Katie-Lou v Pounds till Payday

[katie-lou]

OK my fiancee got a payday loan from these idiots and i told her not to and on reading everyone's problems i wish she had listened to me.......... The problem started when she asked them why their was no Direct Debit set up and should she do anything to set it up on which they replied and said no. She also had a chat with one of the staff online and she has printed the conversation out. then a few days passed and we got call after call from them being nasty saying she had cancelled the DDebit and she had to pay their and then by card. So our Katie told them she was not willing to pay over the phone and for them to do it the proper way by direct debit. We also phoned the bank up and they said nothing had been set up. Today we have received a phone call off them to which they told Katie they have just spoken to her employer and that they have tried numerous times to get hold of us which is not true, and that from today they are gonna keep phoning us every day and her employer until its paid. I told Katie to ask them to pass it on to clerity which she did only to get a smug answer which was we will hold onto your account and you will be getting a call every day. shocking this as they are anything but polite. is their anything we can do??

 

 

Thanks

Edited June 12, 2009 by katie-lou

[bailey49]

Hi

 

I too have had problems with then only yesterday, firstly inform them if they continue to telephone call you they are breaching the harrassment act (sorry dont know any details but am sure you will find details on this site) and that they are breaching the data protection act by contacting the employer without your permission (again sorry dont have any details), i stupidly got involved with them also, and unfortunately was admitted to hospital and could not repay the full amount this month, I spoke to the payments department and got a really rude guy who reluctantly agreed to take half this month and half next month, I cancelled my Direct Debit and agreed to pay by debit card, unfortunately am waiting for a replacement card from my bank which had not arrived yesterday when payment was due I called them to explain and got through to another very rude guy, I explained that I was not prepared to listen to his intimidating and threatning tactics and put the phone down. I then sent a lengthy email of complaint to Northway Financial who are part of PTPD and received a call this afternoon from their customer relations department apologising for there agents behaviour and will be assigning me a new account manager to deal with the oustanding amount, It might be worth a try to complain by email as the more complaints they have then they might have to do something about the harrassment and intimidating tactics that they use at present, I hope this is of some help and hope you can work things out

 

regards

[Ell-enn]

To be honest - I wouldn't give them your new card number! there's a fair chance they'll empty your bank account. These payday loan companies have systems which apply for payment every day until they strike it lucky and hit on the day money is paid into your bank !!

 

Ask them for their bank details and then make payment via your bank - if you have online banking it will be even easier.

[bailey49]

ok thank you for that I will do

[katie-lou]

Thanks for that should we let them pass the account as they seem really reluctant to do this? and do you have the email address to send the complaints letter to.

 

Thanks

[bailey49]

no problems just google northway financial coporation and it will give you email address I would ask them to pass the account as from what I have read on here clarity seem to be okay just don't let PTPD intimidate or bully and let them know you will be passing a complaint to trading standard and office of fair traiding they dont like that hope this helps

[robjam1969]

Katie Lou - definately let them pass to Clarity. They are quite fair by DCA standards and generally accept low monthly payments. No point in negotiating with PTP themselves.

 

Good luck

[katie-lou]

Thank you.

[katie-lou]

is this the right email and address?

 

Northway Financial Corporation Ltd.

Level 8, Plaza Commercial Centre

Bisazza Street

Sliema SLM15

Malta (European Union)

Phone: +356 22 606 800

Fax: +356 21 322 461

E-mail: [email protected]

[robjam1969]

Looks like the right one. However I personally wouldn't contact them. They will pass to Clarity in their own sweet time.

[katie-lou]

what should i do just refuse to speak to them and refuse to ask any security questions?

[robjam1969]

Just tell them you are having difficulties and can't pay- they will soon give up. They are only allowed to keep for a month, then it goes to clarity. Your idea will probably work just as well

Enjoy your weekend

[katie-lou]

Hiya people i have just found the contracted my fiancee signed....... well when i say signed she only put her first name and second name and this was done on the computer no pens involved. I have edited the agreement by way of taking her second name out and our address could someone have a look through it and see were we stand, that would be great if you could. Also check all the spelling mistakes and grammar out. I know my grammar and spelling mistakes are bad but i have a reason, these people don't they are supposed to be a professional company

1PTPD AGREEMENT.doc

[robjam1969]

Legally an electronic signature is acceptable albeit the legality of the whole contract is probably debatable. I doubt PTP would want to discuss with you in court. They would have to justify their charges.

 

I must admit I was happy to pay but in my own time. The enforcability of the contract itself is not an area of my expertise but there are plenty of Caggers who will be able to help you if you want to follow this through.

[katie-lou]

we to want to pay the money back as you do and in our own time however we were going to pay in full until we were called liars literally down the phone my fiancee was called a lier so now they can wait for their money. On the contract side what i forgot to explain was i would like some advice on the phone calls and them contacting my fiancee work as and when they next contact her i can take they phone and dish out the good news as to what laws they are breaking and see what they have to say about it.

[robjam1969]

These monkeys are normally based in Malta or Ireland and will routinely try and abuse you to get you to pay up. You could quote the OFT and their guidelines for debt collection, basically they are not allowed to cause emarrassment or harass you. Because they are not UK based they think they are not subject to our laws etc. There is a harrassment letter in the template library you can use to send to them if you wish.

 

I would refuse to talk to them and wait for them to pass on. There is nothing they can do. To be honest I wouldn't have paid them if they called me a liar as well!