA and also a full summary of accounts. I also questioned what information and been sent to my old property and been divulged to the new tenants. I have too and frowed emails explaining that they should
  3. Hello Fellow Caggers, So after 3 years of fighting etc, I finally get to the bottom of yet another "Payday Loan Debt" where they haven't done the proper checks to determine that the account was fraudulent when i was out of the country and some F***** decided to go play hell on my credit file. This time its Payday UK who have informed me 2 successful loans were taken out in my name, (Oh joy) One was paid back the next wasnt and left me with a £562 debt which has been reduced to just short of £450. Ive complained , clawed and everything to prove my point but its another one of t
  4. Good Evening All! Apologies for the duplicated post - I originally posted in "General Debt" but as I listed several queries, I was advised to start a new thread for each one, so here goes the PayDay one. Last year I took out a small PayDay loan (£300) and paid it in full at the end of the month, hefty fees but paid in full and got me out of a sticky situation that could have costed a lot more. Anyway, I have recently taken out a PayDay loan with the same company (PayDayUK or Mem Capital as it shows on my credit file) for £750 to buy a car - another situation which would cost a l
  5. Hi there, Just after a quick bit of advice. I've checked my credit file and there's currently an unpaid amount of £125 owing to MEM. This is from a few years ago, and ideally I'd like to clear it. I'm just wondering - £125 is the initial amount I borrowed, if I call them are they likely to tell me that the debt is now in the thousands because of the interest, or can I assume that since it's £125 on my credit file, that's all I owe? £125 is affordable now (it wasn't back then!), but the interest probably wouldn't be... Thanks
  6. Hi, As you'll have seen from my SpeedCredit posts. I have sent out CCA Requests to all the PDL Companies. I received a reply from MEM Consumer Finance Ltd aka PayDayUK. I have attached the letter and agreement they have sent me (omitting my personal details) It is reassuring they haven't tried to "lift" my signature from the letter. I've heard of some PDL and DCA organisations being dishonest about signatures... So the siggy on the letter wasn't mine! Anyway. Could some of you excellent and knowledgeable people please give me some advice on this attached CCA. Regards,
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