Jump to content


  • Tweets

  • Posts

    • Amex as with any creditor must help you the FOS should go with you and make them remove all interest charged from the very 1st time of asking for help. the FCA regulations actually almost dictate it, they most certainly clearly state that if the are FCA registered they must help.   it's very telling they have no marked your credit file....almost as if they know they are wrong. it's also telling that an irresponsible lending complaint might well be in order hear too, they can just keep upping the credit limit without checking you can pay. and ofcourse covid plays its part here and they've already admitted as they allowed payments holidays until october in line with the rest of the industry and they should be continuing that. you problem is you keep using the phone, no paperwork no record of things discussed. i'd get an SAR off to them. and get the comms/account log and all the statements from day one and go nail them.
    • Hello CAG, Bit of a long post, may want to get a cuppa before starting reading... 😁   after being a lurker for many years and trying never to get into a mess with credit cards like i did 20 years ago, i've got myself into a mess with Amex... I've tried being open and honest with them, but now getting the feeling they are messing me around.    Its not a chargecard, but a Nectar Credit Card with them. TAKEN out 2016. Balance is just under £15k as of today, was almost at £17k.  Debt still owed by Amex, not been sent to NCO/Arrow etc - YET...    Background (short version): Was all fine with more than min. payment (£500 or so), being made until April 2020 when a number of things reduced my monthly salary from work (mainly, take a pay cut or be made redundant), so I soon quickly realised i needed to tighten my belt quickly. Phoned Amex, advisor said nothing they could do except Payment Holiday. Was put onto that for 3 months, told that Amex will be in touch at the end to restart payments. I asked about interest being stopped/frozen/reduced - not possible. So agreed to payment holiday to give me breathing space. 3 months came and went, no contact from Amex... No payments made, interest still racking up at around £300 a month...    Rang Amex back (July 2020), we cant do anything today because your in the middle of the statement cycle call back next week. Called back week after, no solution yet (i asked about things i seen on Amex US website = Regain program - basically freeze card, lower interest rate and pay a set amount for 12 months - more about this later) > Not available in UK yet.   Want to stay on payment holiday Mister B? I asked if there was any way interest could be stopped as this is making the balance increase and increase. No. Do you want to stay on Payment Holiday? Ok. (Bear in mind, if i came off Payment holiday. Minimum Payment was around £570 per month.  So, stayed on payment holiday... Didnt hear anything from Amex again. Called back up in September 2020. Please call back in October after 10th and we can assist.   Called back after October 10, went through loads of stuff, different options etc, was warned that Payment Holiday might not be extended much longer, but now have a program. Worked out with Amex woman that i could pay around £200 per month. But please stop interest - no we cant but we can reduce this down to 9.9APR instead of 23%... . Amex woman said she needed to submit details to 'Seniors' at Amex, please call back next week for update.   Called back week after, advised that first Amex woman was wrong and had made mistakes, shouldn't have told me what she had told me, £200 is too low, minimum would be £389 per month for 12 months or account will default. Told Amex woman 2 that couldn't afford it, went through this last time, etc etc. Amex woman 2 went off, came back, £329.74 is minimum they can possibly accept, 12 months at that amount per month and interest would be lowered, but not stopped. If you dont take out this 'Program' then account will default and will be passed to NCO or Arrow (I hate them both).  Went off, tried to get loans etc, all refused. Rang Amex back, reluctantly agreed so i can keep credit rating at 'good'.  So, been paying since Nov 2021 @ £329.74.    Letter arrived in December - due to out mess up with moving accounts around whilst on payment holiday, we are going to give you £3074 back. Logged into account, only £30.74 refunded, not £3074. Phoned Amex cos thought it was a joke/mistake - Spoke to some bloke - Oh dont worry, the rest will be applied to account automatically in 7 days. he advised was genuine but then got cut off during call. Called back, spoke to some other bloke, yes, looks genuine but please hold... Came back 10 minutes later. Oh, its a mis-print, you are not the only customer to receive one of these. Each should have been £30.74 not £3074. Me = Gutted.    Wrote a letter to Amex saying how dissatisfied i was with general customer service and felt they were incompetent, blah blah etc. Final response received, Complaint partially upheld, heres £150 credit because we were a bit silly, but thats it. IF your still not happy, go to FOS. Opened a case with FOS... Have sent them the complaint letter to them and have had a call from them about this... FOS are backlogged though and will take another 3 months for complaint to be looked at by them.   Let me make this 100% clear, fully admit to owning the debt, yep, ive spent this money (wish I knew what on, cos having got much to show from it - just general stuff and holidays)... Not trying to shirk out of it, trying my best to keep up with re-payments but im really struggling. After I got paid on 1st April, after paying all outgoings i had £9.83 left in current account so am having to go into overdraft each month which is just a vicious circle.  I would really like to NOT have to down the default route and trash my credit rating and then have to deal with the morons at NCO / Arrow etc.    Meanwhile, this is where I need the advice of the CAG experts... - Credit Limit increases... These were coming every few months and it was just being upped and upped and upped. Credit limit eventually was stopped at £15,400. Some of the increases I never even received letter for, just noticed when I logged into account. >>>> Would this be a case for irresponsible lending?   - Stopping interest - I've read something on FCA site that they recommend (not policy) that if a customer is put onto a payment holiday then they recommend freezing interest for customer so the debt doesn't continue to build. I've asked time and time again, Amex just refuse.  >>>> Any tips on how to get Amex to play ball?    - Full & Final/Short settlement I've rung Amex today, told them I might be able to pay it off. Initially they said full balance, i then pushed, they then said they would accept 80% of balance, pushed them a bit more, got it down to 70%. >>> Surprised, and then very surprised they would accept 70%, anyone else think this is a bit odd? Normally they wont budge, or they wont budge from their first offer... Could their be something wrong on account (missing CCA etc?), or do they want rid of me and account as much as I do with them?   - Cant really keep going at these £329.74 repayments. Something is going to have to give somewhere. I believe they wont go any lower and they will just default it i send £100 instead of £329 and send it out to NCO/Arrow. This might not be a too bad thing though because this would stop the interest right? Anyone thoughts on this?    Anyone think of anything else I could try with them? Again, its still with Amex, not defaulted or anything yet, yep, its all my own fault, i've spent the money, dont deny that, just feel Amex have took advantage etc.   Many thanks for reading. Any advice is greatly appreciated.   Kr, Mista B.     
    • Ok so we have complained to HMRC but were still no further forward with getting the P45/P60. We need this as DVLA has said they need more proof of who he is before giving him a provisional license.  What more can l do. 
    • Hi All   just looking for some advice. I bought a used Porsche Boxster from one of Marshall motor group’s Audi dealers (can I name them?) recently and was assured that it received a major service in October 2020 in line with the manufacturers requirements. The service book confirms this. The dealer also told me on the phone that they have a 6 month rule with any mot or service being done if due within this period which assured me when making an offer over the phone on the car that it wouldn’t need anything doing for a while as I recall saying that.   However, digging through the receipts post delivery I saw that the service was in fact minor and after calling the specialist who serviced it in Oct both they (Sheepishly) and the invoice confirmed that the car did not receive new spark plugs, an air filter, brake fluid replacement or a new fan belt which have now all fallen due and hence the major service due warning light. Had I not investigated this then the car would have potentially gone another 4 years, so 8 in total without some of these items being done.   i emailed the salesman to ask what they would propose to do. The matter is complicated by my living 450 miles away in Scotland, and 200 from their nearest branch, a Mercedes dealer in the Lake District, so I suggested getting my cheapest local specialist to do the works that have fallen due, however I have received no response.   Whilst I am still within my 30 days i don’t want to reject the car, which is otherwise perfect, but the fact remains that the Audi 150 point check only asks for upcoming mot’s to be checked and not services and surely you wouldn’t buy an approved used car and expect to have the service light come on 2 weeks later and have to spend almost £500 putting it right.   i would really appreciate some advice on next steps and perhaps who to escalate this to. Meantime the car is booked in for 2 weeks time to get the work done at the cheapest reputable place I could find.   Many, many thanks in advance
  • Recommended Topics

  • Our picks

    • Ebay Packlink and Hermes - destroyed item as it was "damaged". https://www.consumeractiongroup.co.uk/topic/430396-ebay-packlink-and-hermes-destroyed-item-as-it-was-damaged/&do=findComment&comment=5087347
      • 32 replies
    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
        • Haha
        • Like
    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
  • Recommended Topics

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3084 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi Everyone

 

Im completely new to this site but I am so glad I have found it and know I am not on my own!!

 

I have 3 payday loans and have fallen in to the same trap as many others so I have been having to reloan every month. I am at the point where I cannot keep my head above water and am sinking fast.

 

I owe:

PTP £450

Payday UK £540

Uncle Bucks £350

 

+ any interest.

 

I have decided that it is time to put a stop to this constant worrying as it is starting to make me ill and miserable and I dread each payday and the struggle that follows. It's just one big vicious cricle.

 

I know a number of people have decided to make a stand and stop paying the full amount every month and have attempted to make payment arrangements and was hoping that you could point me in the right direction. There are a number of abbreviations used that I am struggling to follow and would be really grateful of an idiots guide on how I start to approach this and where I can get letter templates to send to these companies.

 

Many thanks in advance

Link to post
Share on other sites
  • Replies 257
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Hi Meggie-Moo.....cancel your direct debits with the bank immediately, also cancel your debit card (tell the bank it has been stolen).

 

Email the companies in question, advise them of your situation and make a payment offer - ask for all correspondance to be kept in writing and ask them to remove all telephone numbers from their system.

 

You will feel so much better knowing that you are in control of the situation rather than the other way round.

 

I only had one with PTP but i feel so much better now knowing my wage is mine.

 

I am still battling with PTP but all phone contact stopped as soon as i emailed and from reaidng other threads they appeared to be the worst.

 

Good luck and there will always be support on here! :)

Link to post
Share on other sites

can someone please help me,stupidly i got a payday loan with payday express for 400 inc 100 interest.total 500.but unfortunatly they are wanting payment on 31st december,which am afraid to say i just havent got the money to pay.am barely coping with christmas as it is with family and everything.thats why i stupidly used these people.i emailed them 3 times to try and sort something out,and tell them that 500 will not be in my acc if they try and take it out on that dat.and could i either extend like it says you can on the website.or come up wih a payment plan.however they never replied to 3 emails i sent to them,and i hate ringing these companies,as they always put words into your mouths dont they?anyway i had too earlier to try and get an answer.anway in the end she just said i would still have to pay the amount on the date i agreed to pay.i said what if when you try and take the cash out,theres no money in there.like there wont be,she said we will just keep trying.what do i do people?i do want to pay this off,as i know its my fault for getting it.but i just havent the money now to pay it.and am worrying myself to death.please anyone give me advice and help me i beg.:o

Link to post
Share on other sites

Read my post above - it explains exactly what to do. First off don't panic - you're in control! Ring your bank and cancel the direct debit, also ring them and advise them that your card has been stolen.

 

One that's been done, write /email them and advise them - explain your situation and make your offer of payment, on this correspondance also tell them that you require all correspondance to be in writing and that you will not be discussing the matter over the phone.

 

Don't stress! I was the same but felt so liberated when pay day came around and i had control.

 

:)

Link to post
Share on other sites

Hiya...thanks so much for replying back to my posting,the payday loan company i got the loan with is with payday express.i wanted to just keep to emails with them,but they never seemed to reply to the 3 emails that i started to send as from yesterday.and i wanted to get it sorted before christmas and before they wanted to try and take the money out 31st december.as it just wouldnt be in there to take out,as i am totally skint.thankyou so much for your help.why did they say to me on the phone that they would still have to take the money on 31st when it clearly states on the website anyway that you can extend these loans.so from now on i only email them,and ask them like i already have if they will accept a payment plan do you think?thankyou for caring and taking the time,i feel so alone

Link to post
Share on other sites
can someone please help me,stupidly i got a payday loan with payday express for 400 inc 100 interest.total 500.but unfortunatly they are wanting payment on 31st december,which am afraid to say i just havent got the money to pay.am barely coping with christmas as it is with family and everything.thats why i stupidly used these people.i emailed them 3 times to try and sort something out,and tell them that 500 will not be in my acc if they try and take it out on that dat.and could i either extend like it says you can on the website.or come up wih a payment plan.however they never replied to 3 emails i sent to them,and i hate ringing these companies,as they always put words into your mouths dont they?anyway i had too earlier to try and get an answer.anway in the end she just said i would still have to pay the amount on the date i agreed to pay.i said what if when you try and take the cash out,theres no money in there.like there wont be,she said we will just keep trying.what do i do people?i do want to pay this off,as i know its my fault for getting it.but i just havent the money now to pay it.and am worrying myself to death.please anyone give me advice and help me i beg.:o

 

 

^^^^ Exactly what Looby said ^^^^^ :D

 

Seriously, don't panic. It's no big deal really - I had several of these loans, and it took me a year, but I got them all paid off, nobody came banging on my door, nobody took me to court and I came out of it a much wiser person, lol.

 

Get the card and direct debit cancelled first, then keep us updated - we'll help you with whatever happens next (which will probably be some annoying phone calls, but I don't imagine even this lot work over Christmas, so relax and enjoy the holiday).

Link to post
Share on other sites
Hiya...thanks so much for replying back to my posting,the payday loan company i got the loan with is with payday express.i wanted to just keep to emails with them,but they never seemed to reply to the 3 emails that i started to send as from yesterday.and i wanted to get it sorted before christmas and before they wanted to try and take the money out 31st december.as it just wouldnt be in there to take out,as i am totally skint.thankyou so much for your help.why did they say to me on the phone that they would still have to take the money on 31st when it clearly states on the website anyway that you can extend these loans.so from now on i only email them,and ask them like i already have if they will accept a payment plan do you think?thankyou for caring and taking the time,i feel so alone

 

Please don't extend the loan. You'll never escape. ;)

 

Yes, just email them with the payment plan (make sure it's realistic and that you're able to stick to it. If you can't afford to pay ANYTHING until the January payday, tell them so). If they don't reply, email it to them next week, NOTING ON THE EMAIL YOU SEND that they haven't replied to your last email. Email them the offer once a week, every week until you

 

a) Get a response or

b) They get shut down by the Government for money lending (I know, I know, but it's my Christmas wish!! :p)

 

Save all your emails and keep printouts.

 

In the New Year, open a new bank account to protect your income. For goodness sake, don't re-loan, or extend it. It's a killer trap to get into.

Link to post
Share on other sites

:)thankyou so very much for caring and giving me such good advice,ave just emailed them again.told them i only want to deal with emails from now on,and told them that i would like to set a payment plan each month at the end of the month with how much ave told them.ave told them that if they try taking the money out of my acc on 31st december,they just wont be successful.so this would be a better plan for both of us,at least then it gets paid each month.hopefully they will email me back,but i am not ringing them back again from now on.emails only for them.if they dont get back in touch with me,then i will email again next week.and again until they email me back.at least am making the effort hey.we all learn in life dont we?but i guess i just feel so scared and stupid too.i just want to have a decent christmas with my family without this on my mind too.happy christmas to you all too.annie x

Link to post
Share on other sites
:)thankyou so very much for caring and giving me such good advice,ave just emailed them again.told them i only want to deal with emails from now on,and told them that i would like to set a payment plan each month at the end of the month with how much ave told them.ave told them that if they try taking the money out of my acc on 31st december,they just wont be successful.so this would be a better plan for both of us,at least then it gets paid each month.hopefully they will email me back,but i am not ringing them back again from now on.emails only for them.if they dont get back in touch with me,then i will email again next week.and again until they email me back.at least am making the effort hey.we all learn in life dont we?but i guess i just feel so scared and stupid too.i just want to have a decent christmas with my family without this on my mind too.happy christmas to you all too.annie x

 

There's loads of people on here who've had MULTIPLE loans with payday lenders (myself included!), so you can probably stop feeling stupid now. There's also no reason to be scared. It's only money, they print more of it every day, as someone once said to me. :D

 

Relax, enjoy Christmas with your family and look forward to sorting this out in the new year. ;)

Link to post
Share on other sites
Guest sheerdrop

when people advise changing bank accounts is this neccesary? i.e. would cancelling the direct debit and advising card is stolen not be enough? I would be surprised if a bank would allow an unauthorised deposit from your account.

Link to post
Share on other sites

Sadly no, you need to change bank accounts as the company have your bank details and will 'dip into' your account from time to time to see if there are any funds, and take the lot... it has happened even when cards have been cancelled so getting your salary paid into another account puts you back in the driving seat.

Link to post
Share on other sites

I really would advise you to cancel the debit card so they can't take payment- these companies won't set up a plan until you have defaulted.

i had exactly the same problem with PDEX and after i defaulted i sent them a payment plan offer with income and expenditure all spelt out via my email and said only contact by email to keep my records.

they replied and accepted it to start the following month by standing order. They were very reasonable with me when they saw my income form . don't be worried just cancel your card before the pay day for definate or they will attempt to take it.

if you report your card lost the bank should give you a pin number to draw money without it to drawy money one time until new card arrives.

Good luck you will be fine - i have handled 6 loans this way and all have accepted without harrassment only got quick quid to sort now.

merry christmas :grin:

Link to post
Share on other sites
when people advise changing bank accounts is this neccesary? i.e. would cancelling the direct debit and advising card is stolen not be enough? I would be surprised if a bank would allow an unauthorised deposit from your account.

 

It wasn't neccessary for me, i didn't even cancel my card as i knew 100% i had never given them my card details. That was for a PDL with PTP

Link to post
Share on other sites

Hi Guys,

 

Just got an email from PTP with an default attachment stating that my default sum is £59.00 and the total amount owing is £578. The original loan was only £400 so they are doing well for themselves already.

 

This was from someone called David Robinson, would this be my account manager? I am unsure as on a seperate text message it did say the payment services department, so may not have been passed to an account manager yet.

 

Another email just arrived from them stating I had 5 days to pay up and the default sum would be removed and I could re-loan the very next day, how nice of them!

 

I am right in thinking I should give them the payment plan email ( I propose 2 months payments) and quote that no calls will be accepted and all numbers must be deleted from file?

 

Still have not received a phonecall from them yet and I my loan was due on the 18/12!

 

All advice welcome.

 

Cheers

 

Willo

Link to post
Share on other sites

Sorry if I have butted in, but more people should know how to deal with these vermin breed. I built up my courage from this forum and I thank all the people on here for there support and help, I don't know what would I have done without CAG and the site team. I was in the same boat tearing my hair out every month and getting deeper until I stopped paying all of them. Touch wood they have all agreed to a payment plan they have no choice really. I opened a new bank account and lost my card, because they have been known to reset up DD's and still used your existing card. Yes this should not happen but it has so protect yourself and get your money paid somehwhere else. I even had the pleasure of going on Despatches to prove what these monleys do and how they behave but sadly I only had about 5 mins after 4 hours of recording. Never mind Pay Day Express and the likes of others are a bit more well known thanks to Deaptches and the Sun Newspapers, they all fall into the same category "Sharks".

 

Anyway Don't let them worry you, have a good Christmas on them.

 

Cheers to all.

 

Mashmallow XXXXXXXX

Link to post
Share on other sites

Well said Mashmellow!

 

Sorry to hear you only got 5mins out of the 4 hour recording....At least you got some information over to other people...

 

Good Luck everyone

 

Have a nice christmas and happy new year all x

Link to post
Share on other sites
Sorry if I have butted in, but more people should know how to deal with these vermin breed. I built up my courage from this forum and I thank all the people on here for there support and help, I don't know what would I have done without CAG and the site team. I was in the same boat tearing my hair out every month and getting deeper until I stopped paying all of them. Touch wood they have all agreed to a payment plan they have no choice really. I opened a new bank account and lost my card, because they have been known to reset up DD's and still used your existing card. Yes this should not happen but it has so protect yourself and get your money paid somehwhere else. I even had the pleasure of going on Despatches to prove what these monleys do and how they behave but sadly I only had about 5 mins after 4 hours of recording. Never mind Pay Day Express and the likes of others are a bit more well known thanks to Deaptches and the Sun Newspapers, they all fall into the same category "Sharks".

 

Anyway Don't let them worry you, have a good Christmas on them.

 

Cheers to all.

 

Mashmallow XXXXXXXX

 

 

The more adverse publicity on pay day companies the better :) It is worrying that companies like Quick Quid are now routinely adverising on Sky Sports and probably other channels as well.

Link to post
Share on other sites
Guest sheerdrop

I really dont think changing account should be neccessary, according to the direct debit guarantee you can cancel payment by writing to the bank. I think "dipping into your account" would be verging on theft and the bank would/should be in trouble for allowing this to happen.

 

Due to a small business I run I have many peoples bank accounts, not that would try, but I am sure I cannot just dip into these accounts because I have their details.

Link to post
Share on other sites
I really dont think changing account should be neccessary, according to the direct debit guarantee you can cancel payment by writing to the bank. I think "dipping into your account" would be verging on theft and the bank would/should be in trouble for allowing this to happen.

 

Due to a small business I run I have many peoples bank accounts, not that would try, but I am sure I cannot just dip into these accounts because I have their details.

 

I agree, the problem is that they do.

 

Many of these loans don't set up DDs, but do everything by debit card details and the banking rules for these are slightly different. Trust me..... I've been stung once.

Link to post
Share on other sites
Guest sheerdrop
I agree, the problem is that they do.

 

Many of these loans don't set up DDs, but do everything by debit card details and the banking rules for these are slightly different. Trust me..... I've been stung once.

 

 

sorry I seem as if I am going on too long on this one but, in regards to PTP (which this thread is about) they do set up DD.

All I am saying is for this particular thread, the chances are the folk that use PTP will have issues with credit, so opening a new bank account may not be too easy and I feel saying to these people that they must change their bank account because PTP will take money from their account may cause undue worry (PLEASE THOUGH REPORT YOUR CARD AS STOLEN CAUSE THEY WILL TRY TO TAKE MONEY FROM THIS IF YOU DONT!)

 

Anyways sorry for the rant and MERRY CHRISTMAS :)

Link to post
Share on other sites

Merry Christmas :)

 

I understand what you are saying and I stand corrected over PTP and DD

 

Anyone can open a basic bank account no matter what their credit rating/history is.

 

Maybe PTP are different (although my dealings with them suggest not). I had repayment plans set up with two of these 'companies', who went against the plan and decided to wipe out my bank account. The same has also happened to others on the forum, so please forgive us if at times we are rather 'cynical' over what they will and won't do :(

Link to post
Share on other sites

Quick Update:

 

Dear Willo,

 

Thank you for choosing Northway Broker (trading as Pounds Till Payday) and

Northway Financial Corporation Ltd. for your short term financial needs.

 

The loan issued to you that became repayable in full on 18.12.09 is now in

arrears. We value your business and wish to retain you as a customer.

However, this situation needs to be resolved immediately.

 

We will immediately cease all action against your account upon receiving full

payment of the outstanding balance. Please contact our office immediately to

arrange for full payment so that you can retain your good credit standing with

us. We wish to continue to provide you with all of the services that were

previously available to you as our valued customer.

 

Pounds Till Payday does not offer rollovers or deferals; if payment is not

received in full, your account may be escalated to an external recovery agency,

please refer to the loan agreement you signed when the loan was issued to you.

 

 

 

Sincerely,

 

David Robinson

Account Manager

 

...........................

 

I have already sent them an email stating that I wish for no contact via telephone,strictly written only. I have put forward a proposed 2 month payment plan two pays; one for january and one for February to pay the full balance off. Does anyone have any dealing with Mr David Robinson, I am quite relieved it is not that Maguire fella, but maybe my happiness may be false!

 

Any advice welcome.

Link to post
Share on other sites

yeah email the guy personally, [email protected], add in the correct templates harrasment, and doorstep, copy in customer care, so u know someone recieved it, this "should" as it did in my case... so far...... stop anymore calls(although i sent email umpteen times, the calls only stopped when i copied in the guy that called me and i guessed the email adress!, however looks like it got to himm as i have heard nothing since, granted it is xmas/new year, but it didnt stop them calling christmas eve....then you just wait for clarity...... job done

Link to post
Share on other sites

I have already sent them an email stating that I wish for no contact via telephone,strictly written only. I have put forward a proposed 2 month payment plan two pays; one for january and one for February to pay the full balance off. Does anyone have any dealing with Mr David Robinson, I am quite relieved it is not that Maguire fella, but maybe my happiness may be false!

 

Any advice welcome.

 

 

 

ps, dont bother with two payments stretch it out, they wont record this on any file, and at least your making them wait... id say 20 per month, dont pay 2x large payments, you'll just leave yourself short and possibly risk ending up loaning again, of them or another pday lender... stop the rot, offer them minimul payment and enjoy the new year... remember DONT put yourself under pressure, relax, offer them what you can easily afford, if thats 20 per month then so be it, they cant put u in prison they cant take your possesions they will only try to take your sanity... which only you can give them... so DONT

Link to post
Share on other sites

Thanks Ray,

 

I was thinking they are probably going to refuse the two month payment plan anyway, as they are usually stubborn about receiving the whole amount or nothing. So I was planning just to put the money to one side and if they choose to put it to a DCA them I will re-evaluate it.

 

I have emailed my account manager yesterday with the offer of the payment plan and the letter stating no calls and to deal solely by written correspondence. This may sound a touch premature but I have no phonecalls and just one email fro PTD from a default date of 18/12. I know I will probably get my fair share soon!

 

How long is the general rule of thumb for the timescales that it gets passed to clarity?

 

Cheers Guys,

 

Willo

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...