Hi all, I am currently helping my step daughter sort out her pdl with The Money Shop. We became aware of the problem in July 2013 when she moved back in with us. She received a default notice dated 16/07/13 claiming she owed £582.83. I sent TMS a letter, recorded delivery, on the 23/07/13 explaining she was currently unemployed, applying for JSA, could they freeze interest, provide their account details so payments could be made when her financial situation improved, and also included a SAR. I simultaneously obtained all 3 CRA reports. I changed her bank account as well. Received SAR from TMS dated 29/08/13. She was by now in employment and due to be paid on the 30/09/13. She started to receive daily phone calls which I told her to ignore. I wrote to them on 01/10/13 stating she was in employment, willing to settle the account over 9 months but still needed their account details, and to desist from calling and deal in writing. So, to the help I need. I am trying to work out how much they are due. From the SAR, the last loan she had was from 21/04/13 for £370-00, for 9 days, with an APR of 2235784.0% variable (no typo btw), and a total amount payable of £473-56 by 30/04/13. She has made no payment towards this, and the CRA report, updated 30/06/13, shows a balance of £497-00. They have so far not replied to the letter dated 01/10/13, and have continued to call, last week alone, 32 times. She will by 31/10/13 have saved enough to pay in the region of £500-00, and I could do with being shot of this bunch of clowns on her behalf, any help/advice greatly received thanks

Hi, I hope someone can give me some advice on a £350 loan I got with the money shop. In December I issued 3 cheques for £100 and one for £50. these cheques where used with my card, so i think that means they are guaranteed cheques, but i'm not sure. My card is just a visa debit. I've paid a monthly interest charge since to roll over the loan to the next month. However my work contract ended in jan and i have not been able to find work since. This has meant that this month I could not pay the interest roll over charges and stupidly i didn't ring them or try to sort the problem out before hand. I went into the money shop today and they told me that as i did not pay the cheques have now been cashed and i should contact my bank. I told them that there would be no funds in the bank to honour the cheques, so he told me to check with my bank as one had already gone through okay but that the other 3 were still due. if the remaining cheques were not paid then he said to ring head office to sort out a payment plan. I have since checked my bank and three of the cheques are on my statement spread over three consecutive days, but i have gone over my overdraft limit. i don't know if these will bounce back out or if the bank is honouring the payment. I also don't know why there are three cheques and not four on my statement. Could that one have already bounced in and back out? If any one has any advice to help me, then that would be great! I just need to know if I'll be paying both companies or if the bank will pay the money shop off and then i'll just have the bank charges for each cheque to pay. Any help appreciated thanks