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Safeloans wont accept offer, transferring debt to DCA!!


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I have sent Safeloans an offer using their email address. Today i recieved a respond through email. They also sent a text message to my mobile!


I am including them both here! Can anyone suggest me what to do?


DCA will add charges or they will buy the debt with charges already added! I offered safeloans that i could pay the initial deposit and one month interest (which is what i owed originaly!) Now if it is transfered to DCA, it means it will cost more and more likely DCA will place a default on my account!


By the way, i have never received such letter from any DCA until today!


Here is the email and the text i have received.



Hi Mr. iceboy,

Your account has now been passed to ACT Debt management.

Please contact ACT on : 0203 1500 150

With kind regards,

Safeloans Ltd T/A Paydayok


Text Message

Mr iceboy;

as you failed to discharge the debt which you owe to our client, Safeloans Ltd, your file is being transferred to our Legal Department. Legal proceedings will be instigated against you and secured by County Court Judgement (CCJ). This may be enforced by an Attachment to your earnings, or by Bailiffs. You must telephone ACT Credit Management Ltd IMMEDIATELY to avoid legal action on 020 31500 150, quoting reference: xxxxxxx



Any ideas what i should be doing?


Many Thanks

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If you read some of the other payday loan threads here it is unlikely that they will go to court. If they do go to court we can help with a good solid defence and then get the CCJ set aside or discontinued.


It is only when a CCJ is granted (and this is not just ISSUED by the claimant - as some companies like to claim now) by a judge and payment is NOT made that they can start further proceedings to have an attachment of earnings or send a bailiff round.


You CANNOT issue a CCJ with an immediate bailiff visit - that is a total abuse of court process.


Sending a debt to a collection agency with loads of additional charges is a no-no according to the OFT so you can report them to Trading Standards should they claim additional charges.


If they claim court charges and have not yet started court you can get these taken off immediately - it will have the effect of making the charges part of the loan unenforceable.

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