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    • Our price is the same all day, but varies day to day. Yes there's a risk of high prices but it has never gone above SVR any time since I signed up. Last 30 days average 17.67p/kWh, max 20.67 and lowest was 11.83.  It saved just under £300 during 2023.  
    • It you had E7 in the past but have converted to single rate then the meter will still hold the last recorded Night readings. This introduces scope for error when manually reading. If the meter has only ever been used on single rate then there's only one figure that can be taken. For example ours shows "Rate 1" reading and a "Total import" reading, but they both give the sme figure. If it has ever been on E7 the total will be higher, including the retained night reading.
    • okay, perfect and thank you so much for the help once again. so firstly i am going to initiate the breathing space, during this time it's likely ill receive a default. when i receive the default are you aware of how long it will take for me to know whether the OC have sold it off to DCAs? Once it's with the DCAs i do not need to worry as they cannot issue a CCJ only the OCs can Even if i decide to come an arrangement with the DCAs no point as the default will remain for 6 years paid or not paid I should only consider repayment if the OC still won the debt and then issue a CCJ? Just to confirm the default will not be seen after 6 years? No one can tell I had one then after 6 years ill be all good?
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    • To re-iterate and highlight my urgent question on this one: The N24 from the court did not include any instructions to submit paperwork 28 days before the date, unlike the N157 received for other smaller claims. Do I have to submit a WS for this court date? Link has!...
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Hi

 

I currently have loan with pounds til pay day and i am not able to make the payment this month..

 

i have never missed with them and I spoke to arrange a payment plan.

 

They said Clarity will be in touch in the next few weeks.

 

What do Clairty do? How will they contact me? are they like baylifts?

 

HELP!

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Hi,

 

Firstly don't worry too much - Clarity are a Debt Collection Agency but as far as collection agencies go they are pussycats.

 

You will find that Clarity will sent you a letter detailing the amount you owe PTP and it will also include the £59 extortionate fee that PTP charge for defaulting. I got my letter from Clarity 6 WEEKS after I defaulted with PTP.

 

When you get the letter call Clarity and arrange a monthly payment with them - THAT YOU CAN AFFORD. As a tip I would start a little bit lower than what you actually can afford to pay - I offered them £25 per month on a £700 debt with PTP and I ended up paying (and still am paying) £45 per month.

 

The one thing that Clarity also did which I didnt do as I wouldnt have defaulted if I was able to do it was offer me a settlement figure of 60% of the outstanding balance to close the account. I have now been paying Clarity for 5 months at £45 and I have just received another letter offering me the same yet again - 60% settlement figure on the remaining balance. I cant afford to pay it in full still so will carry on with the monthly payment.

 

So in short please dont worry yourself about this too much you will only make yourself ill - i nearly did AND only arrange to pay them what you can afford.

 

I might be repeating but I want to make it clear that they are quite easy to deal with and are a lot more professional that PTP have ever been.

 

Keep us updated please :)

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Thank you for your response you have been a great help! I am just slightly concencered PTP will phone my work number and my home number even though these contact details are no longer registered with them . Will they stop contacting me after a while?

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Yes Robjam is correct - at 1st PTP were calling me daily for 3 days or so but as soon as they realised they weren't going to get any money out of me I didn't hear another thing from them. The next thing (6 weeks later as previously mentioned) the Clarity letter dropped on the doormat.

 

When they called me I just made it clear I couldn't afford to pay them and urged them to send the debt to Clarity as I knew it would be easier dealing with these than PTP. Just remember if you do speak with them be firm with them, prepare for a little verbal abuse (I gave just as bad back, lol) and trust me they will soon get bored and it will go quite.

 

If as you say they are already getting Clarity involved you may find that you wont hear anything else from them - fingers crossed for you :).

 

Hope this helps

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  • 3 weeks later...

Hi Gibbo

 

Clarity will be in touch and at least you are rid of the PTP idiots.

 

Nothing I have seen yet would suggest they mark credit files. No absolute guarantee though.

 

Clarity are fine, make sure you only offer what you can afford - A low starting point in negotiations would be a good idea.

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The sooner they have gone the better!

 

I have got rid of Quickquid now and I am working on my wonga loan and hopefully with claritys help I can get rid of poundstilpayday ..

 

New Year ..New Start for me I hope! ....I would advise everyone NEVER EVER get a payday loan.

 

I will keep you updated as soon as Clairty are in touch !

 

Once again thanks for your help

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Just a quick note also, make sure you have cancelled any direct debits to them as they could still try to take payment when your next payment is due. If you paid by debit card I would suggest 'losing' your card and reporting it to your bank so you get a replacement, but make sure you tell them it is 'lost' so you get a whole new debit card number and they cannot take payment. I would keep an eye on your bank account for the next few weeks just in case, and contact your bank straight away if they try to take payment, as they may be able to cancel the payment.

 

As has been said previously, dont worry about it, nothing bad will come of it.

 

You could also submit a CCA request when you get a letter from Clarity, they very rarely reply and this would stop them being able to take you to court. See stickys regarding CCA requests.

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