payday express help please **

[Gers1]

Hi there I recently took a payday loan with express.

 

I phoned them up before my loan was due to tell them I had lost my job and I wouldn't be able to pay them and the person I spoke to just hung up the phone!!!!!!

 

I recived a letter today off them saying that I hadn't spoke with them !!!!!! So I called them up this afternoon explained that I had lost my job so am on benefits now, they want £60 upfront fee now, lol which I don't have. I told them I won't get any money till the 11th march and he said if that's the case you will have to pay £350 to clear the debt. I don't even get that a month now. So then I said are you still going to try take money out of my account he said yes everyday, I said no point mate the account us overdrawn so it's waste in your time , he said it's not wasting our time. So I just hung up the phone.

 

I have managed to set up payment plans with Wonga which was not a problem and were very understanding, and with payday uk but I had to pay £30 to get it setup.

 

 

Am total sick of the phone calls now.

[silverfox1961]

Hi and welcome to CAG

 

I have moved your post from the end of an existing thread and given you one of your own so that you won't get missed.

 

I notice you also have posted your query in our blogs section. I am going to remove it from there

[ihateyes]

you will need to close your bank acc and set up a new one.

Trust me wonga are well known for taking an extra dip, and the last thing you can afford is one of these companies doin the same.

express are scumbags for this.... how they get a credit license, is beyond belief

[Gers1]

A haven't closed my account yet as it is overdrawn. Can I still close it as I dont have the money to clear it

[ihateyes]

i would advise your bank u believe your bank account has been compromised. and they should give u a new sc and account number!

[Gers1]

Thanks. Will the paydays still be able to dip in to the account. Plus I still haven't heard anything for payday uk. Am just about to email them saying that I want to set up payment plan but they want an inaital fee up front which I don't have. I don't want to wait till they send it to a dca cause they will just add more on to this. Ahah wish I never took payday loans out. They boil me big time

[Jamie Kingston]

as long as you card has been cancelled properly then no and obviously no DD's are set-up...

[jellycubes]

Its always best to tell the bank your wallet was stolen ie in the pub etc as this puts a full block on the card not a partial one. Just be careful as you ve told them the date you will have money and they are ruthless pigs. For extra measure get a basic bank account for you benefits so that in future they can no get any money at all without your total control. Co op cash minder or bank of scotland / halifax easy cash, step account natwest. Hope you find a new job soon x

[Gers1]

Just recived this email off them

 

Thank you for your recent email and your request for a repayment plan.

*

Our accepted criteria for a repayment plan is as follows:

*

Severe Disability or illness

Imprisonment

Terminal illness or Mental illness

Deceased

Redundancy or Reduced hours (contractual hours reduced by company)

*

If your financial circumstances have changed due to one of the above, we would be able to consider a repayment plan.

*

We will require you to send in bank statements and wage slips covering the last 2 months to show that you are now in receipt of either financial support or a reduced wage.* If you are now unemployed we will also need to see proof of unemployment or redundancy.* Alternatively if your circumstances have changed due to personal illness we will require evidence in the form of a doctor’s note or hospital letter, as well as the bank statements.

*

Please be advised that if you do not fit the above criteria or you are unable to provide documentation, a repayment plan cannot be considered.

Should you wish to discuss these options or your account please call our office on 0208 461 6705 and one of our advisers will be able to assist you.

*

Please do not hesitate to contact us should you require any further information.

*

Many thanks

[Cait116]

Yep, I got the same email from them Gers. Now who in their right mind would worry about freakin' payday loans if they've been told they have a terminal illness ffs! OR DECEASED LOL

[Cait116]

Maybe I'll email them and tell them not to bother any more - I'm dead!

[Gers1]

There crazy mate. Haha go for it glo. I might email them sayin I have a terminal illness and it's because of all the stress you have caused me by harrsement. They are mental they could of just sent that letter 2 weeks ago they like to do things the hard way!!!!!!

[Gers1]

Just received this email of payday uk lol

 

Dear Chris

 

We have tried to contact you today by telephone but have been unsuccessful.

 

Your repayment is overdue and your loan is currently in arrears.

 

Please be aware that we use a credit reference agency and if you repay your loan now this may help to improve your credit rating however if you do not repay this loan by the end of the month then we will share this information which could have a negative impact on your credit rating and could impact future access to loans with us.

 

 

We would also like to take this opportunity to remind you of your option to defer the full repayment of your loan until your following payday. This option may still be available to you however you MUST call us today!

 

Please call PaydayUK (9GBL) collections team on 0800 280 2666 (Call charges may apply depending on your telephone provider) at your earliest convenience to discuss this matter.

 

Failure to respond to this will result in your account being passed to a specialist debt recovery company.

 

 

 

Regards,

 

Collections Team leader

PO Box 255

Bicester

Oxfordshire,OX26 4ZY

Telephone: 0800 280 2666

Fax: 0845 127 4365

 

 

 

Better get them on the phone see what they want!!!!

[Cait116]

The usual old cr&p Gers. If you DO decide to call them, then stick to your guns, offer them whatever you can afford and NO MORE. Don't let them threaten or harrass you, they will say anything to get you to agree to paying more. If they don't agree then tell them politely to feck off, that you'll wait for their DCA to take over the loan and you can then negotiate with them. They can't have what you haven't got, tell them that. Good Luck, let us know what happens x

[Gers1]

Thanks for the advice glo!!!!! Do you have any payday loans??

[Cait116]

HA! Only 5

[Cait116]

p.s. I have only spoken to them once on the phone and told them I was recording the conversation for my records. They didn't call again! Since then I have communicated via email only and have had 3 out of 5 agree to payment plans. Only 2 to go - unfortunately Quick Quid is one of them - Oh I can't wait to speak to the Mucky Hall experts

[Gers1]

Lol just 5!!!!

[Jbeebey]

Hi there I recently took a payday loan with express.

 

I phoned them up before my loan was due to tell them I had lost my job and I wouldn't be able to pay them and the person I spoke to just hung up the phone!!!!!!

 

I recived a letter today off them saying that I hadn't spoke with them !!!!!! So I called them up this afternoon explained that I had lost my job so am on benefits now, they want £60 upfront fee now, lol which I don't have. I told them I won't get any money till the 11th march and he said if that's the case you will have to pay £350 to clear the debt. I don't even get that a month now. So then I said are you still going to try take money out of my account he said yes everyday, I said no point mate the account us overdrawn so it's waste in your time , he said it's not wasting our time. So I just hung up the phone.

 

I have managed to set up payment plans with Wonga which was not a problem and were very understanding, and with payday uk but I had to pay £30 to get it setup.

 

 

Am total sick of the phone calls now.

 

Really sorry to hear you're having trouble with these idiots too... I called them before my account went into arrears in January and they pretty much refused to speak to me until it had gone past the repayment date.

 

I've continuously offered them £40 per month on an outstanding balance of £400 + 1 months interest and they always refused.

 

I've kept all emails and always replied to them when I've spoken with them confirming details of the call.

 

I'm off sick today and had a massive 4 calls in 90 minutes, where they're always rude and demanding a massive £715 from me.

 

However someone from Nottingham branch called and they seem to be more human - they've accepted the £40 per month and removed the charges. It seems that Bromley are just full of numpties who think the way to get money from people is to threaten them by saying default, calls and we'll dip into your bank when we like.

 

Keep on at them - they'll give in in the end!

[Cait116]

Nice one Jbeebey!

 

I s'pose you wouldn't have the Nottingham Branch's phone number ?

[Jbeebey]

I called them on 08000126347 - this seems to always get through to there.

[ALI2021]

I am having the same problems... i have a payday with the following companies and cannot get these companies to agree to a pay plan..

Mini Credit – owed 100 not its 550 saying the gonna take me to court spoke to them yesterday and they didn’t agree to a plan.. They saying they will take me to court…

Payday express – owed 300 now 375

Can they take me to court or should I wait for them to agree to pay plan

Any advice will be much appreciated..

[sillygirl1]

People do need to get a new bank account number from their bank, or set up a basic online account with Halifax or the Co-Op and get their income transferred into that. That is the only safe way to stop your account being raided. Believe you me it does happen and 'nobody can do anything about it'.

 

If it does happen contact the OFT and the FSA and local Trading Standards via Consumer Direct.

[Gers1]

They wont take u to court they will just sell the debt to a dca. I gave sent them a form containg my finances and can only afford 5 a fortnight so if they dont want a will keep it for myself lol.

[Cait116]

I called them on 08000126347 - this seems to always get through to there.

 

 

Thanks Jbeebay - I have been dealing with the Bromley Office and they have been as much use as a chocolate ashtry. Will try this number to see if I can set up a payment plan x