Flm Loans

[Danjock]

I currently have a loan with FLM and need some advise on how to go about things.I pay monthly by bank giro slip which the company said they would send me every month,it used to be done by direct debit but i stopped this because they were taking payments early.

However they failed to send the first giro slip on time resulting in late payment which I was charged for and this happens almost every month.

Then last month they rang me to say they had not recieved payment which I had a recipt for,I faxed it to them but they insisted that it was not paid and sent me a default notice,they also rang my work number which they must have obtained after I had used the work phone to contact them,but I never gave them permission to call me on this number,my manager told them to stop calling but they continued even leaving messages on the answer phone which other staff heard.

Then they rang to say that they had found the payment but refused to drop the charges on my account.

I have not missed a single payment,there have been late ones but this is due to the above so surely they have broken procedures.

Any help would be much appreciated.

[Guest Old_andrew2018]

you could write and reclaim those charges, don't forget include interest.

[Danjock]

Well thank you for that eye opening account but the fact remains that your company has broken numerous procedures that are put into place for a reason,are you defending the fact that FLM contacted my work and left numerous messages on the answer phone,even when my manager ......that would be the person who owns the line personally told them to stop calling yet they continued to call,this is a breach of the Tele communications act is it not????.

Also I contacted your company to ask if I could pay by a dfferent method and they ADVISED that I pay by giro which is why I am paying this way,yet they refused,as they have again this month to send them,I have not missed a single payment so do you really think you have a leg to stand on when it goes to court???.

I have all the paper work,all recipts of payment and all the threatening letters thay your company sent me,for what???I have made every single payment and your company defaults my account for what reason???.

I,ll see them in court.

[Guest Old_andrew2018]

I am puzzled at the fact that my previous post has been deleted from this thread. I spent half an hour of my own time last night (Sunday Night) trying to help you by posting up here.

 

I want to help you but unfortunately if my posts keep getting deleted I will not be able to help you with this matter here.

Hi I missed your post, IMO I think you must contact the site team to find out why your post was deleted, to do this You can also click on the red triangle located below you name, this opens a dialogue box in which you can ask the site team.

As an employee of a loan company I believe you must receive consent to post replies, or you may be seen as a troll.

Edited August 18, 2008 by old_andrew2007
typo

[spammers]

[EDIT]

 

Any communication you have with this company should be done by good old fashioned snail mail and also advise them that they are not to contact you by telephone. Why they sent you a default notice is unbelievable, trust me they are trying the same tricks with us as guarantors... We too will see them in court.

Edited January 18, 2011 by alanfromderby
Please provide evidence where making allegations of wrong-doing.