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    • thanks for the response   The items arrived totally damaged and our customer sent them back and we had to re make all of the items again. This cost was just over £7000. Yes we are on a creidt type account, I asked for the compensation on the problem delivery and they decided to lie and cheat and then close the complaint. we did take photos and so did my customer, DPD said they could not use them as it didnt show enough detail. this again is untrue.    The invoice we are with holding is £530  We had to remake all of the work as mentioned above.    I hope this helps a little more  
    • Hi I use Martin Lewis Credit club and if I click on the defaults they say ‘account settled’ and the dates range from December 17 to Feb 18 under each tab. It also states the name of the new debt owner now and says last updated.    Will that be the default  dates or will I find it elsewhere?         
    • Hi Andy, yes they did + another £600 for flush and repair! I was surprised that they just accepted the FOS terms without a whimper. Cheque received and cashed.     @dx100uk Agreed. I read people having similar issues with getting repairs from ASG, not sure if it was on here or another site but they seem to adopt the same line about it being the customers responsibility to keep their system fresh and clean. My system was powerflushed in 2016 and by 2018 it was similar to having 4 blocked arteries. I have my doubts as to whether it was done.
    • Hi there, so as I write this this has been going on since 2005, basically I got myself into debt when I was younger and couldn’t afford to pay it all back. Lloyds put everything together and it came out over £20,000 this Was passed onto Lloyds debt recovery team in 2005 but I was paying the debt off in small amounts I believe this debt was then passed onto a company called Robinson way in January 2006 where I was paying £130 a month this then changed to debt managers and then onto clarity Lloyds and arrow global have stated that I made no payments between 2005 and 2009 even though I have proof I paid Robinson way! This is where it’s gets complicated my dad was making the Payments from his account to Robinson way. The other issue I had was for from 2015 onwards I also had a problem with passing security and I believed my details were compromised with arrow global, who I found out they had the date of birth of myself the wrong month after contacting Lloyds they stated they had the right date of birth and had it right all the time. It turned out Lloyds were actually incorrect and didn’t have my right date of birth at all and an address I never lived at. So for the last 6 months I have been trying to get hold of Robinson way as they don’t have the correct details for me and I can’t get the information. But here’s the plot twist apparently Arrow managed to get hold of Robinson way and they state the debt wasn’t for that But how as Robinson way didn’t have the correct details for me. Unfortunately I have lost all faith in  Arrow. I asked Lloyds for everything to do with my account And I have received a letter after all this to go into branch to identify myself 😢 I have been living this nightmare for the last 15 years and I know I got myself into this but I have made these payments since 2005 what can I do if anything I have been through the financial obdusman who to be frank were terrible. 
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      I was in Sainsbury’s today and did scan and shop.
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I have five of these, probably totalling 1K in debt before interest, this has now become unmanageable, have changed debit card so they cannot take anymore money out.


I am with payday express, payday uk, quick quid, pounds till payday and wonga.


What is the next procedure to follow to resolve these, I obviously cannot afford the interest on top but willing to pay the capital, but don't have a lot to offer, possibly £10 a month. Do I send off CCA's, await defaults and sending to DCA's?



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Hi Saul1664, welcome.


I have two that you are talking about.

Wonga, I have come to an arrangement with so that fine. You really need to get in touch with them and sort it out. I would email the collections dept and explain.


Quickquid - these are being a pain. Wont accept anything from me in writing always want you to phone etc., dont do that!


I have tracked down an address where you can send a letter with offer of payment and your payment. It is not the london address the one I have is their collections office.


When you email them they will tell you to phone and make arrangements - dont.

They will try and set up a payment plan for you but I found they would only do it over 3 months - I couldnt afford that either.


QQ will try and take money from your account until the payment plan is set up, so make sure they do not have a dd on your account, cancel if you can.


I havent waited for CCA's or DCA to contact me and have sent them a letter with a token payment which will continue until a suitable payment arrangement is made that I have stated what amount I can pay.


Or you can contact CCCS or Payplan and they will give you some advice (free).


Hope this helps.


I do have bank account details for Wonga if you need them.



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PDP will annoy you with calls for a few weeks, no point in discussing with them as they will try and bully you.It gets better as they generally pass to Clarity to collect and they are a reasonable DCA to deal with.


Also be careful as these companies have been known to get money from cancelled cards.


Best of luck.

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Pounds till Payday have sent me a default notice with a £59 charge one day before loan is due. Whats the best approach with this company?

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if it is dated before the loan is even due i would recommend using this against them. I dont know how best to do this, if you should complain to the finincal obustman or ?? but one of the experts on here will know best.


With regards to payday uk, i had issues getting them to ackowledge that i wanted to resolve the issue. They passed me into there inhouse debt collectors (keyes whitlock) who were very agressive. I recommend you email them everyday with your offer of a repayment plan (try make it decent-ish i.e more than £25 if you can afford to, otherwise they just laugh in your face) until you finially get acknowledged!

Please sign this petition - Asking for the government to drop the length of time credit ref agencies can hold data on us!!





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