Pounds Til Payday Help please!!!!

[looby_lou]

I know the feeling. This has been going on since the 15th October. I think he is a stubborn man who just wants to upset people. I do quite enjoy sending him my emailed replies as I get a chance to think about what I am saying!!!!

 

Just want the whole sorry mess to be over. I will NEVER NEVER NEVER again take out a payday loan it just isn't worth it!!!

 

Try not to stress too much Looby Lou there is (I hope) going to be a lovely light at the end of this blimmin dark tunnel x

 

Once the phone calls stop my stress will be gone.....i am hoping that my emails yesterday in which i copied FOS, PTP customer relations team and my account manager will stop them.

 

You're 2 weeks further than me, mine defaulted last week.

 

You should only have another week left before it gets passed to Clarity

[slgsue]

I think I will have a party when that happens:D. I am about to lodge a formal complaint with their head office in Malta about their staff's behaviou, but actually going to ask my father in law to write it for me in Maltese as well as English!!!! Think I will lodge complaint with FOS too just for good measure

[looby_lou]

Good thinking! I mean touch wood they haven't been funny with me yet but i know it's just a matter of time!

[slgsue]

I have now emailed their customer relations team detailing my complaint to them, had a automated response sayying its being looked into.

 

My dear friend Gavin hasnt responded to his email either, I am assuming he is too busy trying to scare people with his pathetic telephone manner!

[slgsue]

Ahhh my relationship with Gavin has come to an end The customer relations team have emailed today stating that we have been appointed a new account manager who will only be contacting me via email and I should he from he soon.................. RESULT:D

[looby_lou]

Ahhh my relationship with Gavin has come to an end The customer relations team have emailed today stating that we have been appointed a new account manager who will only be contacting me via email and I should he from he soon.................. RESULT:D

 

You may get Steven Clarke lol who i must say has been quiet for a few days....not even an email

[ALFIE1978]

I think that a valid reason for wanting a payment plan would be " I want to get out of this Payday Loan Trap"..if this wasnt accepted let the Judge look into it!

That way Payday loans maybe on the way to be outlawed in the uk,like Canada and some states in the US.

IMHO

[slgsue]

Hi all me again!!!!

 

Can I CCA these people and if so how do I go about it if anyone can point me to a template/draft letter I would be ever so grateful .

 

Have been having more silly emails from them and they will not accept a payment plan and my account is being passed to their "external collection agencies". About time too!!!!!

[robjam1969]

Hi

This is one someone kindly gave me a while back.

RECORDED DELIVERY

Dear Sir/Madam

 

This letter is a formal request pursuant to s.77 of the Consumer Credit Act 1974. I require you to provide me with a true copy of the credit agreement relating to the above account, together with any other documentation the Act requires you to provide.

I expect you to comply fully and properly with this request, within the statutory time limit. You are reminded that should you fail to comply with my request, the provisions of s.77 will apply.

If it is your view that you are not the creditor, s.175 of the CCA 1974 applies in the case of a simple assignment, and places a duty upon you to pass this request to the creditor. In the case of an absolute assignment, you are a creditor as defined by s.189. If you contend that you purchased the rights but not the duties of any agreement, you are reminded that s.189 of the Act is clear that an assignment is of both rights and duties.

Your attention is drawn to ss.5(2), 3(b),6 and 7 of the Consumer Protection from Unfair Trading Regulations 2008 (CPUTR).

I enclose a postal order in the sum of £1.00, which is the statutory fee. Note that these funds are not to be used for any other purpose.

If you are unable to comply fully and properly with this request, you should confirm this in writing at the earliest opportunity, and certainly within the statutory time limit for compliance, and return the fee.

You should also note that I will only discuss this matter in writing and should it be your intention to arrange a “doorstep call”, please be advised that under OFT rules, you can only visit me at my home if you make an appointment and I have no wish to make an appointment with you or any of your associates.

There is only an implied license under English Common Law for people to be able to visit me on my property without express permission; the postman and people asking for directions etc (Armstrong v. Sheppard and Short Ltd [1959] 2 Q.B. per Lord Evershed M.R.). Therefore take note that I revoke license under Common Law for you, or your representatives to visit me at my property and if you do so, then you will be liable to damages for a tort of trespass and action will be taken, including but not limited to, police attendance.

I look forward to hearing from you.

Yours faithfully

I would be tempted to wait and send it to the DCA when they get in contact.

 

Rob

[slgsue]

Thanks Rob, that looks great. Yes I think you are right I will wait til DCA gets in touch have a feeling it should be soon now!

[Bezza76]

I have been experiencing similar problems. I initially took out a loan back in April to cover costs after having to put down a deposit to rent a new flat. However, since then I have gotten myself further and further into debt with them as their charges are ridiculous, hence me taking out larger amounts each month to cover these debts. It is making me quite ill with the stress. I have just had a wake up call today and cancelled my direct debits. I have sent an email to them saying I propose to pay £50 per month on payday to them each month. I have been getting behind with my rental payments because they take my money on payday but I have to wait to re-loan to cover my rent! It's a viscious circle and I have to get myself out of it....What a [problem]!

[looby_lou]

I have been experiencing similar problems. I initially took out a loan back in April to cover costs after having to put down a deposit to rent a new flat. However, since then I have gotten myself further and further into debt with them as their charges are ridiculous, hence me taking out larger amounts each month to cover these debts. It is making me quite ill with the stress. I have just had a wake up call today and cancelled my direct debits. I have sent an email to them saying I propose to pay £50 per month on payday to them each month. I have been getting behind with my rental payments because they take my money on payday but I have to wait to re-loan to cover my rent! It's a viscious circle and I have to get myself out of it....What a [problem]!

 

This is the trap everyone falls into - i was so scared about cancelling my DD but now i feel relieved. When my wage goes in it's mine and i'm not paying them £89 interest every month for the pleasure of loaning £300. I can repay the debt to them in installments i can afford and be rid of the "vultures"!

 

Only thing i found stressful was the phone calls especially the ones at work. I emailed them and advised them that i will not accept phone calls and to correspond only in writing / email. I haven't heard from them since 04 November since i put in my complaint. I am now just playing the waiting game until mine is passed to clarity.

[sillygirl1]

Don't know if anyone else has had the advertising email from QuickQuid (another payday loan company) but its offering up to £3000 as a prize for referring friends.... as if I would do that and let my friends fall into the terrible trap this time of year. - they would still be paying off loans NEXT Xmas!

 

These companies really need regulating and registering with some authority which has teeth to stop them charging left right and centre if a problem occurs.

[looby_lou]

Vultures!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

[slgsue]

I get at least 2 to 3 emails a day from these companies. OK I was silly before but never ever ever again would I put myself through the payday loan trap. If I cant afford it I dont get it simple as that!!!!

[looby_lou]

^^ Yes same here, everytime i log into my email i have at least one!

[kierenluke]

We have briefly explained our reasons but he and I quote says "I won't be

giving out any bank details until you clearly state why you can't pay in full

and secondly what you would offer as a payment"

 

I have already given him a detailed list of our proposed payments can the man not read????

 

Hi I have bank details if you want them. I cancelled my direct debit but got their bank details from the website first. I emailed them and said I do not want any telephone calls, got the normal emails saying it will be referred to Account Manager and they would phone sent another email saying it was my legal right to only deal with them through email and written correspondence, and i would be paying them so much through their bank details until i had heard from them to set an arrangement up. The due date is not until the 28th today i had an email from them with a default for £59 charge. I have just emailed them back and explained that I will be keeping a copy of this to prove the charge is unfair as it is only the 26th. I am awaiting their reply.