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    • This is what I do not understand It was for a data sim card where EE took £20 in advance for 20gb of data each month on a month by month rolling contract and once I had used the data it would switch off so impossible to use any more than I had already paid for. If I wanted to carry on using it i would have to log on and pay another £20.   I used the service for a few months and then did not renew the contract and heard no more    My bank account was used for ID purposes only and was my main bank account with all my wages and d/d and held for 7 years plus, no insurance was taken out and no other accounts opened.   This is my point EE have listed this and has no connected with the data they have entered        
    • I am aware of this treatment. Field Debt Solutions approached me at my door claiming to have a warrant of entry, (one of many lies they used) they KNEW I was classed as vulnerable prior to the visit. This was (later found out by The Ombudsman) allegedly to install a pre payment meter (They know I can not use one). Long story short: I was threatened with criminal damage, the police and them not moving till I let them in. They stated they had a warrant, they did not. One FDS employee was waving a crowbar and smiling, the other was basically terrorising me through the window. I complained to EON and all that they did was lie further, covered up their behaviours After contacting the OMBUDSMAN all the truth came out. I am totally disgusted with the way this company operate. I am equally disgusted that the Ombudsman ere not taking any of the FDS Employees behaviours into account (yet all my claims were upheld) this feels like this section of the whole process is left wide open and that's why this is happening imho. The Ombudsman made me feel like they work for EON, (when it came to the consideration of the employees from FDS, they seemed immune to scrutiny) a very confusing and shocking experience when the penny drooped. I have looked at CISA (?) whom are some sort of organisation who debt collection agencies register with (no idea what for) anyway, FDS are not registered, I can not find them anywhere, they are like some sort of enigma and this is where i am thinking how they are protecting themselves from scrutiny and people gaining remedy from them. I also witnessed a EON employee telling me that "FDS do not have to answer anyone," they would not give me any way of complaining directly to them as is the Gov's advice before A Small Claims Tract. I am just making sure now that I record all my efforts to do what I can to give a chance for FDS to attempt to put right what they did to me. I have witnesses and I intend to take them to court. EON has damned them and all the info they provided shows how messed up and disgusting they are, I seriously have witnessed staff laughing at me on the phone when I am trying to tell them what happened. I t seems if you do not pay a bill (in my case this was out of my hands) Then your deserving of what seems to me an inside laugh as the know how we (the vulnerable) get treated when FDS turn up, yes, very much felt this and challenged one employee once.. I have spoken to a Solicitor and they are happy  to do something for me over this. Also the police were phoned by myself even though they threatened me with police "To Help Them Take My DOOR OF ITS HINGES" The police did turn up, they told me that they rarely ever turn up for these idiots as the FDS and others attempt to use the police through bull crapping them. They also said go through a few hoops and if your not happy come back to them, I have a mobile number as they said that a crime number would come after I have exhausted the other moves. They do not like these Debt People one bit, that was comforting. Sorry if this is a little all over but it was all over complexed (I can see why now) but  just wanted to share my experiences and I will be happy to share further if anyone needs to know. I am still wondering what to do but one thing is for sure, I will not be going away, EVER! good luck
    • what does it say if the claimant fails please?
    • Thanks for the feedback.  We have a professional surveyor friend who is willing to give an opinion, and once done as you say, there's no reason not to inform insurers. And as Eric's brother says, that will also give us, hopefully, a more specific discussion with neighbours. No, we can't view the neighbour's roofing from where we are, and neither can they as it's under their conservatory (we always thought it was a bad move on their part to cover felting with a conservatory!) Interesting that council have enforcement powers, hadn't realised that.  I've also had a builder advise, without visiting the site, that the dividing wall (which may be double-skinned) should have waterproof capping, which it doesn't; so maybe a simple solution is to install that across top of both sides.  Anyway, some next steps for us to take so thanks again.
    • un-en doesn't mean its written off but SB'd passing does.. and no why should you get the money??   they are notional charges that weren't paid by you anyway in the 1st place as there is was outstanding balance greater than the refund.
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    • Hi,  
      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
      I put a few things in my trolley and then did a shop.
      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
      I did and they took me upstairs.
      I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
      I know its unacceptable but I was distracted and Initially hadn’t really planned to use scan and shop.
      No excuse.
      I offered to pay for the goods but the manager said it was too late.
      He looked at the CCTV and because I didn’t try to scan the items he was phoning the police.
      The cost of the items was about £40.
      I was crying at this point and told them I was a nurse, just coming from work and I could get struck off.
      They rang the police anyway and they came and issued me with a community resolution notice, which goes off my record in a year.
      I feel terrible. I have to declare this to my employer and NMC.
      They kept me in a room on my own with 4 staff and have banned me from all stores.
      The police said if I didn’t do the community order I would go to court and they would refer me to the PPS.
      I’m so stressed,
      can u appeal this or should I just accept it?
      Thanks for reading 
      • 16 replies

Huge Payday Loan mess - making progress!

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Firstly I just wanted to say a big thank you to this site for all the great advice and support that it’s provided. I would never have had the courage to get off the re-loan roundabout without it.


I let myself get completely out of control with payday loans (never again!!) so wanted to give you an update on my experience with sorting out PP’s with the the lenders:


I have set up payment plans with Payday UK, Wage Day Advance, Debit Card Loans, Wages Today, Uncle Buck and Microlend all relatively easily. All of these companies were very pleasant to deal with and were happy to take a reduced amount to clear the debt as I was very honest with them. I have offered very realistic payment plans which should clear the balance in 3-4 months. These loans were all small in size so easier to pay off more quickly.


Cash Genie – 3 month payment plan agreed. Interest/charges frozen – they do keep sending me the standard ‘your loan is overdue’ e-mail but I am continuing to pay and will be clear next month


Capital One Finance – I’ve set up a 6 month payment plan with these idiots @ £50 per month. Once you finally get through to someone via phone/e-mail they are ok to deal with but it takes ages to sort out as they just ignore you. Keep e-mailing with the subject ‘complaint’ and advise that you are keeping all the e-mails you are sending so should they take any further action, you can prove you have tried on numerous occasions to offer a repayment plan. I think I sent an e-mail a day for a month with the same message! Someone finally got fed up with me and replied!


EPDL – proving difficult. I’ve noticed that they have today re-instated my DD for the full amount of the loan. Luckily I caught this and got the bank to recall the money (I have changed all my cards/bank account details anyway so it would have been rejected, I guess I would have been charged though)


Lending Stream – still waiting for a response. Has anyone else had any luck here?


And finally....


Like many others I am struggling with PTP and QQ. That said, the calls seem to have stopped and I’m e-mailing them regularly stating the same payment plan offer etc so I’m hoping PTP will get passed to clarity soon so I can start clearing the balance.


Anyway, for all those reading this who are in the same position, do something about it now. I promise it isn’t half as bad as you expect it to be (I barely slept the night before I defaulted on them). Be honest with the lenders, most are sympathetic and for those that aren’t, be fair with your payment offers and stay strong.


I should be out of this mess in 6 months time and I’m so looking forward to not having to worry about rollovers and reloaning ever again!!!

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I've nearly set up all my payment plans too - QQ and EPDL to get sorted as they haven't made contact, the others have made contact but Wonga are ignoring me and PDE are dragging their heels!


I have to say I didn't sleep last night but now I feel like a weight has been lifted from my shoulders. It may take me a year to finally clear but boy oh boy it's gonna be worth it!!

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Well done with being honest with so many of the lenders - its obviously proven useful. I dont think there is anything more you can do with the idiot lenders who wont accept smaller repayments, plain stupid is what i think. Just keep badgering them either they will accept or a debt collection agency will accept for them... good luck.

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Agree with all the above...

there is a light at the end of the tunnel

Just need to step out of the spiral and take control.

Much easier once you take charge of the situation.

For what it's worth, i managed a 12 month repayment plan with Wonga!

Am still waiting for a call from paydayuk who have had "my" offer several times now by email...

QQ are the difficult ones so far....seems like they are totally ignoring every email i send.....but at least i have a record.

Good luck everyone

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