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Help please

im in a hole with ptp and i cant get out of the spiral im recovering from a nervous breakdown and this is all a little too much for me to bear:confused: i cant afford to keep renewing the loan but have no option i dont know what to say to them and am petrified of answering the phone what do i say in the email i send them? i have finaly got the courage to cancel the DD although i think i may have been too late as its due the 31st and thats new years eve, i cancelled this evening please advise me what to do from now on as regards these snakes?

kind regards

Sleepy

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I cancelled my DD with PDP on xmas eve (my hubby was informed xmas eve that he was being paid off and possibly won't be paid this month!!) I telephoned my bank to double check that the DD was not going to be paid and they confirmed that. I get paid on 31st but will need to pay essentials such as mortgage, council tax etc

 

I sent a polite email to PTP informing them of the situation and offered to send income/outgoings details. All i recieved was an email asking me to call customer payment services are they are only available by phone (i had asked in the email for contact in writing or email only). needless to say I have declined to call them back....and don't intend to.

 

I have been on this 'merry? go round' for nearly a year due to hubby being in and out of work and i really need to get off it now!

 

Have been inspired by everyone else who have grabbed this bull by the horns and will be watching you all with interest.

 

Happy PTP free new year to you all x

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Help please

im in a hole with ptp and i cant get out of the spiral im recovering from a nervous breakdown and this is all a little too much for me to bear:confused: i cant afford to keep renewing the loan but have no option i dont know what to say to them and am petrified of answering the phone what do i say in the email i send them? i have finaly got the courage to cancel the DD although i think i may have been too late as its due the 31st and thats new years eve, i cancelled this evening please advise me what to do from now on as regards these snakes?

kind regards

Sleepy

 

Hi Sleepy

 

have a good look at this thread and some of the others in this forum. It will give you some ideas. If you need further advice set up your own thread and I am sure you will get lots of advice. In a nutshell PTP after being horrible (nothing they can do!) pass to Clarity who are easy to deal with.

 

Good luck

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Help please

im in a hole with ptp and i cant get out of the spiral im recovering from a nervous breakdown and this is all a little too much for me to bear:confused: i cant afford to keep renewing the loan but have no option i dont know what to say to them and am petrified of answering the phone what do i say in the email i send them? i have finaly got the courage to cancel the DD although i think i may have been too late as its due the 31st and thats new years eve, i cancelled this evening please advise me what to do from now on as regards these snakes?

kind regards

Sleepy

 

Hi sleepy. How did you get on with your cancelled DD? Had you managed to cancel it on time?

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Hi Guys,

 

I defaulted on the 18/12 with PTP and I am yet to have any phone calls. I have received one email and one text message.

 

Do you think this is strange?

 

Hope I am not tempting faith with this one. I just want it to time-out and get sent to the DCA, so I can then commence making some payments.

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They will soon contact you I think these companies are getting the message, I just told WDA to get stuffed they threatned with taking payments from my wages and passed me on to their litigation dept, I replied "go and litigate up your a--e". No reply as yet. Don't worry about these clowns make them an offer on your terms.

 

Regards,

 

Mashmallow

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why do you people borrow money and then not pay it back, you all read the contract and sign it (or is the contract in another language?). I also believe alot of the advice on here is a bit dodgy....these companies will get there money. Anyway you have to look at the long term- you screw them now- they'll screw you, but you'll pay later when you cant get a mortgage or credit.

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What the hell are you talking about, I so wish you one day fall into the difficuties alot of people are experiencing on here. If you dont need help the P**s Off. This is peoples life and they wouldnt be on here if they didnt want to sort things out would they. you are definately lost in space son!

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I've reported lostinspace1000 as they clearly are missing the point of the forum, that we are NOT advocating debt advoidance but getting people off the 'reloan' bandwagon.

 

Getting more credit is NOT what our posters want, nor need, what they are trying to do with this type of loan is get back onto the straight and narrow without having to rely on the credit bandwagon.

 

As the whole mortgage market still seems closed to all but the very wealthy or cash rich it seems pointless to even allow a loan of under £1000 to damage long term prospects, where is the logical sense in that?

  • Haha 1

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Lostinspace,

 

You certainly need to be lost in space, we are all here on this forum because we all have difficulties of some sort. Why are you on here? These companies such as PTP are banned from Canada, and in some states of America, the Ministers are getting involved now to stop these rouge traders praying on the vunerable. You obviously don't need help because you are financiallly stable. You do need mental help I think.

 

Regards,

 

 

Mashmallow

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hi all

New to these payday loans. Just cancelled dd to paydayloans and got confirmation from my bank that it has been cancelled-however my bank has informed me that these companies CAN try and take money from your account using card details?? OMG...now what to do..I am paid on Friday and CANNOT afford for them to take any money from my account as I have been relocated to another job with a lot less hours, if they take money out of my account I won't be able to pay my rent, council tax etc....help please..I cant cancel my card as the bank said that the details can be transferred to a new card?? Desperate for some help and advice please.

Thank you

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I think Lost in Space suffers from Bi-polar. As reading their previous posts they have been in the same position as the people she has attacked, which makes them nothing short of a complete and utter hypocrite.

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Sugerbabe,

 

If you cancel your card you will be issued a new card which will have different details such as security details,valid/expiry date and the long card number. There is no way that a company would be able to second guess this or be able to get this number based on your old card details.

 

You should ensure you have cancelled all DD with your bank, it is illegal for a firm to set-up a new DD mandate without your consent.

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Thanks Willo- I NEED to get to my bank at w/end to draw my salary out to pay rent/bills etc b4 I can cancel card. Just worried in case they try and take from my account like the bank told me they could!!! even tho I HAVE cancelled dd. Oh well keeping fingers crossed that I can sort this out - it is a a worry...lesson well and truly learned. Grrrr......so mad at myself for falling into their trap! :mad:

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Hi sleepy. How did you get on with your cancelled DD? Had you managed to cancel it on time?

hi fairclaire,

have cancelled dd, and have got new card hmmm the phones ringing off the hook and now i am getting texts etc from gavin armstrong! joy! there charging me £59 for default am panicking and have sent plz only contact me via letter email request but my phone is constant i dont take the calls but they leave voicemails and send me texts (maybe this is there get around sending me texts)? i dont know where to turn now to be frank i had to have doc out as i had a panick attack and im just so scared especcially its from gavin armstrong ive read so many bad scary things about his manner and they way he deals with people :shock: kind regards sleepy x

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Hi Sleepydragon,

 

When did you officially default your loan with PTP?

 

I defaulted mine on the 18/12 and since sending them an email on the 23/12 stating I would only accept written communication and stating this was my legal right,I have only had 1 text message one email. My account manager is David Robison though.

 

I have heard that Gavin and Gerry are complete and utter idiots. I would try sending the harrassment letter again and make sure you copy in the customer care team.

 

Keep us updated.

 

W

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Take any voicemails Gavin leaves you to your local police station and say they are contributing to your panic attacks... they are completely unreasonable and cannot be allowed to continue harrassing customers who do want to pay them back, but not the £59 charge which is daylight robbery AND the rollover fee on top of the original loan.

 

As soon as possible get another bank account, Halifax have a good online one with debit card and online banking. Get your wages paid into this next month then you have some breathing space. It is the only way to guarantee you will have money for your PRIORITY bills.

 

Come back on here if you have any more hassle and we will advise accordingly.

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willy53 or is it willy69. do you know what bi polar is?

 

I think schizophrenic may be a better phrase - you recently posted about your own debt with a logbook loan - below

 

foolishly i took out a loan with loan shark loans opps logbook loans. ive been paying almost 12 months and still have 6 more to go. my initial loan was 500 pound and i was quoted a settlement figure of 700...what the hell ? this company seem to have excessively been charging me, phone calls letters, almost 3 charges a week and each one is 12pound (my loan repayment is approx 22 a week). is there a limitation on the number of charges you can receive in a week.

its worked out ive paid 1144 so far and still owe 572, these figures are probably without charges added on. my settlement figure which is valid for 7 days is 700...so i really dont know the true figure... seems a bit suspect!!

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Can we please stop the insults...this does nothing to help anybody.


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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Lost In Space - I would have given you a definition of Bi-Polar but seeing that you cannot even read basic spellings such as usernames, I feel this is the least of your priorities.

 

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