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    • the last contact i had with the IVA management company was in December 2016. The last time i used/paid the credit directly would have been 2012/13. If there was a default notice.. and i cant remember if there was, i guess there must have been.. it would have been around that time 2012/13. is there any way i can find out for sure? incidentally just recieved a second letter from Lowell regarding the Creation Finance debt offering a 50% discount off the bat. I have attached  a copy of the reply form from Overdales as i am unsure of how to proceed with this and reluctant to sign anything. any help/advice would be fantastic. I have also attached a scan of my adverse events page from my credit report.. do you know why none of the above appears on my credit report?   Thank you so much for your help.. 001.pdf 002.pdf
    • We only suggest writing if and when you get a Letter Before Claim/Action that's headed as such.   Before that you're likely to get letters from debt collectors and possibly lawyers, but LBC is the thing to watch for. If you're not sure, come back here and we'll confirm whether you need to do something or not.   It might be a good idea to read some other parking threads for a refresher on how it all works.   HB
    • The client wants workers under 48 hours.   The client pays the wages.   End of story.
    • Thank you all for your comments....   What do I do now? do I just ignore them? or is there a letter I can send?
    • Guys/gals,   There's been a misunderstanding and for that I apologise. I didn't answer the initial questions because my appeal was just a couple of days away and didn't want to get bogged down with extraneous things that were not factors. I also - perhaps erroneously - got the impression that the questions were stabs in the dark hence my "if you don't know just say" response. Plus I thought my OP answered the questions however upon re-reading it I can see it may not to non-employees. Finally,  didn't want to make myself identifiable if my employer is reading (hence my redacted OP). I wasn't intending to seem difficult.   Short version: My employee has limitless OT to spare - it just wants to restrict people to WTR limits because that's what the client wants. They're happy for me to work OT once I'm under the 17 week WTR average. My appeal has been delayed from to this week so any help is appreciated.  I am one of the protected characteristics as stated in post #14.   Longer version (including answers to questions/points raised)   Why do you think other employees are able to work paid overtime hours without prior approval from the employers? Because they're not at risk of >48 hours. I am and that's why I've been told that I must have my OT pre-authorised so that I don't >48 hours. They were happy for me to work 60+ hours a week until I did so for 3 months in a row and hit the WTR limit. That's when it came to light that the client we work for states that employees must stick to WTR and my employer appears to not want to upset the client.    Ironically, when I checked their relevant HR page everything was factual in relation to WTR, it just assumed everyone would stay in WTR and didn't mention the right to opt-out. Also, when my employer took up the fight for me with the client and explained that I'd opted out, the client reportedly said they were unaware that employees can opt out.     Have you picked arguments with the company managers previously about any issues?  Are you in a more senior position and thus more expensive?  No to both. It's simply because they don't want me to exceed WTR limitations on working hours. We work on a contract for another company who stipulate their own employees must abide by WTR and therefore we must too. My employer was initially happy for me to log as many hours as I want and only changed their mind when the client pushed back.   They're happy for me to work OT just as long as I stay under the WTR limit of no more than an average of 48 hours across 17 weeks.     The company may be doing it for your welfare - do they think you are stressed, taking too much on? They may not think your output justifies doing so many hours so can refuse. They may want to free up some OT hours so others can do a few. None of these reasons apply and there is limitless OT on offer so it's not a case of wanting to share it around. About 10% of employees do OT and the company would be delighted if it was 100%. They just don't want any one person working >48 hours. Anyone can work any hours they wish outside of their normal schedule as long as they don't breach WTR. So last week we had the situation of my employer desperately begging people to work OT as they had a massive shortfall on hours and were not going to meet their commitments to the client and everyone was eligible except me. As much as they wanted to include me, as much as they would have gleefully accepted my 20 hours of OT, they felt that they couldn't and it was lose-lose for both of us.     In summary I felt it was discriminatory because:   1) The site is open 120+ hours a week and has an open-door policy on OT - the more the better and the company constantly begs for it and falls short of client requirements for number of logged hours.   2) They're initially happy for agents to work as much OT as they want and for months on end. Until you hit the WTR limit - even if opted-out   3) They insist on forcing employees to stay within WTR limitations despite employees opting out and OT being available - in which case employees are being denied not for valid issues (eg: welfare, performance issues, limited OT hours available) but because they just don't want that particular employee working the OT that a) is available and b) ends up being unfulfilled   4) So to me, it's discrimination to admit they need the hours working, they'd be happy for me (an opted-out employee) to work them if I hadn't hit the 17 week WTR average, and are only enforcing WTR because the client wants it 5) As it stands, they'd accept requests from every employee except me to work 4pm to 11pm on Friday. Likewise, they're canvassing every employee (except me).   6) They say my opting-out of WTR doesn't give me a legal right to work >48 hours but that is exactly what it does. If you have not opted out then it is illegal for you to work >48 hours therefore opting-out absolutely gives the legal right to work >48 hours. That doesn't mean a company is obliged to offer OT when it normally wouldn't or to extend it's opening hours to accommodate an employees demands for OT but it does, by default, give the legal right to work >48 hours if they OT is available. And the OT is available at my work.   7) As far as I know I am the only person of my protected characteristic and I am also the only one prevented from working >48 hours. Maybe there's a link, maybe there isn't.    
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Too many Payday Loans Please Help. **


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Hi - I have also got into a HUGE mess due to my partner being out of work for a while and then up splitting up and took out loans with PTP,Quick Quid, PDUK,PDE,Wageday advance,1month,uncle buck,towercapital and mr lender:(. I started of with 2 but then then got another to pay of one of the previous ones and so forth. I have been paying a rollover fee on all of them except PTP which i pay in full every month but then have to re-loan off then to live as between them all they take all my wage. I just dont no how to get out of this mess and it worrys me sick and keeps me up at night. I would appreciate any help and advice as i'm at my wits end.I have consider just not paying but i dont want them to add lots of late fees on or get into a bigger mess then i'm already in.

 

If anyone can help i'd be very grateful.

 

Thanks In Advance

 

Aine6 :p

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Hi Aine and welcome to CAG.

 

First of all a few of us here have been in your position and there is a way out albeit time consuming and plenty of irrating calls from these companies.

 

First of all consider a parachute bank account to have your salary paid in to, these companies will not hesitate to take money from your account even without your permission. Alternatively report your card as lost and get replacement. Also ensure all DD's are cancelled and check daily to ensure they have not been reinststed by the companies. Once you get to this stage you can then decide how much you pay back and to who.

 

Make offers in writing to all companies, £10 a week if thats all you can afford. You will gets lots of calls and e-mails. Stand firm and they will have to come to an arrangement with you. Any payments you do make do by Standing order or over bank counter (you get to keep control).

 

Most of the companies you mention will take lower payments, just stand firm and don't be bullied.

 

The main problem is the phone calls, if you can put up with this you will eventaully gain control.

 

Take time to read the forums as lots of info on the various companies and their individual approaches.

 

Good luck.

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Hiya aine and welcome to CAG,

 

Excellent advice from Robjam (as always). Main principle is try not to worry to much, stick to your plan having worked out what you can realistically afford and do not let them bully you.

 

Strongly agree about the parachute account (in fact when you have long list of companies of this type it almost a must for salary/normal banking as it will give you a lot of control back). Remember you want the account in a different banking group to the one they have details for (so the bank cannot "offset"). My own experience of a number of those that you mention is that they will try and bleed your account dry (and keep trying for weeks afterwards, even AFTER you have agreed a repayment plan with them :mad:)

 

There are a number of template letters on here which you can amend to suit for your own circumstances (reduced payment, telephone harrassment etc) and most of those you named have a relevant email address on their site (and if not you can try and get one when they contact you). As robjam says between the regular posters in this forum there are probably most contact details (and often bank account details for paying them) so if you get stuck posting regularly will help you sort them.

 

Talking on the phone will not (generally) work with these firms - the convention is to keep everything in writing (or email) but often worth one conversation if you think it might lead to agreement of repayment proposals that you can afford (I know most here would not recommend this but in very limited circumstances it has worked out for me). If you get this make them back it up in writing, if you do not (or they try to bully you) do not agree to anything, conclude the call and post back here.

 

As robjam says, make sure whatever you offer is realistic and you can afford it. They will huff and puff and try to make you pay them first but stick to your guns. If you are looking for further (free) advice as well as the good people of CAG then don't forget the main debt charities - nationaldebtline.co.uk, cccc.co.uk and payplan.com

 

Once you have your income out of their way take your time, read and research well for your plan and then stick to it. Any questions post back and many wiser heads than mine will help you (I will try and chip in as well, on my way back from a position similar to you so it can be done :))

 

Best of luck

MJC 007.5 :cool:

 

Advice or opinions offered by mjc 007.5 are personal, offered in good faith and without prejudice or liability. Your decisions and actions are your own and should you be in any doubt then please seek the opinion of a fully qualified and insured professional

 

:) If you think I have helped you please feel free to click on my scales :)

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Further to above sound advice. After you have cancelled your debit card and if you have opened a parachute account. DO NOT give your card details to your payday lenders. Set up standing orders (as Robjams advice) for each lender. Take their Sort Code, Account Number etc.. Otherwise they will empty your account! Looking at your Lenders most will probably pass to a DCA (debt collection agency) after 3/4 months and they will accept repayments for low amounts i.e £15-£20 per month.

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hi all thanks for all the advice.

Ihave today sent letter to all my lenders and am waiting on replies, i ahve also cancelled my card and cancelled my direct debits, i just hope this is enough.

I will keep you all posted.

 

thanks

 

Aine

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Hi Aine

 

A good starting point.

 

If you are keeping your existing bank account remember to be vigilant. I would not leave sizable amounts of cash in it just in case. They of course no when your salary goes in. I would get up early on pay day! Any card payments on cancelled cards should be blocked but some do sneak through. Hard to then get it refunded.

 

Uncle Buck will definately try and set up direct debit and a fair chance Quick Quid will as well. You will need to do regular checks.

 

keep posting :)

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Hi All,

I am in a similar situation. I have defaulted on loans to 3 payday loan companies: quickquid, payday express and wage day advance. I have 'lost' my debit card, cancelled direct debits and had my wages paid into a different account. I was on a dmp with the cccs however, they have now stopped my plan as i told them i had taken out these payday loans since being on the plan. I have sent my income and expenditure to payday express and wda and set up standing orders fo 5.00 which is all i could afford. I have yet to contact quick quid as they wont give me any details (someone on this site has given me thei address so t least can write now). I was just wondering what to expect next. Im sure they wont accept my offer and have hinted at dca or doorstep collections, however, other than a couple of emails and one letter I havnt had much contact.

Any advice gratefully received.

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hi all

 

i have had an email from uncle buck saying the following.

 

Account xxxxxx

We will accept monthly payments of £50 per month for a three month period only, to be reviewed again after this time.

Please advise how the payments will be made for us to set this up.

Regards

 

This is a good start so far isn't it or do you think they will try and be sneaky and still set up a DD?

 

Thanks

 

Aine

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Hi robjam

 

i have asked my work to pay my wage into another account but i wont know for sure if they have done it intime until next week when my HR departmnt re-opens.

I have spoken to the bank and they have assured me my card has been stopped and my direct debits cancelled but have said there is nothing i can do to stop unauthorised DD's being set up and i just have to keep an eye on my account.

Anything furthur i should do r is it just a waiting game now?

 

Thanks

 

Aine

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Hiya,

 

Keep going as Robjam and Riddick have suggested (depending on how long you are functioning with the "at risk" account versus the parachute account). The banks are increasingly deflecting any issues over these companies claiming payments on cancelled cards or direct debits as "commercial dispute" between you and the company. As Robjam says whilst you would have claim agains the bank it is complicated and time consuming - better to stop them getting their mits on it at all! :p Riddick is also 100% correct with these firms - standing order always payment of choice (followed by cheque drawn on account of family member followed by crossed postal order).

 

Uncle buck will try and access your account by whatever means they can - pleasently suprising that they appear to have given you three months grace (very out of character) but do not trust them. The remainder mostly will try the same underhand tactics - some will pass to DCA and as Riddick says these will generally accept lower payments.

 

You have got two approaches here once you have decided what you can afford - either "snowballing" (absolute minimum to the bigger debtsbut as much as possible to the smallest. Once the smallest is paid off move up to the next in size, pay the extra to them until paid off and continue like this) or they all get a payment you decide is affordable and equally (either a fixed amount or "pro-rata"). Which one of these you choose is specific to your wider circumstances and choice but stick to your guns. If you offer (and start to repay) an affordable amout to all then whatever huffing and puffing goes on they cannot get any more.

 

The very best of luck - you will be able to sort it - expect a lot of huffing and puffing but generally speaking they will not be able to blow the house down! :D

 

Keep posting, always someone here that can have a go at answering any questions

MJC 007.5 :cool:

 

Advice or opinions offered by mjc 007.5 are personal, offered in good faith and without prejudice or liability. Your decisions and actions are your own and should you be in any doubt then please seek the opinion of a fully qualified and insured professional

 

:) If you think I have helped you please feel free to click on my scales :)

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Hi Aine

 

You are making a good start. Only agree to uncle bucks offer if you can realistically afford it - bearing in mind you have to offer the others something.

 

I coulnt reach agreement with them and have paid nothing for 6 months. They threaten you with Meritforce who are not interested and will pass back to UB.

 

What you say about the banks approach to DIrect debits rings true! Never mind if your salary goes elsewhere your old bank will have to whistle for any charges.

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Hiya Robjam - not a problem, those of us who have been to the "dark side..." with these firms all appear to have similar themes in terms of finding a path back - I think it helps (both from a support point of view and validating the suggested course of action is likely to work) if a number of us are giving similar messages! :D

 

It seems like an eternity ago that I finally put my head above the parapit on CAG and asked for help but it is a matter of short months. Although part of a much wider mess this "sector" are particularly vexatious and devious when things go wrong and if I had not had the support of yourself, Bub 1, T2upnorth (to name but a very few) at that initially dark place then I do wonder what would have been the result (something of a crossroad - admit defeat and get ill or fight back!).

 

Now - a very long way to go (and using CCCS as well in this journey) but on the path back and chipping in to help and support when I can ;)

MJC 007.5 :cool:

 

Advice or opinions offered by mjc 007.5 are personal, offered in good faith and without prejudice or liability. Your decisions and actions are your own and should you be in any doubt then please seek the opinion of a fully qualified and insured professional

 

:) If you think I have helped you please feel free to click on my scales :)

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Hi All

 

Another update, i have received an email from payday uk saying the following -

 

Dear XXXX,

 

Many thanks for your email.

 

We will need to try payment as per your Loan Agreement on 25/09/2009. If this payment fails then a member of our repayment team will contact you.

 

Payment is taken from the Debit Card provided and not by Direct Debit. Please check with your card issuer regarding any authorisation charges.

 

If you have any further queries please do not hesitate to contact the office on 0871 271 6111. Our office is open 9am - 8.30pm Monday to Friday and 10am - 4pm on Saturday.

 

Kind Regards,

 

Alison

 

Customer Services

 

it seems they did not read my email properly or they would know i cancelled my card!!!

 

I have sent the following rely could anyone advise if this was the right thing to do or what else i should do?

 

Hi

 

I have cancelled my card and revoked authorisation and have advised the bank no payements are to come off my cancelled card.

 

I would like to make payement to you before i come into arrears and would very much appreciate your bank details so i can set up a standing order, i have given you ample notice that i cannot afford the payment and have offered a reasonable payment plan option, any charges incurr from the bank which is a direct result of yourselves will mean longer for me to clear the debt and i may have to pass this debt onto my DMP and let them negotiate with you and it will probably be for a lower offer amount.

 

Please help as i am trying to be as helpful as possible.

 

Regards

 

XXXX

 

anyone's input would be great.

 

thanks

 

Aine

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Hi Aine

 

That's fine

 

Just stick to your guns. When they realise you can't be bullied they will have to negotiate.

 

Highly unlikely you will get authorisation charges. They are just trying to scare you in to letting their payment go through.

 

Keep going :)

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Hiya,

 

Agree with Robjam, you are doing fine, keep emailing and stick to your guns :):)

 

Might need to get a bit sterner in your tone if they escalate things (we can help you with that! :p) but for now language of both emails is courteous and non-combative so if it stays like that with them agreeing to your proposal then excellent! :cool:

 

Just a thought, is this one within it's cancellation period? (usually 14 days from the loan being provided). If it is and if (I realise big if) you can find the funds from somewhere to chuck at them you should be able to cancel and just repay what they actually loaned you.

 

Keep posting :)

MJC 007.5 :cool:

 

Advice or opinions offered by mjc 007.5 are personal, offered in good faith and without prejudice or liability. Your decisions and actions are your own and should you be in any doubt then please seek the opinion of a fully qualified and insured professional

 

:) If you think I have helped you please feel free to click on my scales :)

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Hi

 

Thanks robjam will keep post updated.

 

MJC - no i'm not in the cooling off period :(.

 

Lets just hope the bank donet let any payments go through.

 

I still haven't heard back from PTP,1month,payday express,mrlender,wageday advance,quick quid should i get worrid they haven't replied?

 

thanks

 

Aine

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Hi Aine

 

All you can do is wait. Some might still attempt to take the money and then start chasing you when that fails.

 

WDA, OML happily accept low monthly figues (you may get away with a tenner if need be)

 

PTP - are always difficult and you will have to wait until they pass to Clarity who are a doddle to deal with. QQ are very similar albeit happily accept payment over 3 months if you can manage it. they too pass to DCA.

 

I haven't dealt with your other lenders.

 

Don't worry they will all be in touch in due course :wink:

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Thanks robjam makes me feel less anxious about the whole thing and am starting to feel more optomistic now a couple of them have accepted my offers. lets hope the others are as nice.

 

Thanks

 

Aine

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Hi,

 

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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Hi Aine6

 

A bit of hard budgeting, will pay dividend's. I worked out my minimal expenses for one month, put aside money for all my important expenses, gas, electric, phone etc at the end of the month all the remaining money I paid to the company which was piling on the most penalties, You will be surprised at how much you save by not buying the odd packet of biscuits, chocolate and other unnessasary things we all are guilty of treating ourselves to on a regular basis. Two point's to bear in mind are that if you do this for a few months, you will actually lose a bit of weight and you will find out the shocking trueth about how much money you actually waste. This method is actually a very good way of having money for Xmas. Ok, so it won't solve all your problems, but you will be amazed at what you end up with at the end of the month, and it will pay those bills much faster.

I have so far managed to stay clear of payday loans, to date!!!

 

 

Cheers Suz

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