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  1. Morning All, I have an issue with an old txt loan that shows as appeared on my credit file around 2014/15. Original loan was taken out 2012, a time when my partner was unable to work through illness, we both took out payday loans, wonga txt loan and provident etc. All of these debts have now gone, but this one remains as a reminder of those days. The details were always a bit weird on my file as it was made to look as though I had made a payment towards it but never did. The debt is very close to being statute barred but now it has disappeared from my file, it's registered at one of my old addresses and I'm concerned that a CCJ will be issued at the old address. I really don't know what to do about this, should I make contact and open up an old wound, make a payment plan or take a chance and leave it? Any advice would be much appreciated, Thank you
  2. Hi I am after a bit of advice on whether it is possible to ask for a default to be added to a settled account. I initially took out a txtloan ( now Myjar) Payday loan for £100 on 23/02/2012, this was repaid on 08/03/2012. I then took out another £100 loan on the same day which then went into arrears due to financial difficulty, I had multiple payday loans which were taking up the majority of my wage on payday. I entered a dmp later that year with the lenders receiving their first payment in December 2012. All of the loans are now either settled or satisfied. I am looking to move house next year so have been checking my credit report. I have noticed that the other payday lenders marked my account as default between March 2012 - September 2012. This would mean that they are due to drop off my credit report later this year. The exception is Myjar who never defaulted me, the only thing that shows up on my credit report is arrangement to pay and the account was settled in November 2015. I was wondering if I would have a case to ask myjar to add a default when I was initially 3-6 months in arrears as per ico guidelines. I was 9 months in arrears by the time they received their first payment through my dmp. As it stands the settled account will not drop off my credit file until November 2021. Thank you in advance for your help.
  3. Hi there, just looking for abit of advice here, i have no idea why i didn't know anything about this at the time/how i didnt clock on or what have you but the following is this - in 2011-2012 ish i took out the following loans with TXTLoan (now MyJar) which all paid back as you can see which is attached to this post . Confuses me here, the dates of when the loans were paid and taken out seem to be weird and it doesn't add up, i kept paying them back more than i ever borrowed in such short space of time, i.e £51 interest over a day?! in one case i apparently seem to have paid £196.20p in a few days interest alone! in total it seems i have paid out £1,896 from a total of £1,400 over the course of 6 months, that's alot of interest. Looking back in my emails / bank statements, all i have are correspondence from the very date i first took out the loan with txtloan (26th July 2011) till the last payment was taken, then in 2012/2013/2015 i had threatening emails trying to get me to pay, there were no further loans from txtloan after i repaid £496. this email in particular i find amusing how does one loan go from £300 to £692 within 15 days? not to mention the fact that it looks like they already took a payment of £496 in January! they defaulted me in April 2012 which still exists on my credit file and it had affected my ability to get credit and eventually spiralled me into another payday loan hell circle in 2013 as i was unable to gain any affordable credit (another story i guess) a few things this looks to me like is 1. unaffordable lending to the extreme 2. unfair default charges 3. extortionate interest rates 4. taking money without me apparently realising (not sure if this is one?) i've lodged a complaint against MyJar now with the FOS but i've yet to include all this information which i found today.. . the only reason i looked into it again today was that MyJar replied to a complaint letter i did to them (and many other payday loan lenders) What are my options here along with the complaint to the FOS, what do i reply to Myjar? Thanks for the help.
  4. Hello, I got a copy of my credit report from Noddle, and say a default for a company called MyJar. I had no idea who they were, and the address registered I moved away from 2 years ago, so I was a bit confused. I wrote to the managing director, and he said that a colleague would be in touch. No one was in touch, so yesterday, I emailed back to ask that as they had not provided the information, could they remove the information from my credit file. Naturally, I got a reply within the hour. Oh they emailed on 30th December, have I checked my junk file? Anyway, the email reads as follows; Thank you for your e-mails. Please note that we sent you an e-mail on 30 December 2015 to advise you of the account and it’s status. In case you have not received it, it may be in your “Junk” inbox. Your loan was formerly with TxtLoan Limited but was transferred to MYJAR Limited on 28/02/2015. The loan was originally for £100 requested by you on 18/03/2011. Your loan reference number: 18### Your current outstanding balance: £200 I have attached to this e-mail a breakdown of the balance and your electronically signed credit agreement. The previous balance was £247, which was also used to register the default. However, recently we have removed the debt collection fee as our debt collection partners were unable to come to an agreement with you for the outstanding debt and the outstanding balance is currently at £200. Please let us know if wish to repay the loan as a single instalment or if you would prefer a repayment plan with monthly or weekly payments you deem affordable. Additionally, you can always get free independent help from a number of sources such as: ... I look forward to hearing from you. Best regards, Now, it is possible that I did get a loan from TxtLoan at the time, I honestly don't remember. I know for sure I haven't heard anything from them or MyJar over the past 4 years. The agreement sent over by email is with MyJar (a company I had never heard of until I checked my credit report), is not 'signed' and is dated 18/03/2011. Is it possible to have an agreement with a company that didn't exist at the time that the agreement was supposedly 'signed'? As I say, the agreement doesn't have my name at the bottom part, where it should be signed... I'm basically just really confused about who these people are that have registered a default on my credit file, and are now after £200!
  5. Hi, I have been very grateful for the advice of the CAGers on this forum, and I wonder if I can ask once more for some advice. Having gone from having 14 outstanding payday loans I am now down to a final 4:smile: ( I pick a lender to deal with each month and then devote my efforts to negotiating with them until we agree a full & final settlement. I am really struggling with CRS who have taken over as DCA for MYJAR(formerly txtloan), originally I was dealing with Mackenzie Hall who agreed to my repayment offer of £1 per month (after mediation with my mortgage company & help from National Debtline). I wrote to MH back in May asking for a statement of my account and they emailed me back with some nonsense about them being unable to produce a statement, so I left it and went on payng £1 per month. In August I was contacted by CRS who sai they have taken over from MH. I have repeatedly emailed and asked for a statement and a copy of the original agreement and they still haven't responded or acknowledged my request. The original request I sent was on 11 Sept, it was sent again on 15th Sept, then I chased on Oct 2nd, when I recieved a reply saying they had asked for a statement that would be forwarded once they recieved it. I have still not got a statement and they have taken to ringing me daily even though I have told them via email not to contact me until they have my statement. HELP!!! What can I do and where do I go from here? This is the chosen PDL I want rid of next because they are causing me so much stress. Can I contact the FOS about them and how long will that take?
  6. Hello, I just need some insight into the email below txtloan have sent me. I mean I am not new to this and believe I should pay what I owe and that is that but sometimes other people can say things which open other doors. I took a loan from txtloan in march/april for £300 and set up a repayment plan when I couldn't pay in april for £20 per month for 6 months which ended on 30th november 2012. So my original loan was £300 (£351 w/interest), I have paid £120 which should leave £231 but the DCA is claiming my balance to be £540. And how can they still charge me interest even when on a repayment plan? The DCA txt loan has sent my balance to is Mackenzie Hall, who we all know are such awesome guys. ____________________________________________________ Thank you for your e-mail. Please note that we offer short-term 15 day loans only and currently your loan is on day 288 on our credit cycle. The process works as follows: Day 1 - you receive a loan of £300. A repayment reminder is sent before the loan term elapses. Day 16 - We collect the original amount you borrowed, £300 plus interest of £51 - £351 in total. However, if the funds are not available on Day 16, additional charges are added. Day 17 - a 1st reminder is sent and a £25 administration fee is added and interest accrues at the rate of £3.40 per day until your loan is repaid in full. The loan totals £379.40. Day 27 - a 2nd reminder is sent and a £25 administration fee is added and interest continues to accrue at the rate of £3.40 per day until your loan is repaid in full. The loan totals £438.40. Day 61 - the loan totals £554.00 and is passed to our Collection Partner. This incurs an additional £138.50 administration fee. The loan totals £692.50. We try to collect your outstanding debt on a regular basis. You may have to pay additional charges to the debt collection agency. Failure to repay a loan may damage your credit record and could result in legal action. We had a repayment plan arranged for you. We confirmed that for the first 6 months we accept reduced payments of £20.00 towards your outstanding balance of £554.00 and unless we hear from you the full remaining balance is expected on 31/12/12. Regrettably, no payment or correspondence was received until now, therefore, the loan followed original credit cycle as per the agreement which you have signed and was forwarded to our Debt Collection Partner on 14/01/13.
  7. Hi All, New to this forum but unfortunately got myself in a bit of a mess with txtloan, i owe them money and am trying to negotiate a repayment plan but they dont want to know and keep referring me to a debt collection agency. They have already stated that the DCA are acting on their behalf and they dont own the debt but txt loan wont help. I sent them an email saying as the dca dont own the debt i would like to deal with txtloan direct and could they propose a repayment plan that would be suitable for both parties. They responded with the following... Thank you for contacting us. Unfortunately, we kindly have to decline your offer one more time. Please bear in mind that in the credit agreement you agreed upon registering with us, in section 2, paragraph 2.4 it states the following: "If you fail to make payments under the Agreement we may send your personal details, including name and contact details and details about your payment history under the agreement, to third party debt collection agencies so that they may collect the money that you owe under the agreement." I am certain that you can come up with a mutual agreement with them as well in regards clearing the outstanding balance. If you have any other questions or concerns, please do not hesitate to contact us on 0871 705 0000* or send an e-mail Please have your mobile number and PIN ready before calling our customer support number. Kind regards, What should i do next?? Thanks in advance for any help.
  8. 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. chat 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. ME: Excellent 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. Regards
  9. Hi there - down to 2 remaining payday loans now (Wonga and Txtloan) out of what was probably 13 or 14. Txtloan one has been proving difficult, as far as getting any kind of response from them. We wrote offering a settlement of original loan (£300) plus one months interest but never received a reply. It is now with Equidebt and they have not answered any of our 15 E-mails, but continued to send their 'please contact us' stock E-mails. So I spoke with them today on the phone and they apologised for not responding but gave no actual reason why they hadn't. After a bit of arguing and him going away and checking with presumably a manager they have come up with a settlement figure of £519 which is a 25% discount on the £692 that the debt was when transferred to them from TxtLoan (see below breakdown from Txtloan site) They also said they would take this £519 over 3 monthly payments without any extra cost or fees, and interest is frozen. I know it is not ideal, but as they seem unwilling to budge any further is this worth considering accepting and paying over 3 months? They are willing to send out an actual letter confirming the deal. Any advice much appreciated. Thanks in advance Loan £300.00 issued on the 25th May 2012. Interest £204.00 1st Reminder Charge £25.00 incurred on the 10th Jun 2012. 2nd Reminder Charge £25.00 incurred on the 20th Jun 2012. Subtotal £554.00 Administration Fee 138.50 incurred on the 25th Jul 2012. Total £692.50
  10. Hi there, Reading up on this forum, I understand that Mackenzie Hal are a lot more bark than bite, but I'd still like to know what I should be doing next. I've had a few letters from them regarding a Txtloan acct that fell into disarray. Knowing their reputation, I ignored them. However, I've had one today threatening "POTENTIAL ACTION" and that "NON-PAYMENT AFTER JUDGEMENT" could result in "an application to your employer for an attachment of earnings". Almost certainly twaddle, but I'd like to send a letter in response so it looks like I'm paying attention and so they know I'm not a sap. What should I be sending?
  11. i took out a txtloan payday loan and i was paying it back via a payment plan but on looking at the statements it seems a bit dodgy. i was paying back at £25 a week and it seems that i paid the £25 and then by the next friday when payment was due my balance was basically back to what it started at due to daily interest,theres also a £25 2nd Reminder Charge on there? no idea what that is. theyve also taken an unauthorized payment of 111.12 today,the guy at the bank said i can do a chargeback monday but i need to get in touch with them first is that right? i am beyond annoyed. theres are the statements (just copied and pasted) 1st Jul 2012 U954780L684189 Daily interest (1.13) ( 144.27 ) 2nd Jul 2012 U954780L684189 Daily interest (1.13) ( 145.40 ) 3rd Jul 2012 U954780L684189 Daily interest (1.13) ( 146.53 ) 4th Jul 2012 U954780L684189 Daily interest (1.13) ( 147.67 ) 5th Jul 2012 U954780L684189 Daily interest (1.13) ( 148.80 ) 6th Jul 2012 U954780L684189 Daily interest (1.13) ( 149.93 ) 6th Jul 2012 U954780L684189 Advance Card Repayment 25.00 ( 124.93 ) 7th Jul 2012 U954780L684189 Daily interest (0.85) ( 125.78 ) 8th Jul 2012 U954780L684189 Daily interest (0.85) ( 126.63 ) 9th Jul 2012 U954780L684189 Daily interest (0.85) ( 127.48 ) 10th Jul 2012 U954780L684189 2nd Reminder Charge (25.00) ( 152.48 ) 10th Jul 2012 U954780L684189 Daily interest (0.85) ( 153.33 ) 11th Jul 2012 U954780L684189 Daily interest (0.85) ( 154.18 ) 12th Jul 2012 U954780L684189 Daily interest (0.85) ( 155.03 ) 13th Jul 2012 U954780L684189 Daily interest (0.85) ( 155.88 ) 13th Jul 2012 U954780L684189 Advance Card Repayment 25.00 ( 130.88 ) 14th Jul 2012 U954780L684189 Daily interest (0.57) ( 131.45 ) 15th Jul 2012 U954780L684189 Daily interest (0.57) ( 132.02 ) 16th Jul 2012 U954780L684189 Daily interest (0.57) ( 132.58 ) 17th Jul 2012 U954780L684189 Daily interest (0.57) ( 133.15 ) 18th Jul 2012 U954780L684189 Daily interest (0.57) ( 133.72 ) 19th Jul 2012 U954780L684189 Daily interest (0.57) ( 134.28 ) 20th Jul 2012 U954780L684189 Daily interest (0.57) ( 134.85 ) 20th Jul 2012 U954780L684189 Advance Card Repayment 25.00 ( 109.85 ) 21st Jul 2012 U954780L684189 Daily interest (0.28) ( 110.13 ) 22nd Jul 2012 U954780L684189 Daily interest (0.28) ( 110.42 ) 23rd Jul 2012 U954780L684189 Daily interest (0.28) ( 110.70 ) 24th Jul 2012 U954780L684189 Daily interest (0.28) ( 110.98 ) 25th Jul 2012 U954780L684189 Daily interest (0.28) ( 111.27 ) 26th Jul 2012 U954780L684189 Daily interest (0.28) ( 111.55 ) 27th Jul 2012 U954780L684189 Daily interest (0.28) ( 111.83 ) 28th Jul 2012 U954780L684189 Daily interest (0.28) ( 112.12 ) 28th Jul 2012 U954780L684189 Advance Card Repayment 112.12 0.00 any help would be appreciated.Tia
  12. Hi, I managed to set up a repayment with TxtLoan without too much trouble and also got their bank details. I was asked if I'd post them here as they may be of use to other people. they are: Bank - HSBC Account in the name of - TxtLoan Ltd Account number - 42028948 Sort code - 402103 Siteteam note: CAG has not verified as to the authenticity so members should be careful. anyone who has used this and know it to be working and correct please add a post to this sticky thread. THIS THREAD IS NOT FOR ISSUES WITH TXTLOANS START A NEW THREAD dx sitteam
  13. I have a txtloan which is not due for repayment until tomorrow, but today I got this text from them: "You have 4 days to avoid a debt collector's fee or other costs that may accrue in the event of legal action being taken to recover the debt. We will debit your account for £351 tomorrow 8pm. Txtloan Team." It seems really heavy handed given that it's not due and certainly not late. I want to complain to them, but would like to get my facts right first. Many thanks
  14. So im finally registered here after spending the last couple of weeks reading through posts on payday loans and how to cope with them. First i know im stupid for taking these loans but times were desperate and i could afford the rollover fee's but i have now moved into a new flat with bills and it has now put pressure on my circumstances. First my old debts: Capquest - 2100 (Paying at £50 a month) SRJ Debt Recovery - 600 (Paying at £600 a month) These bad marks on my file are the reason for my use of payday loans however my question on these is hen does the default drop off my credit file. Is it 6 years from the date of default or the date the money is cleared as they have been registered on my credit file for roughly 4 yrs now. Ok now onto the payday loans: Wonga: Agreed To Freeze Interest And Accept Payments Of £48.12 over 10 months. Wage Day Advance: Agreed To Freeze Interest And Accept Payments Of £38.12 over 6 months. Peachy Loan: Agreed To Freeze Interest And Accept Payments Of £38.12 over 4 months. Cash Genie: Agreed To Freeze Interest accpet payments of £25.00 over 6 months. Now the companies causing me issues are: TxtLoan: Will Accept A Payment plan but add £200 on to the final balance. from what i've learnt looking round the site i should negotiate at 1 months interest plus the original loan sum. Quickquid: While they have offered a payment plan it is only over a 3month period and is not suitable for me at £103 a month. i need to realistically stretch this over 6 months. Any advice on these two at all? does anyone know what there debt collectors are like? Also i've recently changed job so these companies will not have a work contact number for me - is there anyway they will be able to track down my place of work?? im new at the business and fear repeated calls from these companies could lead to me being fired. cheers for your help in advance, time for a change P.S. please find attached my correspondance with txt loan up until this point below in italics while quickuid are refusing to communicate via email and keep asking me to call. Anyone got any suggestions on a good email for quickquid. My 3rd or 4th Message To Them I again offer a payment schedule based on the original loan amount plus one months interest (?353) to be paid in installments of ?45.00 per month with a final balance payment of £40 in the final month. Could you please forward me your bank details by return so I can set up a standing order to make the above payments. my offer is to repay 1 months interest at the original amount as i know you have agreed with others not for the amount 550. alex moore please respond urgently so i can set up the standing order to commence on the 30/01/12 my suggested repayment plan is 30/01/12: £45 30/02/12: £45 30/03/12: £45 30/04/12: £45 30/05/12: £45 30/06/12: £45 30/07/12: £45 30/08/12: £40 this would total £360 clearing the entire balance on the account. regards, XXXXXX XXXXX There Latest Response Dear Alex, Thank you for your e-mail. Unfortunately, we can not accept the repayment plan you suggested as per your loan agreement the amount of £554 needs to be repaid. If you are not willing to accept to repay in £45 monthly repayments for the next 6 months and then increase the repayments to £80 until the balance clears, then after 61 days from the time you made the loan request your loan will be handed over to our debt collector. The full amount you will need to repay them is £692.50. Please confirm how would you like to proceed? Then after this they sent me the following which contradicts what they say above by taking £45 payments and no increase in repayments as stated above: Dear Alex, Thank you for contacting us. We offer short-term 15 day loans only. However, as a responsible lender, we are willing to modify your repayment details and agree that you can pay back the outstanding balance as follows: Loan ID: XXXXX PAYMENT PLAN: Date: 2012-01-30 / Amount 45.00 Date: 2012-02-29 | Amount £45.00 Date: 2012-03-30 | Amount £45.00 Date: 2012-04-30 | Amount £45.00 Date: 2012-05-30 | Amount £45.00 Date: 2012-06-30 | Amount £45.00 Date: 2012-07-30 | Amount £45.00 Date: 2012-08-30 | Amount £45.00 Date: 2012-09-30 | Amount £45.00 Date: 2012-10-30 | Amount £45.00 Date: 2012-11-30 | Amount £45.00 Date: 2012-12-30 | Amount £45.00 Date: 2013-01-30 | Amount £14.00 Total Sum: £554.00 Please note that we will debit your card for the repayments so please make sure we have your up to date details. If you fail to follow the repayment plan the loan will continue to follow the original credit cycle per your loan agreement.
  15. Being bombarded with calls from Fredrickson's followed by receiving a letter saying I owed £247 to TXT Loan Limited, I assumed it must be some kind of 'problem' as I have never taken out any such loan or heard of either company. Googling it enhanced my suspicions as I found Fredrickson's had a habit of attempting to squeeze money out of people who did not owe it. I wrote to them asking them for a copy of the CCA and clearly stated that this was not my debt and that all correspondence on the matter was to be in writing. They replied that they had referred the matter to their client and were putting the account on hold in the meantime. The phonecalls ceased for about three weeks but have now recommenced. Last week I received a copy of the credit agreement with an unsigned 'click to sign' box and completely the wrong DOB, but used my correct initial and address. It also contained a bank sort code and account number, also not mine. The date this loan was taken out co-incides with the time my credit card company alerted me that my credit card details were being used fraudulently. If TXTloan had this address, why would they never write to me? Checks on personal details such as name and date of birth are so easy now-a-days any fraudster can access them far too easily with a few clicks on the Internet, along with mother's maiden names. This being so easily accessible makes it seem absurd that banks still use these details as adequate security checks. But in this instance a quick check by any of them should have shown this. Interestingly garyjc is having an IDENTICAL experience to myself! I have reported it to the police and written to TXTloan explaining the situation. Now Fredrickson have started the telephone harassment again (it is my poor father that has to endure the brunt of these) what should my next step be? I'm sure there are plenty others out there with similar experiences and would love to hear any with such similar circumstances. If payday loans companies can give out money to fraudsters who need no more than someone else's name and address, then surely there must or will be loads of such cases.
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