Paydayloan Mess

[sleepydragon]

Hi Sleepy

 

Gavin is a bully so just refuse to speak to him.

 

He can only get to you if you let him. He has no power over you. He only gets to keep the account for a few weeks then he has to give to clarity. From what I have seen you can't negotiate with him so I wouldn't try.

 

Keep strong, you will be fine.

well heres an update on my ptp nightmare, had the usual i must get in touch email from Gavin, then nothing and then today i got an email yada yada saying hes checked my details Ni number and work etc hmm am sure theres got to be a data protection thing there ? anyway i have been warned to telephone him ASAP as thats the only way he wants to talk to me re my account.......... now i am so stressed out its unreal , any advice welcome

[sillygirl1]

Take the email to the police and ask them to treat Gavin as a stalker, and contact the relevant authorities in the USA and Canada and complain, they seem to be able to do things our authorities cant.

 

As long as you have your salary paid into a different bank account you should be safe. In my limited payroll experience you are NOT allowed to discuss payroll details with anyone other than the person concerned, and that is after various security checks. He can bluff about having your NI details but as far as I am aware there is very little to link your bank details via your NI no, if there was the authorities themselves would be checking everything possible in the guise of 'fraud and terriorist activities'.

 

You can get out of this hole, and are doing the right thing by continually emailing them, do not let Gavin get you down, he sounds like he is on hefty commission which is why he gets aggressive.

 

At the end of the day he is after money, and if he ends up getting none then he will be even more aggressive.

 

Stay calm and don't identify yourself on the phone, if you get calls from unidentified or unknown numbers don't answer them.

[fairclaire]

Hi sleepy

 

Sounds like your getting it a bit rougher than I am!

 

All I've had for 2 weeks is calls to my mob - the number is on my reject list. Then they started witholding number and it comes up as 'unknown'. On friday I had a voicemail asking me to contact them urgently. I have again emailed and asked for contact in writing only and have had no reply to that yet. I expect I will get the usual reply 'our collections department can only deal with matters by telephone'

 

TBH just waiting for them to pass me on to clarity now.

 

As for Gavin, the stuff about the NI number etc sounds like a big empty threat too me. Yes, he has your NI number, it's used to set up your account. Whether he can access any info about you with it is very doubtful. NI numbers are used by various government depts (I work for one) and ther's no way any of those depts would give out any info on you to a third party. Sounds like scare tactics to me. The only way he can know where you work is if you put on the original application. And if he were inclined to contact your employer I think he would have done it by now.

 

I know it's hard but stay strong. never answer the calls and politely reply to every email with the same answer - you will only deal with this in writing! Silly Girl's advice about the police is sound as well.

 

Hopefully it won't be too much longer before they pass you (and me) to clarity. Then it can be sorted out peacefully and sensibly without any more hassle. Do try not to worry too much and don't be bullied.

 

Let me know how you get on. Take care

[lostinspace1000]

as i read somewhere in this forum...its not a crime to be in debt. I now think its a crime to have internet legal loansharks! our government are trying to stamp out doorstep loan sharks (which are probably cheaper) but dont seem interested in the internet sharks! its like telling people they cant use a bow and arrow but its ok to use a gun......

[sleepydragon]

Hi sleepy

 

Sounds like your getting it a bit rougher than I am!

 

All I've had for 2 weeks is calls to my mob - the number is on my reject list. Then they started witholding number and it comes up as 'unknown'. On friday I had a voicemail asking me to contact them urgently. I have again emailed and asked for contact in writing only and have had no reply to that yet. I expect I will get the usual reply 'our collections department can only deal with matters by telephone'

 

TBH just waiting for them to pass me on to clarity now.

 

As for Gavin, the stuff about the NI number etc sounds like a big empty threat too me. Yes, he has your NI number, it's used to set up your account. Whether he can access any info about you with it is very doubtful. NI numbers are used by various government depts (I work for one) and ther's no way any of those depts would give out any info on you to a third party. Sounds like scare tactics to me. The only way he can know where you work is if you put on the original application. And if he were inclined to contact your employer I think he would have done it by now.

 

I know it's hard but stay strong. never answer the calls and politely reply to every email with the same answer - you will only deal with this in writing! Silly Girl's advice about the police is sound as well.

 

Hopefully it won't be too much longer before they pass you (and me) to clarity. Then it can be sorted out peacefully and sensibly without any more hassle. Do try not to worry too much and don't be bullied.

 

Let me know how you get on. Take care

 

hiya fairclaire,

well im still on the ptp miseryground! i dont know what to do anymore to be frank, i got the email from the lovely gavin saying i must respond via phone asap, and i sent him this email in response

Gavin.

> Thank you for your e-mail of the 22nd of january.Just following up and

> reiterating what i have said in previous e-mails to you and your company.I am

> only able to have any dealings with you or your agency by e-mail or letter.I

> an unable to pay any more than £XXX pcm.I will certainly respond via

> electronic

> methods or by mail but am unable and unwilling to speak to you on the

> telephone.Please take note that all e-mails and phone calls from you and your

> company are being recorded and may be passed on to the relevant authorities

> if

> required.

and then this morning omg i got this back from him im totaly mortified!!

XXXXX

It is quite obvious that the reason that you do not wish to speak regarding your

account is that you are not willing to deal responsibily regarding you debt. £15

per month is completely unacceptable. You have not even bothered to have the

courtesy to explain why you are only able to pay this amount. It is fairly

clear that you have taken this loan out under false pretences and therefore I

will be passing this onto 3rd party recovery who will contact you any way they

wish whether that be phone, email, door to door or by letter.

 

Gavin Armstrong

 

 

i did explain why i couldnt pay said ammount when due but thats fallen on deaf ears it seems ? and now im besides myself thinking that hes basicaly accusing me of fraud!! thats not the way it was after all i have been consistantly repaying these lowlifes since last june! i dont know what to do anymore am lost??

 

btw i hope things for you with these ptp peeps is better than im having??

kind regards,

Sleepy:confused:

[lostinspace1000]

wooo, this gavin sounds like a wizard of ozz monkey!

[fairclaire]

hiya fairclaire,

well im still on the ptp miseryground! i dont know what to do anymore to be frank, i got the email from the lovely gavin saying i must respond via phone asap, and i sent him this email in response

Gavin.

> Thank you for your e-mail of the 22nd of january.Just following up and

> reiterating what i have said in previous e-mails to you and your company.I am

> only able to have any dealings with you or your agency by e-mail or letter.I

> an unable to pay any more than £XXX pcm.I will certainly respond via

> electronic

> methods or by mail but am unable and unwilling to speak to you on the

> telephone.Please take note that all e-mails and phone calls from you and your

> company are being recorded and may be passed on to the relevant authorities

> if

> required.

and then this morning omg i got this back from him im totaly mortified!!

XXXXX

It is quite obvious that the reason that you do not wish to speak regarding your

account is that you are not willing to deal responsibily regarding you debt. £15

per month is completely unacceptable. You have not even bothered to have the

courtesy to explain why you are only able to pay this amount. It is fairly

clear that you have taken this loan out under false pretences and therefore I

will be passing this onto 3rd party recovery who will contact you any way they

wish whether that be phone, email, door to door or by letter.

 

Gavin Armstrong

 

 

i did explain why i couldnt pay said ammount when due but thats fallen on deaf ears it seems ? and now im besides myself thinking that hes basicaly accusing me of fraud!! thats not the way it was after all i have been consistantly repaying these lowlifes since last june! i dont know what to do anymore am lost??

 

btw i hope things for you with these ptp peeps is better than im having??

kind regards,

Sleepy:confused:

 

 

Sleepy,

 

I reckon that is just what you need! He might think the threat to pass you on to a third party fills you with dread. In reality is the best thing that can happen. Can they be any worse than him to deal with?? If you genuinely offer what you can afford, no-one can make you pay more than that. With any luck clarity will be happy to deal with you in writing and accept your offer of payment and this nightmare will be over.

 

You've done well....stuck by your guns and it looks like the dreaded gavin is giving up. My advice to you if he sends any more emails is to ignore them....bin them, don't even read them. He is a bully who will sadly be giving someone else grief by now. You haven't committed fraud....you're just short of money and fell in to the same trap as lots of others....like me!

 

Have a virtual hug from me:) and don't worry....

 

take care

[robjam1969]

Hi sleepy

 

Ignore Gavin, he is just about the biggest joke in a pay day loan company. There is nothing he can do and this half wit knows it. Much better to wait until he passes to Clarity.

[fairclaire]

Hey sleepy

 

whats happening?

 

I've heard absolutely nothing this end. No phonecalls, no emails and no letters from clarity.

 

Am just waiting now.

 

Feel like telling everyone else in this mess to do the same as we have done. Yes the phonecalls at the start were stressful and the worry was awful but the feeling of being back in control of my whole wages at end of last month (before payday people got their hands on it as soon as it hit the bank) was a very nice feeling!!

 

These people confuse me. Try to reason with them and they ignore you. They want all or nothing....and end up getting nothing through the way they deal with things....if I was them would take the reasonable route....but:)

 

Anyway sleepy hope all has been quieter for you too.....let me know x

[mashmallow]

Sorry if I but in guys but could not resist saying my part. I have 4 on the go and all of them have had to accept my offer it took me almost a year and half to get out of the mess now I am richer. Every who has a payday loan and cannot get off the roundabout should follow, soon these companies will be banned over here so I have been told. They threaten with all sorts but I just ignored them and told them they will be lucky to get anything from me as I have paid back their loans through the course 4 times over. They are just loan sharks.

 

Fell better now and sorry for intuding.

 

Mashmallow

 

XXXX

[Little Lady81]

Hi guys,

 

Reading these posts rings all too familiar with me....I have 2 pd loans - one with PTP where I defaulted last month and have had the "lovely" Gavin Armstrong chasing me and one with Quick Quid which will be defaulting this month, not looking forward to dealing with QQ as they seem a nightmare from some of the posts I've read on here. The general stance seems to be remain strong when you negotiate a repayment plan

reagrdless of the threats.

 

I've been on and off this merry go round of payday loans for probably the last 3 years (dare not even think of the interest I've repaid back) but since about Sept it's got out of control and I'm just reloaning to cover my previous loans all the time and finding very little money for anything else.

 

I missed the channel 4 programme but hopefully as Marshmallow said these companies will soon be banned from trading - I think they hardly promote responsible lending as PTP were prepared to lend me just £100 short of my salary (which when they have added there charges would have been more than my salary) and although never borrowed quite this much the temptation was there so how can PTP expect people to be able to pay back more than they earn

 

Anyway, just interested to know how people are getting on? Fairclaire, have you heard from Clarity? Sleepy - have you?

 

Good luck whatever situation you find yourself in. I've found some invaluable information on this site and think that it gives people some strength to help fight back against these bullies.

[merbie13]

Hi! Have just read all these post with intrest as i am going to jump off the merrygoround of these payday loans. When u can get to a agreement of repayment how do u make them? dont want to give debit card details out as just reported my purse stolen to get new cards ??

[grippakip]

Hi there,

 

I am in a similar situation and have read all the posts with interest.

 

I have payday loans with 9 of these companies and have been struggling to keep my head about water for months. Finally, last month, I decided to bite the bullet. I contact the debt charity CCCS and entered into a debt management plan with them. They take all your income and expenditure details and work out what you can afford to repay - make sure you are honest about it. Then they make offers to your creditors.

 

Unfortunately, I have not got it set up in time to avoid the sh*t hitting the fan this month, and it is my pay day tomorrow. I have cancelled my card and all direct debits, so hopefully they will not be able to get any money off me. I have sent them all the letter as advised by CCCS, and CCCS will be contacting them to offer a repayment next week. In the meantime I intend to tell anyone calling me that I am in severe financial difficulty and I am entering a debt management plan, and to contact CCCS to arrange repayment of the debts. I don't know if this will get them off my back, but I will let you all know.

 

So far I have found CCCS to be nothing less than excellent. If they can help me out of this mess I've got myself in, then I owe my life to them!!!

 

Good luck to everyone.