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Found 8 results

  1. Hey all, I received a letter from BW Legal last month in the form of a "letter of claim". The letter stated that they where acting on behalf of their client Parc Financial's, who bought the debt from PD UK I am given until the 13th July 2018 to reply to the letter. If i didn't pay or set arrangement to make payments for the balance of £206.74, I could occur additional fee's such as interest, court and solicitor fee's making the balance £306. The particulars of the debt stated that I entered an agreement with PD UK on the 28th June 2013, prior to being purchased by Parc Financials on the 9th December 2016. Because of how long ago this was, I am unsure if i did receive a letter / notification of this at the time, but I do not believe i did. No other supporting documents or as such were provided with this letter, only a reply form. According to my credit report, I defaulted with PDUK on the 01/02/2014. I also noted an open account for Parc financial for the same amount. Interestingly enough, I dag through my old email that i used at the time which I couldn't trace any contact from PDUK regarding the debt or notifying me of it being sold. However, I did find an email from BW Legal on the 5/3/2017 as a "Final Request For Payment" and another email on the 7/12/2017 as a "letter of claim". The difference between the two is that the earlier said "may" and the letter received last month says "will". It is worth mentioning I do not remember the debt amount though I know I did borrow money from PDUK It was such a long time ago when I was 18-19 years old, unemployed and had a CCJ at the time from Wonga (stupid young mistakes eh). What would be my best course of action? Seeing as so many people seem to be in or faced the same situation as am I. Thanks in advance
  2. Hi all I was hoping someone could work out a rough idea of the refund amount on the following loans or tell me how to do it, the complaint is upheld by my adjudicator and I am waiting for final confirmation from PDUK. I can't get my head round what I have paid, some figures are in brackets and there is Interest deferral, deposit, repayments !! I don't know what i am supposed to be adding up here ! Any help would be appreciated 10 January 2011 Interest | Deposit £100.00 £500.00 10 January 2011 Principal | Deposit £400.00 £500.00 15 February 2011 Principal | Repayment (£100.00) £400.00 15 February 2011 Interest | Deferral (£100.00) £500.00 15 February 2011 Principal | Deferral (£300.00) £500.00 15 February 2011 Principal | Deferral £400.00 £500.00 15 February 2011 Interest | Deferral £100.00 £500.00 15 March 2011 Principal | Repayment (£100.00) £400.00 15 March 2011 Principal | Deferral (£300.00) £500.00 15 March 2011 Interest | Deferral (£100.00) £500.00 15 March 2011 Principal | Deferral £400.00 £500.00 15 March 2011 Interest | Deferral £100.00 £500.00 15 April 2011 Principal | Deferral £400.00 £600.00 15 April 2011 Interest | Deferral £100.00 £600.00 15 April 2011 Interest | Deferral (£100.00) £600.00 15 April 2011 Principal | Deferral (£300.00) £600.00 15 April 2011 Principal | Repayment (£100.00) £500.00 13 May 2011 Principal | Repayment (£100.00) £400.00 13 May 2011 Principal | Deferral £400.00 £500.00 13 May 2011 Interest | Deferral £100.00 £500.00 13 May 2011 Interest | Deferral (£100.00) £500.00 13 May 2011 Principal | Deferral (£300.00) £500.00 15 June 2011 Interest | Deferral £100.00 £600.00 15 June 2011 Principal | Deferral £400.00 £600.00 15 June 2011 Interest | Deferral (£100.00) £600.00 15 June 2011 Principal | Deferral (£300.00) £600.00 15 June 2011 Principal | Repayment (£100.00) £500.00 15 July 2011 Principal | Deferral (£300.00) £600.00 15 July 2011 Interest | Deferral (£100.00) £600.00 15 July 2011 Principal | Deferral £400.00 £600.00 15 July 2011 Interest | Deferral £100.00 £600.00 15 July 2011 Principal | Repayment (£100.00) £500.00 15 August 2011 Principal | Deferral (£240.00) £585.00 15 August 2011 Interest | Deferral (£100.00) £585.00 15 August 2011 Principal | Deferral £340.00 £585.00 15 August 2011 Interest | Deferral £85.00 £585.00 15 August 2011 Principal | Repayment (£160.00) £425.00 15 September 2011 Principal | Deferral £280.00 £495.00 15 September 2011 Interest | Deferral £70.00 £495.00 15 September 2011 Interest | Deferral (£85.00) £495.00 15 September 2011 Principal | Deferral (£195.00) £495.00 15 September 2011 Principal | Repayment (£145.00) £350.00 14 October 2011 Principal | Deferral (£160.00) £407.50 14 October 2011 Interest | Deferral (£70.00) £407.50 14 October 2011 Principal | Deferral £230.00 £407.50 14 October 2011 Interest | Deferral £57.50 £407.50 14 October 2011 Principal | Repayment (£120.00) £287.50 31 October 2011 Principal | Deferral (£142.50) £337.50 31 October 2011 Interest | Deferral (£57.50) £337.50 31 October 2011 Interest | Deferral £50.00 £337.50 31 October 2011 Principal | Deferral £200.00 £337.50 31 October 2011 Principal | Repayment (£87.50) £250.00 30 November 2011 Principal | Repayment (£80.00) £170.00 30 November 2011 Interest | Deferral £42.50 £212.50 30 November 2011 Principal | Deferral £170.00 £212.50 30 November 2011 Principal | Deferral (£120.00) £212.50 30 November 2011 Interest | Deferral (£50.00) £212.50 30 December 2011 Principal | Deferral (£97.50) £247.50 30 December 2011 Interest | Deferral (£42.50) £247.50 30 December 2011 Interest | Deferral £35.00 £247.50 30 December 2011 Principal | Deferral £140.00 £247.50 30 December 2011 Principal | Repayment (£72.50) £175.00 31 January 2012 Principal | Repayment (£65.00) £110.00 31 January 2012 Principal | Deferral (£75.00) £137.50 31 January 2012 Interest | Deferral (£35.00) £137.50 31 January 2012 Principal | Deferral £110.00 £137.50 31 January 2012 Interest | Deferral £27.50 £137.50 02 February 2012 Principal | Repayment (£110.00) £0.00 02 February 2012 Interest | Repayment (£27.50) £0.00 02 February 2012 Principal | Deposit £420.00 £525.00 02 February 2012 Interest | Deposit £105.00 £525.00 29 February 2012 Principal | Deferral (£315.00) £630.00 29 February 2012 Interest | Deferral (£105.00) £630.00 29 February 2012 Principal | Deferral £420.00 £630.00 29 February 2012 Interest | Deferral £105.00 £630.00 29 February 2012 Principal | Repayment (£105.00) £525.00 30 March 2012 Principal | Deferral (£315.00) £630.00 30 March 2012 Interest | Deferral (£105.00) £630.00 30 March 2012 Interest | Deferral £105.00 £630.00 30 March 2012 Principal | Deferral £420.00 £630.00 30 March 2012 Principal | Repayment (£105.00) £525.00 13 April 2012 Principal | Repayment (£420.00) £0.00 13 April 2012 Interest | Repayment (£105.00) £0.00
  3. Hi all, I have been trawling this forum and found loads of really helpful advice, so firstly I wanted to say thankyou! Between 2009 and 2012 I was trapped in a never ending cycle of debt with PDUK. I was borrowing £400 per month, and paying back £525 every single month, for about 3 years. During this time I was also borrowing from quick quid and a couple of others, but not to the same extent- only a couple of loans from each, nothing on the same scale. I honestly cant remember opening my account with PDUK- and I think the initial loan was for £100, but I know that after that I was never asked about my salalry or expenditure, I just clicked a link in an email and e-signed for another loan every month, often on the same day I had paid off the last loan. During the time I was borrowing, I also had credit cards and an overdraft, defaults every where, lost my job and developed a gambling problem. None of this was ever noticed by PDUK, as they never asked for a bank statement. Would I have grounds to claim back my interest? I defaulted on the last loan, and just ignored them and buried my head in the sand. I also lost my job, as I developed severe acute anxiety as a result of it all, which meant I had to move, so I didnt get any of their letters. Do I need to do an SAR or can I just ask them for a statement? Thanks in advance, J
  4. Hi, I have entered a dmp and sent initial contacts to all lenders. Most have responded holding account and interest bar the three above. lending stream are not playing ball at all and are refusing to stop charging daily interest still. They said they would if I sent letter of authority for Stepchange which I did but they haven't! payday UK are constantly calling me and the email address provided on their emails bounce back wageday advance are also hounding me refusing to deal with me via email and will apparently only deal with me over the phone. payday UK and Wageday haven't responded to letters I sent. Stepchange won't talk to any of my lenders until I get a 10 digit account no for another one of my debts with very however I'm only being provided with a 6 digit reference. Grrrr! So I'm in limbo, daily interest being charged by all three and cannot see a way forward.
  5. Hi Can someone confirm something please, have an ongoing complaint with MEM Consumer Finance (t/a PDUK). They have written stating they are not legally obliged to issue a Default Notice and confirm that they did not do so before reporting a default on CRF. They also go on to say they do not terminate credit agreements and Default Notices are only required in the case of a creditor terminating a credit agreement. The end date of the fixed sum agreement is the end contractual due date. I have a copy of the of the Fixed Sum Agreement and able to upload that and copy of the companies response letter for reading. Also to note I was hounded by Mucky Hall as they sent it to them when nothing was due, fully repaid!
  6. Hi I stupidly applied for a pay day loan , got accepted by pduk and rang them to say I didn't want it after my friend offered to lend me the money. Any way nothing was paid in my account but I did ring to cancel it but to be told I need to send in some ID. Anyway said I don't want it now . 10 Days later I had a text saying they had processed my loan and was paying the money in .I rang again and they said they had no account for me ,been told this 3 times now. Today had a answer phone message from them I rang again and was told the date of birth didn't match their records so to send some ID in. Why have they processed this loan if its not my date of birth .Im stressed please advise
  7. Hi, I am after some advice about the way PDUK (MEM) are reporting my account on Experian, I have used PDUK for many years, I know it’s bad and in effect I have paid a fortune to them, but thankfully I am finally able to get it all cleared!!! No default no missed payments, but my issue is with how they have reported my account to Experian, every time I have paid up and then taken out another monthly loan they report it as a new account, so if I borrowed £100 and paid it back the following month then 2 months later did the same they would create two new accounts on Experian. My view is that it is all one account and as such should be reported as one account; the large number of accounts is having a significant effect on my credit score. I am planning on writing to them but was hoping someone might have some advice? Thanks in advance M
  8. Hello everyone, After reading similar threads, I thought I'd post one of my own. I currently have three pending payday loans; Wonga: £839.98 (£650.00 + £172.78 Interest + £16.50 Transmission fee) Quickquid: £487.91 (£237.76 + extended £250.15 including interest) PDUK: £187.50 (£150 + £37.50 interest) I have used these companies more than once, and I always pay back in full every time. However due to job loss in my household it is now my responsibility to pick up the bills, food etc. So it is simply not possible for me to pay these in full tommorow (the due date) or in the forseeable future. I have not taken any chances,as my bills need to be paid and my family fed, so I have cancelled my card and direct debits, opened an entirely new bank account for my wages to go in and emailed each lender to let them know about my situation. I have made it clear that I intend to pay back the loan in full, plus one months interest. PDUK were first to reply, and asked me to fill out theirincome and expenditure form, which I did. However they have emailed me back with the offer of a deferral and to pay the loan back in full next month. Clearly they did not take my income and expenditure form into consideration, as it shows after all expendisures I am left with £58. I have emailed back to thank them for the offer, but that I must decline as I wil not be able to pay the loan in full next month and referred them again to the income and expenditure form. I have voiced that I am very keen to set up a repayment plan and I am now awaiting their next reply. Can anybody offer some advice on how to deal with these people? They really seem to be dragging their feet. Quickquid and Wonga were next to reply, they both refused to set up pre-default plans and advised me to call their collections departments on the day of collection. Any advice with how to deal with these companies over the phone would be much appreciated. I would like all correspondance to be in email form, but I have a feeling they may make things difficult for me when I call them tomorrow. I would also like advice on how to send these companies their repayments, if or when they agree to a repayment schedule. Thank you Gemma x
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