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    • Spoke to my SIL a short while ago Andy and he had the following to say.....     No, he had left their employment by this time, in fact he left January of this year.     August 2013 up until January 2020     Yes, in fact he had a staff MORE card.     He laughed and said "Hell Yes" This even extended to the pubs deputy manageress whom he described as the worst offender and knew that my SIL was doing it as well as other staff members.   There is a story here....   He told me that after he had left, the company fraud guys came in to do an audit with her unofficially being the main target. He has an idea that she may well have been caught with her hand in the till and so she sang like a canary to save her own arse.
    • this is what shell have just sent me in email, confirming mistakes were made it the final response / deadlock letter, they are only telling me this now, 6 months after the deadlock letter was sent to me and long after court action started   please is the actual deadlock letter binding, or can they just noll and void it like this?   Thank you for taking the time to speak with me this evening regarding your account. As agreed, I am emailing you with the details of what was discussed during our phone call so you have a copy in writing. I advised that you previously had an account with Shell Energy (formerly First Utility) for property  and this has an outstanding debit balance of £187.24. However, due to the age of the account and when the invoice was produced on this account, this balance is being cleared. This balance will be cleared within 10 working days and the account will be closed at a zero balance. In regards to account  I advised that back billing credit of £630.45 that was applied in April 2020 was applied in error and was later withdrawn. I explained that the reason it was applied in error is because the back billing period this amount was calculated for, is the same period that the back billing was previously calculated for and a credit applied to the account in February 2017, with the amount of £1192.32 being applied to the energy account. I advised that at the time the deadlock letter was written, the information within this letter was accurate based on the account at that point. After receiving the deadlock letter, you then escalated your case to the Ombudsman. It was at this point, an agent investigated your case and realised that the back billing credit of £630.45 was applied in error. This was addressed within the Ombudsman's findings in writing and they confirmed that the £630.45 was an error and it is correct in being removed, leaving the account balance at £644.48 which is valid and liable to be paid. I appreciate that you have advised the Ombudsman case is null and void as you did not accept their decision and you are right in saying that the actual final decision that they issued was non-binding upon Shell Energy. However, this does not change the outcome of their findings or the fact that the back billing credit of £630.45 was not due to the account. You queried if our call was recorded as you would need it for a judge, to which I confirmed it was recorded. If you want me to raise a SAR for a copy of this call recording, please do not hesitate to reply directly to this email and let me know and I can arrange this for you. I advised that as your case has now been escalated to Shakespeare, legal fees have now been incurred. I advised of the breakdown of these fees: Legal representative cost £70 , Court fee £60 and interest £146.06. I also confirmed that these legal fees were on top of the account debit balance, resulting in an overall balance of £920.54. As discussed, due to the case now being with Shakespeare, I am unable to offer any settlement figure internally. However, I can arrange for Shakespeare to call you directly to discuss your account and options available. You queried if they would be able offer/discuss a settlement figure/payment plan, to which I confirmed that I could not comment on this as I do not know their process, however they will be able to discuss the options in more detail with you directly. As agreed, I will arrange for Shakespeare to call you tomorrow; Friday 27th November 2020. If they are unable to get hold of you, they should be able to leave a voicemail for you. During our call, you also queried who would appear in court to represent Shell, whether it would be a member of staff directly from Shell or whether it would be a representative from Shakespeare on our behalf. I have gone away and spoken to our legal team who have confirmed that it would be Shakespeare who would lead with a representative on behalf of Shell. I hope the information in this email clarifies our position. As advised within our phone call, I am genuinely sorry for the shortfalls you have experienced and I fully appreciate the frustration this has caused. As above, if you would like to request a copy of our call recoding from today, please not hesitate to let me know and I can raise a SAR for this. You can reply directly to this email or you can call on 0330 094 9158. Our lines are open Monday to Friday, 9:00am to 6:00pm. Please note that my working days are Wednesday to Friday each week. Yours sincerely,  
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Hi,

I am just starting this process with Pounds till payday myself (I just sent the letters off yesterday)! Could someone message me their bank details so I can start my payments to them asap?

 

Thanks

 

Lucy

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ydaniel....if your bank cancelled the DD by mistake then you should go and see them and ask them to pay the charges.....

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

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IMPORTANT - If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.

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I expect mine next week then! :)

 

I must say i am shocked about the email though :eek: thought it'd of been sent in the post!

 

You will get a letter in the post too ;)

 

Clarity I have to say were really easy to negotiate with. Payment plan set up for 3 months, to be reviewed but if my payments are not missed, will be continued.

 

I am able to pay by SO and on a day that I want.

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Hi,

I am just starting this process with Pounds till payday myself (I just sent the letters off yesterday)! Could someone message me their bank details so I can start my payments to them asap?

 

Thanks

 

Lucy

 

 

You'd be very lucky to get their back details. In fact I don't know of anyone that has managed to :(

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Hi guys, well actually, before my account went into default I printed off the following details from the PTP website:

 

Deposit Funds – Direct Bank Transfer

 

Bank Transfer Information for deposits

 

You may pay deposit of funds into our account via a bank transfer. Your reference number ensures that your payment is allocated correctly. Please quote this reference number to your bank when requesting the transfer.

 

Any fee charged is based on the amount charged by our bank and payment service provider. Please note that we will pass on any extra cost should the payment be a non local payment.

 

IMPORTANT: NO CHEQUES or 3rd PARTY PAYMENTS. We will reject all cheque deposits made to that account. To pay by cheque, please refer to the relevant page of payment methods.

 

Bank: Barclays Bank PLC

Account Number: 10849189

Bank Code: 203647

Account Name: Pacific Network Services (Europe) Ltd

This information was on the website, i found it by logging in and then clicking on "Update Info" then "Link to Giro Payment Form"

 

Hope this helps.

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I am so pleased about this the sun told me it was only going to be a small article but hooray they are named and shamed, I am proud to say it is me, I gave them all the info they needed and even told them to go on this web site to see how other people are suffering in their hands. We can win.

 

Mashmallow

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I think it is great that they have been named and shamed, along with a few other companies (Quick Quid etc etc). Shall mention that in my next email to them, ask them to comment on the recent publicity hahahaha.... me too... i'll be watching it too

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I think it is great that they have been named and shamed, along with a few other companies (Quick Quid etc etc). Shall mention that in my next email to them, ask them to comment on the recent publicity hahahaha.... me too... i'll be watching it too

 

Your loving your battle with them aren't you?!?!?! :-D I so wish you'd have had Gavin, think you'd have relished in dealing with him :)

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I just had Payday Express chasing me for my payment they have slapped £105.00 interest in a matter of 12 days. I told him he was only going to get what I actually had and not a penney more i also told him to watch Channel 4, Payday Express in on my computer when they shot the photgraph, so yes I am loving it. He gave me their bank details so I can pay by SO and said he would see what he could do about the extra charges. There will be a lot of toilet rolls on sale now.

 

Regards,

 

 

Mashmallow

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I am actually pleasantly surprised after a week of emailing saying I wanted all communication in writing as I had recently been discharged from hospital and getting that silly reply

 

Dear

Thank you for your e-mail.

Kindly note that queries would be forwarded to Payment services and they can only be contacted via phone.

Please contact our Payment Services Department on 08000 32 76 53 at your earliest convenience to arrange payment. Their hours of operation are Monday to Friday, 8am to 8pm.

Kindly note that Payment Services are only available via phone and would not be able to answer queries via email.

Thank you for choosing PoundsTillPayday.co.uk

Kind regards

Justine

Customer Care Representative

 

I received this

 

We have confirmed that you are dealing with a Debt Management Company. We are happy to deal with them directly from now on.

Sincerely,

Anastacia Bolton

Payment Services Advisor

08000 32 76 53

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What did you say to them to get that response? I am still in the we won't contact you in writing phase! I got a great one from Payday UK essentially saying they would ignore any of my letters and were going to continue to take the money as normal. I think I will be changing the bank my salary goes into :) Sometimes you have to laugh at these people.

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After banging my head on a wall a bit I sent the following email to

 

customer.relations@poundstillpayday.co.uk

 

You are now in breach of the terms and conditions of the loan agreement which states

5. The credit agreement and broker agreement and all other communications between the parties are to be provided by way of electronic means (except where provided otherwise by any statutory provision). By signing the credit agreement and the broker agreement you agree to a. receive all communications from the creditor and broker and to send all communications to them by electronic mail at the e mail addresses notified.

You are also bound by English law as stated in the terms and conditions

I will repeat for the fifth time why I would prefer communication either in writing by email Or letter

I would prefer not to communicate by phone as I have recently been discharged from Hospital. I had been admitted to hospital with severe chest pain, this may have been bought on due to Anxiety. I generally find letter and email a less stressful mode of communication. I cannot Understand why you are being so unco-operative.

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I have worked in sub prime lending for a number of years and my best advice for anyone that owes money to these 'Cash till payday' places is - don't bother to pay them back. They don't credit search you so therefore cannot put anything onto your credit file. Check your credit history and you'll see that I'm right. Most of them are based outside of the UK and after a few emails, letters or phone calls they leave you alone.

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This is getting annoying, haven't heard a thing from them since my last email hehehe, not that I gave them an option really, my last email was like "either we arrange a payment plan amongst ourselves or else pass this onto Clarity please and Thank You"

 

Although after Helon's comments i'm wondering now. Care to elaborate some more Helon? :-) Thanks

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Well I've been emailing them for about 2 weeks now most days and they refuse to set up a payment plan. I've just got another email from them today reminding me their payement is due. Payday is Friday so I'll see hat happens then.

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If you check your credit history - it costs £2 to check it online - you will see they do not search your credit history, therefore they have no rights to marking your credit history. They won't take you to court either - it's not worth their while doing so.....they have not acted as 'responsible lenders' so therefore are on shaky ground. So - what can they do to you? Nothing. Cancel any direct debits to them, change your bank card and don't bother paying them. And ignore them.

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Got an email today! From PTP, it is the first i've had and it goes like this:-

 

We are in receipt of your e-mail sent in on November 4th, 2009. Please be advised that we have ceased all collection activities and all communication by telephone while this account is under investigation. We have attached a copy of your loan agreement for you to understand the terms of your loan. We are prepared to offer a repayment arrangement in the amount of three (3) equal payments of £112.00 and one (1)

final payment of £112.94 as payment in full of your outstanding loan. This represents the £448.94 balance on your current outstanding loan. Once payment has been received, we will consider this account paid in full with no further obligation. We hope you are satisfied with this resolution and please be advised that we will be unable to offer you our services in the future.

 

The payments can be made via Western Union or Money Gram, and should be received by April 28th, 2010. We have included the payment information below for your reference. Alternatively, you may send your payment to the Northway

Financial Corporation Ltd. address listed above.

MoneyGram Express Payment Western Union Quick Collect

Ask for: Send Form for Person to Person Ask for: Green Form (TO SEND MONEY)

Pay To: Lyn Gaskell - C/O Northway Financial Receiver: Lyn Gaskell - C/O Northway Financial

Account #: XXXX Country: Malta

City: Sliema Ref #: XXXX

Country: Malta

Should you have any further questions, please feel free to contact our office with the information provided below.

Sincerely:

Customer Support Department

Fax: 44 800 471 5229

Email: supportresponse@poundstillpayday.co.uk

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Lucy - I had the same thing 3 days before as I cancelled my direct debit and they rang me so I told them I couldn't afford to pay them. Now the debit is near on £600, had one phonecall from them since 1st dec and they haven't even contacted me by phone or email....

 

I am now waiting for this to be passed over to Clarity, in which I am pretty sure they do? Don't they?

 

I have opened another bank account with someone else, but I am worried they may find this out and try to attempt to take money from that account, as my benefit's are being paid into that new one, can they do this if they was to search your credit file?

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Hi Guys,

 

I defaulted a payment with Pounds til payday on Friday. It was for £519.00, how long do people think it will be before I start receiving the delude of phone calls from them?

 

I am off work at the minute, and not back until 4th Jan, so I really dont want them ringing up work when I am not in.

 

I can afford to pay it back on the 24/01, what would peoples advice before on how to approach this.

 

Should I contact them by phone or email?

 

Cheers

 

Willo

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If you can pay it and it doesnt leave you short then thats great, but if you think that you will need to re loan then just default, cancel your card, change bank , also send letter to your bak stating that under no circumstances are these ppl to take any money from your account. make sure no money in that account so they cant take it, send them an email ( do not call) saying that you cannot afford to pay it back and could you set up a repayment, dont call them and dont take their calls, they are rude and bullies.

 

read all the advice on here, these guys are great and have really helped me.

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