Samedaycash and Payplan.

[clarkyac1]

Hello guys only my second post on ere i'll try my best to get to the point. I have just entered into a DMP with payplan after debt spiralling out of controll due to payday loans. I have quickquid, samedaycash, paydayuk and payday-express, also included natwest loan, 1st credit, tmobile, and welcome finance. Not had to much hassle from them so far but am really worried about samedaycash. My loan in full was due for my payday and i couldn't pay it due to rent, food, gas etc. I called sameday and told them this and asked if i could defer all of it till my next payday and got a resounding no, they wanted 25% of balance and i didnt have it, they tried to collect it from my bank when it was due and then again 3 days after as i was advised then got an email to say the second collection had failed, they charged me £40 default fee and interest has took my balance to 500.00, i borrowed 300.00. They said would send my account to a collections partner. Since that every 3 days they have attempted to take money from my account and obviously been declined due to no funds. I have asked why they are trying to take it when it has supposedly been passed to their collections partner and they say its because i have an outstanding balance and as long as i have they will keep requesting the money. I have since advised them that payplan are now dealing with it and whilst talking to an advisor of theirs i was called a serial defaulter because now i've gone to payplan she said i must be one, she also said that bailiffs will be calling to seize my goods, i told them that i have none and the only goods in the house are my mums and also told them what payplan advised that they can't seize anyones but my goods and mine alone and that they would need a warrant from the courts to seize my good. Hannah the advisor told me this is untrue and their solicitors Morgan Cole have advised them that they can do all of the above and will be sending Drakes Bailiffs. This lady was not a lady at all she kept shouting, wouldn't let me speak, she said i had committed fraud by taking the loan knowing i wouldn't be able to pay back so would also report me to CIFAS. Its not true that i committed fraud as i had 4 loans with them previously and paid all back but she was having none of it, did not seem to want to listen and wasnt prepared to accept anything i said. I did send emails asking them to send it to a debt collector as they would be more likely and willing to accept offer of payment, also asked if i can have a copy of my credit agreement as i didn't remember ever seeing one, all of my emails were ignored so i sent an email saying if somebody gets in touch i will pay my balance and i received the call about an hour later, which proves they were ignoring my emails and this is when hannah the advisor

Threatened me with the bailiffs. They have told me that they will block my DMP by not accepting the offer and told me to get payplan to call and she will tell them the same. This company has got my back up so much and i was shaking with anger when she was talking to me like a piece of dirt. Can anyone tell me if they can send bailiffs and can they seize my mothers goods? Also can anyone give me any advice about them blocking my debt management program? I have looked everywhere for info on here but not much about this company. I have read about bailiffs and think i am correct on this but they seemed adamant that the bailiffs can seize my goods and enter my home without going to court and she suggested i go and read a bit more. I am at my wits end with this company and a little scared. Can anyone help with any info on all the above. Sorry if i have gone on so much.

[berrylover]

They are talking rubbish. They cannot get a baliff to come to your house any more than you can get a baliff to go to hers. I don't know the debt management plan answer but they are just trying to bully you into getting you to pay what you cannot afford. Don't deal with them on the phone anymore. If they call you refuse to speak, ask for everything in writing. Don't phone them, write and send recorded delivery anything you send to them.

 

More advice will be along in a moment I'll bet.

[MrCollio]

They also can not block the DMP.

 

The DMP is done individually with each creditor. Paylan will negotiete this for you.

 

Samedaycash do not have to take part in the DMP. So you may get a situation where all the other creditors agree to the DMP but Samedaycash do not.

 

In this case you could always apply for a timeorder to the court or defend any CCJ with a timeorder. Payplan would help with this.

[Quoth]

One suggestion, contact the bank and ask for a replacement card. You don't need to say why, but if you need a reason, just say its damaged. New card should have new expiry date if not new number and since the old card is usually cancelled the first time you use your new card in a machine, the company shouldn't be able to claim the money even if it happens to be in there.

Then you can arrange a repayment without worrying about them trying to snatch money from your account

[Pinky69]

Golden Rule No 1 - NEVER speak to these people on the telephone - everything in writing and insist on it - they will only bully and abuse you, as you have already discovered. If they ring, hang up or leave the phone down and let them run up their bill. There is a telephone harrassment letter if they start ringing you constantly. The thing you spoke to on the phone is talking bull and they cannot send bailiffs - only a court can do that so it's she who needs to stop lying through her teeth, not you who needs to go and read more. And, no, they cannot interfere with your DPM. Get your bank card changed at once as suggested so they no longer have any acess to your account. Then you can decide what you can afford to pay them, not them.

[OnMyWayOut]

Cancel any Direct Debit if that's how they are paid.

[blowing bubbles]

I am also having problems with Same Day Cash and Pounds till Payday. My DMP are trying to negotiate with them but no news so far. My loan with SDC is due on 26th July so I have not defaulted yet. After reading your comments I will send them a recorded delivery letter and try not to speak to them on the phone. I have recently been diagnosed with MS and I can't handle the kind of stress they are putting you through. Once thing though, did SDC take payments from your debit card? They do with mine and I have been advised to report my card lost. The new card will have different security number - exp date and 3 digit code - so they will not have this information to get the payment authorised. Good luck and keep me posted as I will you.

[Quoth]

What ever you do, do not report your card as lost. Get the card changed but do not report it as lost or stolen unless it is. These companies are similar to the old cheque cashers, they know that some people report their cards as stolen to get out of paying.

You have a genuine problem with making a payment, the last thing you need is the extra stressed caused by.

Better to just ask the bank to replace the card because it is damaged. Then if the card is invalid its because of the system and not because you have had the card stopped.

Just a suggestion.