Jmw Payday Pickle Help And Support **

[JMW69]

Hi Ive been on a few threads about my payday loan nightmare.

Getting worried now cos am about to default on

£350 wage day advance

£500 pay day express and

£400 pounds till payday.

 

£625 of payday uk is going to keyes whitlock so waiting to hear from them.

 

Want to add WDA and PDEX to payplan debt programme but think they may be difficult.

Hoping clarity get involved quickly with ptp .

Worried I will get phone calls at work.

Can cope with letters and email.

 

Whats your advice CAGGERS, I have already changed bank details- just neeed to cancel direct debits and debit card before tues.

[mightyroyals]

Hi i cannot offer much help but DO NOT SPEAK TO THEM ON THE PHONE.

 

Send them the following letter

 

Your Street

Town

City

Postcode

 

DATE HERE

Company Name

Road

Town

City / County

Postcode

 

Re: Harassment by telephone

 

 

ACCOUNT NUMBER: XXXXXXX

 

Dear Sirs

 

I am writing in relation to the quantity and frequency of telephone calls that I have received from your company, which I deem to be personally harassing.

 

I have verbally requested that these stop, but I am still receiving calls. (Delete if necessary)

 

I now require all further correspondence from your company to be made in writing only.

 

I am of the view that your continued harassment of me by telephone puts you in breach of Section 40 of the Administration of Justice Act 1970, and the Protection from Harassment Act 1997.

 

If you continue to harass me by telephone, you will also be in breach of the Communications Act (2003) s.127 and I will report you to OFCOM, Trading Standards and The Office of Fair Trading, meaning that you will be liable to a substantial fine.

 

Be advised that any further telephone calls from your company will be recorded. (**Even if you don‘t yet have recording equipment!!**)

 

 

Yours faithfully,

 

 

 

Print your name do not sign it cos some institutions have been known to lift and photoshop your signature

 

Just sit back and some more experienced people will be along soon

 

Mightyroyals

[slgsue]

PTP are a nightmare, but mightyroyals is quite right do not enter into conversation with them. I am now in the middle of an email exchange with them in which they keep stating I must phone them.............NO that is not going to happen.

 

Once DCA gets hold of the account apparantly much easier to deal with so just hold out and stay positive, from what you have said you have done everything you can.

 

I am too sure that a more experienced and knowledgable person will offer some better advice soon x

[minmac]

I know this is no use to you but for anyone else reading this, NEVER give your real work no out. Everytime I took any type of credit I always gave a fake number (usually the local phonebox).

 

I am being chased by well over 15 creditors :o and have been for over 2yrs and have never had a call at work.

 

If as yet you aint defaulted you could give them a call telling them you have changed jobs and you need to update your new work details, then give them a new company name and number.

[JMW69]

Thanks minmac

Ive also decided to bite the bullet and default on last two hardcore loans with quickquid and wonga - given qq a diff number and don't think wonga got my work details so hope won't get hassled too much.

 

Well here goes hope it gets sorted its making me feel ill.

[JMW69]

HAVE BEEN READING OTHERS EXPERIENCES OF WONGA AND QQ ETC. AM I DOING RIGHT THING DEFAULTING ON ALL AT ONCE - NEED TO GET OFF THE ROLLOVER MERRYGOROUND?

[minmac]

Definitely. Its the only way you get get out of this mess.

 

Cancel the direct debits and check your bank every month the day before payday to make sure they have not re set up the dd with out your consent. Also remember if any of them have your debit card details to cancel that also.

 

Sent them each a postal order payment of £5pm or whatever you can realistically afford.

[JMW69]

WELL HAve changed bank account now. will wait to hear from 6 payday loans now n thursday

qq 800 + 180 int

wonga 430

payday express 500

wage day advance 350

pounds till payday 519

keyes whitlock re payday uk 625

 

hope to have some reasonable calls

will try to stay calm

hope to get some support

 

thanks all- i know its the best way to go.

[meecha]

hi

 

i thought i was the only person with payday loan worries until i stumbled onto this seriously great site! i have been sick with worry but already from the posts i have read now know im not alone and that maybe there is a way out.

 

i have 3 payday accounts

 

paydayuk £415

quickquid £324

wonga (now paid)

 

i cant afford to pay and have already rolled over, QQ were really nice and gave me a further month without additional charges but paydayuk are really harsh and to buy myself 24hrs to work out what to do i foolishly said i will go into bank tomorrow and pay in full. they have been ringing me at work and telling my colleagues who they are, giving ref No and telling them i need to contact them urgently which is really embarrassing. to get to the point, does anyone have any suggestions on what i should say tomox when they ring to find out why i havent paid?? they do not have my card details due to new issue debit card so they cannot just take money from my account..... can they??

thank you!!

[JMW69]

Hi Meecha

 

Payday uk were nice to me= just contact them by email today and say you can't pay and that you include income and outgoings. They should set up a 3 month payment plan - or will send on to keyes whitlock , others say they are reasonable / I am waiting for them to contact me now.

Just be firm . I am really nervous too but I guess its the only way.

 

Don't be bullied and if you do contact by phone make sure they back it up by email.

 

Stay in touch = we are both in dark place by now but we will get through- others have/ .

[JMW69]

Just heard from ptp about resetting direct debit= emailed them a payment offer but they replied by asking me to phone them.

Just emailed back for them to write back or email.

Here it goes!!

[minmac]

I advise everyone here who is having problems with payday loan companies not to talk to them on the phone!! They will only try to bully you into giving your new bank details over.

 

Only talk with them via email/letter. Remember dont offer them anymore than you can afford £1-£5 pm should suffice. When you ddo pay them DONT use your new debit cards or give them your bank details, they will use them to take out whatever they want. Only pay them by postal order or a manual payment directly into their banks .

 

Please dont worry about these ****. Now you have all changed bank details and/or debit cards you have all taken back control and are now in the driving seat!

 

As regards to them calling tou at work there are a few things you can do

 

1 - you can give them a call (be all nicey and apologise for late payment) say you lost you job but now have a new one and want to give them your paydate so you can pay this loan off, then just give an imaginary paydate (remember dont give them your new details if they ask say bank details/card details still the same), them at the end of the convo say oh can I give you my new work number incase you need to contact me then just make up a number (the local supermarket or something, and their address).

 

2- Go online into your payday account and change all you numbers from there.

 

3 - When they call you at work go to the phone pretent to be someone else and say the person you are calling is not authorised to take calls at work and you demand they delete this number from their systems immediately or you will complain to the relevant bodies . Furthermore the fact they are calling a business line is stopping genuine customers from getting through and stopping whoever has to talk to them from doing their job therefore this is notification that all further calls made by them to this number will be charged to them at £50 per phonecall! (if you cant do this yourself ask the boss or a close collegue to do it)

 

4 - send them the tele phone harassment letter which can be found above (mightyroyals post)

 

Good luck guys, keep us updated.

[meecha]

hi there

 

just an update about current situation.

 

first tho, thanks to JMW69 for the reply, its really helpful to know am not alone.

 

paydayuk have given me until saturday to pay half my debt (207) or they will pass on to Keyes Whitlock. i cannot pay it so can anyone tell me what Keyes first step will be and how long before i hear from them? also what is the best way to sort it out?

 

i now have a new issue with Wonga, i thought my debt of £324 had been cleared on saturday, my wages had gone in my account but i discovered yesterday that they had made 6 seperate transactions and still left a debt of £43. i emailed them asking why as my wages had gone in and they would not have been able to take the other money if my wages were not in the account. i got a short reply telling me to phone the collections dept, i did this and got speaking to an exceptionally rude man who insisted that i did not have the funds to pay the rest of the debt. what was worse is that my bank froze my online banking because they thought i was being defrauded. the man at wonga said if i did not pay the £43 on the day (yesterday) i would get an additional charge of £40 put on my account. i had phoned from work and when i got home i sorted out my banking at approx 5pm and went straightaway online to pay the £43 only to find they had already put the additional £40 on except it was actually now £88 so they found an extra fiver from somewhere! i emailed them via the "contact us" bit on their site asking why this had happened and that i hoped their calls were recorded so i could prove i had been told the charges were not eligible until today. but no reply! i checked my wonga account this morning and found the debt had now gone up to £90! yet another mysterious charge! i could not get the opportuniy to phone them from work today and now i have come home and found they have just taken the whole £90 from my account!! do i have any rights about this?? interestingly enough i have not been offered the opportunity to apply for another loan lol

[JMW69]

have just let my lot have email with offer to pay each month.

Will have to see what happens -

people tell me keyes whitlock are ok I defaulted to payday uk last wednesday and told it would go to keyes but not heard from them yet

Stay tough.

[JMW69]

sorted with paydayexpress and QQ now what to do with wonga- should i ring or just keep sending email offer?

[meecha]

Hi JM

 

am glad you have got sorted with QQ and PDE, hope thats a weight off for you not sure bout Wonga, have to say i found the guy i spoke to really rude and unhelpful and that was just for £40. i have paid them off but i got a nasty email from them on fri threatening all sorts if i didnt pay them the grand total of......wait for it..... £0.00 lol i have mailed them back asking them to kindly sort this out. whenever i read threads about payday lenders there is always a lot about QQ, PDE,PDUK but not much about Wonga, maybe one phone call will be enough to tell you what they are gonna be like to deal with and if they are really unhelpful then maybe just stick to emails and tell them not to ring you.

 

i defaulted on PDUK on sat and by time i got home from work and checked emails i had already recieved one from keyes whitlock. i am going to mail them saying i have every intention of paying this loan off but will need time and a suitable arrangement, hope it goes ok!

[JMW69]

HI MEECHA

My account was being sent to keyes 2 weeks ago-heard nothing yet!

thanks for advice might ring wonga as initial contact but then back up with email- have contacted them by website also so will wait and see also

[meecha]

hiya JM

i have emailed Keyes this morn saying i acknowledge my debt and would like the opportunity to to set up a mutually acceptable repayment schedule. i have also said 3 times in my mail that i will only accept correspondance via email/letter and cannot take calls. hopefully they will follow through with this!

 

good luck with Wonga, hopefully you get someone nice to sort this out for you. i have heard nothing from them re debt of £0.00 lol

[JMW69]

YES, HAVE NOW SORTED WAGE DAY ADVANCE COMPLETELY BY EMAIL.

HAVE GOT to sort wonga and PTP soon but from home later.

Not heard from keyes yet ,its been 2 weeks so let me know how you get on meecha.

[JMW69]

I have been asked to pay quick quid by bankers cheque- does anyone have their account number and sort code to pay by standing order?

[meecha]

sorry, i dont know QQ bank details, might be worth asking that on another thread, seems be just you and me on this one lol.

no reply as yet to my email to keyes, will keep you posted

good luck!

[spikescot2005]

Hi,

 

I am in the same trap as you guys and was thinking of just defaulting so that i can get out of the trap of roll overs. My debt is with PDUK, any ways of best approaching this?

[JMW69]

they won't help you until you default, then their collections team will contact you by phone and will set up a payment plan over 3 months only -if you can't do it in 3 months they will refer you to keyes whitlock debt management and wait for them to contact you- this is my experience only and others may be different. By all accounts keyes whitlock debt collection are part of PDUK anyway and have been reasonable with people. Good luck

[meecha]

hey JM

 

just checkin in to see how you are doin?

 

not much change my end, had a flurry of activity with Keyes when i defaulted on PDUK and i sent email requesting only email/letter to deal with the debt which i fully acknowleged. they sent email asking how much i wanted to set up agreement for, i responded with offer then another flurry of txt's/emails telling me they were trying to call me. i emailed them back stating that i had previously asked them not to phone and reiterated that i am totally willing to pay the debt off but at a reasonable and mutually acceptable amount but will not enter into phone convo with them. that was 5 days ago and heard nothing since.

you never know........i might actually have a peaceful weekend lol

 

hope all is cool with you

meecha

[spikescot2005]

Well a new debit card arrived today (i never asked for it) with different details so so pduk won't get there money at the end of the month as the old card is now canceled. So Im going to bite the bullet and default just to get out of this trap. I don't want to do this due to the affect on my credit record but i don't see another way out.

 

Do they phone your work?

 

Payment is due on the 26/11/09