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Uncle Buck threatening Meritforce!


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Hi,

I have a defaulted payday loan with Uncle Buck which is the last in a long line i am trying to sort out. I emailed them saying it is not an option to roll the loan over which i have previously been advised and i need to set up a standing order of £25 per month to settle the account. All i keep getting back is no payment plan can be set up and if i dont pay £45 in the next 3 days they will pass the debt to meritforce to collect the account which will include a visit to my home or work address. Having read previous threads i know that Meritforce are part of Mackenzie Hall, whom i have dealt with previously (another story completly, numpties :roll:) Anyway I just don't know what to do as I do want to pay the debt off but can't afford to pay anything until the end of the month but by this time it will be passed to Meritforce and i'm really scared someone will turn up at my work, if this happens I iwll be in so much trouble and also if they turn up my house it will send my mum into turmoil, she suffers with epilepsy and suffered a breakdown a few years back and really does not need people like this turning up and making threats. I just don't know what to do in regards to making payments? Will Meritforce accept payments or will it be another case of constant bombarding with threatening calls and letters saying they can't accept payment plans and want the whole balance. I just can't afford to pay out £300 all in one go. I know this is my fault but I really want to sort it out just want to know the best way to go about doing so in this situation. Any help is apprieciated. Thanks in advance x

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Hi Suepoo

 

Stick to your guns. Meritforce are just their DCA of choice and have been known to send account straight back to Uncle Buck when they realise you can't pay the monthly figures that Uncle Buck have requested.

 

Whichever way highly unlikely they will appear at your door as this is a common threat and you don't have to answer or let them in.

 

If you need some more reassurance PM me and I will give you some specifics on my dealings with them (I don't want them to recognise me on here). I don't have their bank details for a standing order but I imagine other caggers probably do.

 

Good luck

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uncle buck..never heard of them thought it was a movie with john candy!

 

unless they have court orders they cannot enter your house and reposses anything -deal in writing only-refuse to take phone calls and change your bank acct details so your salary can be paid to a acct that will not be debited -then u can work out what you can afford and offer it to them -they want there money and in the end they will have no choice but to accept what you offer them.

 

i have found that wonga.com and quick quid have been the best i have used i have a mate in the industry that has said a new company called speed-e-loans.com will be launching in 2010 and they are aiming to be better than these 2 major players ...keep ure eyes peeled chaps.

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  • 2 weeks later...

Hi,

Just a quick update. I still have had no joy with arranging monthly payments but i haven't heard anything from meritforce and its been over 3 weeks now :rolleyes: anyway today i checked on my internet banking just to work out how much i would have left out of my wages tomorrow for christmas shopping and i discover that they had set a direct up under the name PLANDEAL LTD obviously i cancelled this straightaway! Just wondering if they can do this because i find this ridiculous they have set this up without me knowing and im quite angry to be honest that i have offered reasonable payments and this is happening. I know people will say set up a new bank account but i am just developing a good reputation with my bank :-x

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Hi,

Just a quick update. I still have had no joy with arranging monthly payments but i haven't heard anything from meritforce and its been over 3 weeks now :rolleyes: anyway today i checked on my internet banking just to work out how much i would have left out of my wages tomorrow for christmas shopping and i discover that they had set a direct up under the name PLANDEAL LTD obviously i cancelled this straightaway! Just wondering if they can do this because i find this ridiculous they have set this up without me knowing and im quite angry to be honest that i have offered reasonable payments and this is happening. I know people will say set up a new bank account but i am just developing a good reputation with my bank :-x

 

I was annoyed that I had to set up a new account for the same reason, Soo - BUT, if you just set up a new account with your existing bank, the relationship will continue. It's better for the relationship in fact, because they WILL keep setting up new DD's, and eventually you will end up bouncing some. Seriously, you won't regret it as I learned from painful experience. ;)

 

Actually, I eventually ended up setting up a current account with my local credit union (I KNOW I keep banging on about this, lol) and it was the best move I ever made. I actually know the staff (all 2 of 'em!) by name, and if I ever have a problem with anything they bend over backwards to help. If there ever is insufficient funds to cover something, the charge is a fiver instead of £30 - far less likely to send you into a spiral you can't get out of. Just sayin'. :D

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Report PLANDEAL LTD to Trading Standards, that is very illegal of them indeed.

 

You also need to remember that if they send somebody round at work that is a gross infringement of the OFT Guidelines on debt collection and you can report them directly to the Financial Services Ombudsman and the OFT for that little act - in fact I would report PLANDEAL LTD to them as well.

 

Don't forget to instruct your bank in writing that PLANDEAL LTD have no authority to withdraw any money whatsoever from your account.

 

Go to the police as well and report them. If you get fobbed off with 'its a civil matter' get the name of the officer/person you report to and report them to the Chief constable of your area.

 

They should not be allowed to do things like this but unfortunately they believe that your money is now theirs by right...

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So now the direct debit is cancelled it should not come oput is that correct? I went into my bank at lunch and told them these people are not authorised to take anything! i am just so angry as i do want to pay this back but in monthly installments because i cannot afford all in one go but they dont seem to understand this i am getting really stressed out by this and worried everytime the phone goes at work, i sent them the telephone harrasment letter and the calls seemed to have stopped thank god! i just want to be able to pay this back at a rate i can afford! I have reported them to trading standards :)

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  • 1 month later...
Hi Robjam

 

I have a very similar situation brewing with UB - can I PM you for some advice?

 

I have responded to your pm. Typical UB only willing to accept 3 month plan. They can only have what you can comfortably afford. Nothing they can do about it.

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  • 2 weeks later...

I have heard nothing back from them about this. I have emailed them but no reply! I am getting quite frustrated because I just want them to reply accepting my £20 per month because I know that everyday they are adding more interest on :mad:

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  • 2 weeks later...
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