Jump to content


  • Tweets

  • Posts

    • i would suggest that you stick to researching on here only. use our search top right for say CTAX or liability order.   you seriously have some wild theories, but those are understandable.   as i have said, there won't be a court hearing you need nor would that help you at all nor are expected to attend, it's not like that, it's merely a rubberstamp exercise .   there is no right of forced entry for bailiffs collecting CTAX debts. the bailiff process is one of a letter which will be entitled Notice of enforcement, this gives you 7 days to pay the sum it outlines with an associated fee of £75 for it being sent. the 2nd step will be a visit, you have no legal remit to engage with them at all, i i would not do so under any circumstances, that visit will add a further £235 fee those are the only things a bailiff can do. the most they can charge is a total of £310.   police do not ever get involved in civil matters like CTAX debt. not sure where you ever got that idea from.   its saturday now so use the W/end wisely, get reading up HERE ONLY it might well pay you on monday to go RING the council CTAX dept and plead poverty etc etc. it might also pay you to find the email address or even better phone number of your local MP and get him involved. they can do wonders.   dx 
    • NPAP see here: VCS Spycar PCN PAPLOC now Claimform - no stopping - London Southend Airport ***Claim Dismissed*** - Page 7 - Private Land Parking Enforcement - Consumer Action Group
    • Hi Stu and dx1000uk,   I have done the online assessment and as I suspected I already receive the maximum benefits available to me.   Yes I was referring to the fact that some times I know that non-payment of council tax can lead to imprisonment so thanks for clarifying.   let's say I can't make their demands for payment and they do send bailiffs in, I assume these are the type of bailiffs I can just not let in and then after a certain amount of attempts they give up right? does the council then not send the police round? This is what I can't work out and worries me.   The council already know that I am struggling and can't make the payments but when do I get my chance to tell a court or the police that it's not that I don't want to pay but that I can't pay?    Walshy
    • Hi Stu and dx1000uk,   I have done the online assessment and as I suspected I already receive the maximum benefits available ot me. Yes I was referring to the fact that some times I know that non-payment of council tax can lead to imprisonment so thanks for clarifying. But let's say I can't make their demands for payment and they do send bailiffs in, I assume these are the type of bailiffs I can just not let in and then after a certain amount of attempts they give up right? But does the council then not send the police round? This is what I can't work out and worries me. The council already know that I am struggling and can't make the payments but when do I get my chance to tell a court or the police that it's not that I don't want to pay but that I can't pay?    Walshy
  • Our picks

    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
        • Haha
        • Like
    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 33 replies

Can't pay back my PAYDAY Loan, help???


Please note that this topic has not had any new posts for the last 4029 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Hi Everyone

 

I have been struggling over the last couple of months with money, as my partner got made redundant....

 

So what a stupid thing to do, we decided to take out a payday loan through PoundsTillPayday a couple of months ago, well this is the third month and it has come to the point where we cannot afford to pay them back on the 30th November as the money will not be in the bank...

 

What do we do? Do we cancel the Direct Debit? Will I occur any charges? I am worried sick over it and do not know what to do....

 

Any response will be helpful?

 

Thanks in advance :)

Link to post
Share on other sites

Pounds Till Payday Will Hastle You For A Few Weeks And Pass It On To A Dca Called Clarity

They Dont Default You And Clarity Will Set Up A Payment Arrangement

 

Important

 

Cancel Your Bank Cards, Ask Your Bank To Put A Stop On The Cards And Issue New Ones.

If Not They Will Still Debit The Cards By A Continuous Credit Mandate

 

They Just Want There Pound Of Flesh And You Will Get There

 

This Is From Personal Experience

Link to post
Share on other sites

Clarity will write you a letter and will be much more professional in their handling of this.

 

The biggest advice here is to cancel your debit card and your direct debit. If they have your debit card number they will milk your bank account for every penny you have. It is then almost impossible to get the money back - in fact you probably wont.

 

Please don't panic - it is an understandably difficult situation to be in but PTP won't care - Clarity will be much easier to deal with.

 

Take care and try to stay calm.

Link to post
Share on other sites

HI THERE

I DEFAULTED WITH PTP LAST MONTH. THEY ADD ON£59 INITIALLY-THEY WOULDN'T ANSWER MY EMAILS TELLING THEM MY SITUATION. THE ADVICE IS NOT TO DEAL BY PHONE AT ALL BUT I CONTACTED THEM AFTER A FEW CALLS AND DISCUSSED MY CASE AND BEREAVEMENT ETC WITH SOME ONE CALLED ELDRIDA? I THINK. ANYWAY THEY COULDN.T ACCEPT ANYTHING BUT FULL PAYMENT- THEY HOLD ONTO THE ACCOUNT INHOUSE THEN PAss IT ON - IM ASSUMING ITS TO CLARITY SO I WILL HEAR IN DEC SOMETIME - WAS INITIALLY WORRIED BUT AFTER THE CALL I FEEL MUCH LESS STRESSED AFTER READING SOME HORROR STORIES - IT DEPENDS WHO YOU SPEAK TO. GOOD LUCK AND HANG IN THERE.

:)

Link to post
Share on other sites

If you can set up a separate account to have your salary paid into that would be a good idea, some of these companies have a habit of 'dipping' into your account when they think fit to see if you have funds paid in. They go for amounts like £1 or £3 and sometimes £10.

Link to post
Share on other sites
If you can set up a separate account to have your salary paid into that would be a good idea, some of these companies have a habit of 'dipping' into your account when they think fit to see if you have funds paid in. They go for amounts like £1 or £3 and sometimes £10.

 

They can't dip into my account as I have reported my debit card lost and its been cancelled, also cancelled the direct debit on the account.... I can't set up another current account as I have bad credit rating and I like banking with the bank I have had for the last 10 years. Do they have a right to dip into your account when you haven't authorised them to do this, no that is fraud and yes I am sure they can get done for this...

 

Thanks for the advice...

Link to post
Share on other sites

When you sign up I am sure they have some sort of clause which in basic terms means they can take the money how they see fit. Just beware, even though your card is cancelled sometimes they can get round this and leave you short. What i havedo is set up a savings account with my bank so i can transfer everything into that and then just dip in when i need some. Its a hassle but it means i keep the money not them

Link to post
Share on other sites

Cancelled Direct debit today, also cancelled my debit card as well. Just wandering are PTPD allowed to re-set the direct debit up without my permission?

 

The bank said I can cancel this on my side, but they can set this back up if I have previously agreed to this, is this true??

 

Thanks in advance

Link to post
Share on other sites
When you sign up I am sure they have some sort of clause which in basic terms means they can take the money how they see fit. Just beware, even though your card is cancelled sometimes they can get round this and leave you short. What i havedo is set up a savings account with my bank so i can transfer everything into that and then just dip in when i need some. Its a hassle but it means i keep the money not them

 

 

I can't see how they can get money from your account when I have cancelled my sirect debit and my bank card....How???

 

I have a savings account, but it's a online banking one is this ok?

 

Thanks

Link to post
Share on other sites

Calls started today, apperantly because I cancelled my direct debit it has been passed onto an account manager, she rang today asking why i cancelled the DD and also when am I going to pay, because they don't do rollover's...I said I sent a email explaining I have been made redundant (with no redundancy pay as only been there 1 year) and can't afford to pay it back, well that was it she started giving me the stuff, like you signed the contract etc...

 

She said she is going to call back in a week's time, do I answer the call as they only have my mobile phone number and nothing else...If I ignore the calls will they pass it onto the collections department as previously said by a few people on here

 

Thanks in advance

Link to post
Share on other sites

ignore all the calls, it will eventually be passed on, i am going thru the same things at the moment and so are hundreds of others your not alone hunnie, just keep making sure they dont reset up the direct debit, change your number on the website give a fake one, it might hold them off for a while, but do not speak to them.

 

everyone on here is very helpful, i couldnt of done it without their help and we will all help you.

 

keep going hunnie your doing well so far.

Link to post
Share on other sites

OMG!!!!!!!!!!

 

I have just checked my account and to my superise they have added £155 on top of the outstanding loan! No way I know it was going to happen, but I aint even defaulted on the loan yet lol

 

Is this right??

Link to post
Share on other sites

Hi Donna

 

They normally charge £59 after you default so your figure is a little odd. Nothing changes though, wait for Clarity to contact you and then only negotiate a settlement/monthly figure you are happy with.

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...