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Hi All,

 

I have just been informed after defaulting a £150 payday loan with WDA that they have passed my debt onto a DCA called DRS.

 

I have been on the DRS website and they seem to pride themselves on harrassment, bullying and 'letter before action' techniques, in which they boast on average forces the debt to be paid within 21 days! What a complete shower of shisters they are!

 

Can anyone please advise on what steps I can take in anticpication to the letter from DRS. I had offered a generous payment plan to clear the £150 with WDA within 2 months but this was refused when they were trying to add 3 months interest and a £36 default charge.

 

I have sent an email to WDA stating I have contacted the media and TV watchdogs about their behaviour. In addition, I have stated I have reported my problems to the OFT and FSA. I guess this is unlikely to cause them to change their position.

 

All comments welcome

 

Cheers

 

Willo53

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Hi Willo

 

DRS like sending important threatening letters. Ask for a copy of your CCA and put the account in dispute. They generally then pass to Scotcall who you can basically tell to sod off as the account is disputed.

 

On the brightside DRS will accept a monthly tenner from you if you want to pay over a reasonable period of time. they will bleat on about reviewing in 3 months etc. They will want an income expenditure form but you again just refuse.

 

these lot are generally easy to deal with.

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Thanks Robjam,

 

What is the best address to send the CCA request to DRS? I can hazard a guess that ridiculous interest has probably been added to the account. Does anyone think they would accept an offer which would cover the original loan amount of £150 if paid say within 21 days?

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