Early Pay Day Loans - EPDL Trouble

[Bonus77]

Hi,

 

I have used EPDL, but my situation changed and I am unable to pay it back. I have written letters and repeatedly asked them to contact me by letter and not by phone. EPDL have called my work, mobile and home number. Not only have they been harrassing me, but they have phoned home and spoke to my wife about this debt.

 

I have cancelled all cards, but they repeatedly re-set up direct debits, when asked not to. They have not sent me bank details and have not replied to my payment proposal. I refuse to talk to them to get into a payment plan I can not keep to.

 

I am sending a letter stating harrasment by phone, I do not give permission for them to set up direct debits.

 

Anyone having problems? Wish I never used them.

[Jamie Kingston]

Bonus77, be in your situation 10 times over. get over it, they are going to talk to you, work out a plan that you can afford and begin by answering your phone and offering payment. I swear to you, that if you didnt ignore them in the first place they wouldnt of have to call more than once, trust me. Anyway, once an agreement has been reached, ask them to email confirmation and confirm bank details and that's that... easiest, simplest and cheapest way forward. good luck and keep us posted

[Bonus77]

Bonus77, be in your situation 10 times over. get over it, they are going to talk to you, work out a plan that you can afford and begin by answering your phone and offering payment. I swear to you, that if you didnt ignore them in the first place they wouldnt of have to call more than once, trust me. Anyway, once an agreement has been reached, ask them to email confirmation and confirm bank details and that's that... easiest, simplest and cheapest way forward. good luck and keep us posted

 

Nice piece of advice there!! Strangely enough I work I can not answer my phone, as well as work in a open plan office. I have luckily received a pm from someone who informed me it was harrassment. Not only that there are letters on here so surely letters suffix. Also talking to my wife is surely against confidentiality???

 

That was rather harsh considering it was a question! In future, giving advice that is clearly unhelpful with dealing with problems when my wife is a nurse and her shifts have been cut! Through no fault of my own!

Edited October 14, 2010 by Bonus77

[Jamie Kingston]

look, forgive me for being blunt for you, if you really want to deal with the situation tell them to call during your lunch break and you'll speak to them. if you really think that some harrasment letter's going to work you've got another thing coming mate... everyone who's got the situation sorted has had to go through this, or it will not stop... i assure you that if you answer the phone they cannot harrass you because they'll be NO POINT! you do what you want, but think about it logically, this company is nothing but a loan shark and i'm up against them just as much as you, the only difference is i NEVER ignore them so they hardly EVER call, if they call at work i answer and ask them to call on my mobile so i can speak, walk out the office have the conversation, if they agree great if they dont fine, what are they going to do if i continue answernig the phone, call again? what's the point... i hope you see where my advice is coming from, never meant to offend anyone...

[26072004]

Bonus 77, unlikely to get anywhere with harrassment. somewhere in your credit agreement will be a section giving them permission to contact you on any number available, if thats work, mobile it does not matter.

 

They can ring you 100 times at work if you dont pick up phone and talk to them its not harrassment as they are only trying to make contact. If you speak to them come to an arrangement,or even tell them you are unable to take calls at work, then if they continue to call you could have a case for harrassment.

 

unfortunately at the best they may get a small fine probably a slap on the wrist unless they are repeat offenders.

 

As for calling your wife unless she is party to the loan you have a very good case, if they discussed amounts, missed payments anything like that then you have a good case to make a complaint.

[sillygirl1]

I disagree with Jamie on speaking to them, you need to email them, that way you have positive proof that you have tried to deal with the issue long before they start piling on default fees and letter charges and phone charges.

 

EMAIL EMAIL EMAIL is the answer. Some of these companies are quick to try to use the court system so with the emails you have proof that you have contacted them in ample time, let them know of the change and try to come to an arrangement, most judges will frown on their terms and conditions as being unfair and as for their interest rates....

 

If they do phone send an email and state that you cannot discuss freely on the phone and you will automatically be recording the calls and using them as evidence should it be necessary.

[Jamie Kingston]

Silly Girl, i never said only talk, i said talk and then email for confirmation. You and i both know that if a lender is persistant enough we'll talk to them in the end. how about talking from the beginning and then emailing confirmation that way everyone's happy, wouldnt you agree??

[robjam1969]

Talking to them is fine but no use in court. However I agree that it helps stop the phone calls. I just answer my mobile and say I am in the middle of smething and will call you back then have conversation in private. Sound like a normal office phone call.

[Jamie Kingston]

noragchick, not very nice. i have given good advice and helped people on this forum countless times and no i dont work for a payday loan company. see how much good you;ve done with your six posts!

[cornetgirl]

Jamie does give good advice! It depends how you want to deal with them but it is VITAL to have everything in writing so that if it does escalate to court you have proof of your contact. If they ring you at work and you do answer it, just explain that you are unable to take personal calls at work and ring them on your mobile in a break if you can - even if it's to say it's all in the email and I want to keep a written record of everything.

 

They have no right to speak to your wife though - unless it's in both your names!

[robjam1969]

noragchick, not very nice. i have given good advice and helped people on this forum countless times and no i dont work for a payday loan company. see how much good you;ve done with your six posts!

 

I agree Jamie, a little harsh. I might not agree with your phone them at all costs approach but I don't think your motives can be questioned. Treat the 'idiot' comment with the contempt it deserves.

[Jamie Kingston]

thank you Cornet Girl and Robjam, always nice to see real people sticking up for others !

[sillygirl1]

I also agree with Robojam and Cornet Girl, noragchick sounds like a possible troll... however we do agree to differ sometimes on the advice but the general advice is if they call, confirm the call in email form and that should leave a nice trail...

 

I've seen particulars of claim from a PDL company stating "The defendant has been posting on an internet site and we therefore believe they have no intention of repaying this loan" when the posts are completely to the contrary (and have been included in the defence - nothing to stop either side doing that at the monent so be careful what you put).

 

As said on another PDL thread, I think the industry needs to be heavily regulated and all PDLs should be paid back over a three month period, if after that there are problems then there is obviously a deeper underlying problem either with the original company or the person who takes the loan out.

[Jamie Kingston]

sillygirl, agreed, maks a lot of sense.

[phil73]

Oh dear, where do I start with this one? It's a one man band it would seem. Luckily I moved jobs and changed my phone number so that got rid of him that way. Then he resorted to sending a letter to 'the occupier' of my flat, stating that he was considering taking legal action against 'a member of your household'. I replied, stating that you are not obliged to inform other denizens of an address of putative legal proceedings unless you could prove a joint or several liability. That shut him up - as he is a one man band it would seem. All this harrassment because I was a few days late with the payment I'd agreed.To start with, he did agree to a payment plan in writing but only because he got no response by phone. He is a very stupid person. Also worth bearing in mind is that his credit licence expired a while back.

[MARTIN3030]

2 posts unapproved.

Flaming/insulting others will not be tolerated and could lead to Moderation or even exclusion from CAG.

[Fagin61]

if you are dealing with EPDL, they will repeatedly set up Direct debits on your account without your authorisation at all times of the day/night. You need to be very aware of this. Cancelling your card will not stop this. If you have a savings account transfer your salary into this or open a basic bank account with the Halifax ( Easycash ) or the Co-op, both can be done online.

[MARTIN3030]

Oh dear, where do I start with this one? It's a one man band it would seem. Luckily I moved jobs and changed my phone number so that got rid of him that way. Then he resorted to sending a letter to 'the occupier' of my flat, stating that he was considering taking legal action against 'a member of your household'. I replied, stating that you are not obliged to inform other denizens of an address of putative legal proceedings unless you could prove a joint or several liability. That shut him up - as he is a one man band it would seem. All this harrassment because I was a few days late with the payment I'd agreed.To start with, he did agree to a payment plan in writing but only because he got no response by phone. He is a very stupid person. Also worth bearing in mind is that his credit licence expired a while back.

 

 

 

There are 3 people listed on their CC licence.;dawn louise hodson margaret elizabeth jordan tariq adam noor

 

http://www2.crw.gov.uk/pr/default.aspx

These are clear breaches of OFT guidance-you should report them.

[phil73]

2 posts unapproved.

Flaming/insulting others will not be tolerated and could lead to Moderation or even exclusion from CAG.

 

Is this meant for me? If so, I was only describing my dealings with this company and advising another poster that they will eventually agree to a payment plan via email. I do not think that I did anything wrong. I was voicing my opinion, which I thought I was entitled to do, and as I did not name any names, I do not see how anyone can be offended. If, however, this is the case, I can only apologise. If you are singling me out, this is unfair as other posts are far more abusive than mine.

[MARTIN3030]

No Phil this was not meant for you.

The user concerned knows who it is as do others posting on this thread.