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      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.
       
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      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
       
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Anyone had any dealings with this company?

I am currently trying to get myself of the payday loan merry go round and am down to 3 (from 8)

Mostly they have been ok but what I have been doing is just defaulting and trying to reach payment plans and if they say no I just let it go to the d.c.a who so far have all accepted my £10 a month offers.

I also have had no calls at work from other companies what surprises me as I know they have had me number…?

So does anyone know what this company are like?

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Not too bad to deal with directly, depending on who you get and how much you owe. Offering £10 a month is a start but how many companies are involved and how much do you owe... you might be better snowballing the debts, ie paying off the smallest amount in two or three months and leaving the others to a smaller monthly payment and then they will start making you offers!

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i think to get WDA to agree you'll have to try and get payments split by 6 - 9 months...

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I have only offered £10 per month to the ones with the d.c.a's i am/have offerd more to the ones still with the actuall companies.

 

breakdown is-

 

qq-750

ptp-530

m.shop-350

cash genie-156

w.d.a- 430

mr lender-150

lending stream-350

payday express-200

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qq-750 with Mackenzie hall £10 per month

ptp-530 with clarity £10 per month

m.shop-350 with there head office £30 per month

cash genie-156 due to be paid in full this month (im good to pay this)

w.d.a- 430 due to default

mr lender-150 paid in full already

lending stream-350 due this month

payday express-200 defaulted last month not heard anything yet.

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In a carbon copy situation as you and wagedayadvance have asked for an I&E form before accepting my offer of £40pm off the balance of £312.50.

 

I'll let you lnow what they say once I send a very basic response to them.

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jk1961- thanks

Did they pester you on the phone when you defaulted?

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and do i need to keep checking the bank account for rouge direct debits being set-up?

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yes, keep checking for DD, they will try and re-instate...

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had one or two calls but nothing too bad. they removed my work number as soon as i asked and have dealt with me via email since

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Wda are one of the better ones albeit they do like their I/e form. Up to you wether you provide it. They do pass to a dca if you don't reach agreement. A friend of mine refused to provide the form and has heard nothing for over 6 months. The dca just returned it to wda.

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WDA are a stranmge commodity. I had a loan that was rolled over several times until i defaulted around 2008. They passed to a DCA in Liverpool (DRS??) who provided me with an inelligible CCA and i placed the debt in dispute.

This was in May this year and ive heard nothing since. Im surpised WDA have not contacted me or had another DCA chase it up. This is one i have not sorted out yet due to cleating all other debts this year.

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WDA are ok to deal with but review after 3 months and want to up the payments. I managed to negotiate with them but they are generally fine.

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If there is any guys out there who have had dealings with these people please advice.

I recently had a loan with these sharks and paid it in full , well the d’d was accidently canx and they took it out on my card the same day (the due day) no problem.

The problem is they also took 3x £12 charges = £36 out as well. Obviously I was thinking what this is for.

So I emailed them to ask to be told they are default charges.

So I replied confused “why 3 charges as only 1 loan and 1 d’d”

I was told they take there payments out in 3 instalments as do many other p.d.l companys.

I have now gone through there complaints process and got a full and final response from them and fired a letter of to the ombudsman yesterday.

The basis of my complaint is the obviously these charges are excessive and mainly there charging structure where they take there payments in 3 instalments is clearly designed for to charge people silly charges if there payments don’t go through.

What baffles me is even making this point to them and telling them I will be taking this to the ombudsmen they still would not refund the charges.

Ha ho do you think the ombudsman will actually do anything, as the ultimate goal would be to get them to be forced to change this system of deducting in 3 instalments as it is clearly daylight robbery.

Anyone got any thoughts on this.

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P.s it says nothing in the t & c's or the contract they sent me about them taking the d'd in 3 installments.

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I would point out to them that the FOS will charge them £400 to investigate the complaint so they would be better off giving you the £36 back!!

 

Give em 7 days in a Letter Before Action e-mail (bold letters may help)

 

Couldn't tell you what the FOS would do

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It’s too late for that now the letter is in the post to the fos.

As i was saying above the ultimate goal would be the fos making them change the way they reclaim there loans as there is no need to take it in 3 transactions. it is just done like that to charge you 3 lots of £12 if it does not go through. Hopefully my complaint will bring this to attention and hit them where it hurts "there pockets".

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Looking at credit agreements i have the companies all state the repayment will be made in one installment.

 

Check your credit agreement.

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I was just thinking about this the other day and would like your thoughts on it.

 

I have been on the payday merry go round for about 2 years now, I am nearly of and can’t wait only 2 to go.

 

Anyway that entire aside when I first started taking payday loans they would transfer the money the same day no charge.

Now the last year or so all of a sudden they have been asking for fees for this service I have even been asked for £25 by one company!

All the p.d.l companies tell me/us “it’s what the bank charge”

If that’s the case you’re telling me if I borrowed £100 when you didn’t charge this fee you would pay the charge and only make £5-10 pounds in total from lending a £100…. I think not.

 

I believe this is some fabricated lie to make more money and it needs to be brought to attention.

 

Anyone have any thoughts on this if I am totally wrong please feel free to shoot me down!!

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26072004

 

Already checked it and just checked it again to be sure there is no mention what so ever of them taking there payments in 3 installments. Thats the main thing thats got my back up.

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They cant charge you extra because they have a policy of taking the payment in three instalments.

 

just looks like another money grabbing exercise.

 

Are they now saying you just owe them £36 for the unpaid DD's??. If so I would send them a chq for £12 (difficult to argue as the DD was not paid) and tell them to take you to court for the £24 - love to see that one go in front of a judge.

 

hopefully the FOS will make them see sense, but how many people do they do this too and they dont fight it and end up paying. The payday loan market is with us for good but some regulation is required and very quickly.

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26072004

 

Too true. The problem with it is they took the charge strait out of my account along with me loan (without informing me). So they already have the money I am sure the fos will make them see sense and I will be launching a attack on the 3 payment structure through the fos. As like you said it is just another money grabbing exercise.

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Banks don't like publishing charges but I am sure the cost of a same day transfer for these companies is in single figures. They will of course be doing them in bulk at a lower cost I suspect.

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I think a chaps payment (guaranteed same day transfer) costs between £11-15.

 

As Robjam says they may get discounts for bulk business.

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