Jump to content
  • Tweets

  • Posts

    • I hear what you say.   What does Theresa need to do, and pull together as a basis for the skeleton arguement? Proof of mental health assessment from her GP? Reference that part of the alleged debt is now statute barred? Lack of requested information from SW&S?   scmreferrals@justice. sent her an email 11th March 2020 offering mediation "A telephone mediation session of up to one hour is available to you on 01/04/2020 between 11.45 and 17.30." THEN: Another email from scmferrals was then sent within 2minutes withdrawing this offer of mediation.   Aside from the above. Would an SAR be of any use?
    • That advice is all good.  Thanks for everyone's help. its appreciated 
    • And to add to my site team colleague' s advice above, if you phoned the vet, they may well say that it is out of their hands now and with a debt collection agency. Insist that it is with them and if they maintain their position then it is probably worth writing to them to confirm that you asked them for details and that they refused. It's a good idea to develop a paper trail – especially where they are acting unreasonably and refusing basic information such as an account. You could also serve them with an SAR which will compel them to provide you all the information you want
    • A utility company is certainly a service provider and they are generally treated as such by courts, regulators et cetera.   Please don't be vague about any details that you give us if you want help. Were the advice we give here is free of charge – and it is generally speaking excellent advice and we help thousands of people, you should treat it as if you are paying £300 an hour for it and that means your best to help us so that we can help you solve your problems quickly and efficiently
  • Our picks

    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies
    • Oven repair. https://www.consumeractiongroup.co.uk/topic/427690-oven-repair/&do=findComment&comment=5073391
      • 49 replies
    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
      We had a 10yr  finance contract for a boiler fitted July 2015.
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
      You only have to look at TrustPilot to get an idea of what this company is like.
        • Thanks
      • 3 replies
    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
        • Thanks
        • Like

Please note that this topic has not had any new posts for the last 3508 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Hello, I posted a few days ago seeking advice however got one response which was not helpful at all. I'm hoping this time to get more responses.


On 24th November, I took out a Wonga loan for £100.00 it was for an immediate cost, and I know I was stupid to do it, but everyone is entitled to a mistake or two. Due to cashflow problems I have had to roll over the loan and it was due on March 1st, I recieved an e-mail saying I could have extended again but cash is that bad I couldn't even afford that.


I owed £206.26 on the 1st March and now £20 has been added to that for failed collection. They sent me another e-mail asking me to get in touch and pay, problem is I can't, not until I sort my finances out, which is I don't know when.


I am self-employed and having an absolute nightmare with invoices and money collection. This is affecting my personal health a lot and my partner has also recently had an operation so I'm trying to give her as much time as possible.


They only have my personal phone number which is the same as my work and funnily enough the phone is broken! So they can only reach me by E-Mail.


What do I do? Any advice is welcome. Please Help!

Link to post
Share on other sites


Welcome to The Consumer Action Group.



I am just letting you know that as you haven't had any replies to your post yet, it might be better if you post your message again in an appropriate sub-forum. You will get lots of help there.


Also take some time to read around the forum and get used to the layout. It is a big forum and takes a lot of getting used to.



Once you start to find your way, you will soon realise that it is fairly easy to get round and to get the help you need.


It can be bit confusing at first.

Please be advised that my time will be limited for the next few weeks.Thanks for your understanding.

Link to post
Share on other sites

posted inthe wrong forum



p'haps why no responces


moved to payday loans forum



please don't hit Quote...just type we know what we said earlier..


DCA's view debtors as suckers, marks and mugs


NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..


If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 



Link to post
Share on other sites

Hi there


Firstly you will need to get in touch with Wonga regardless of your situation. Send them a letter/email telling them your situation has changed and you no longer can afford to pay the loan upfront. Ask them to consider a payment plan (whatever you can afford) at the same time asking to freeze interest/charges. You need to do this soon and keep all correspondence sent/received. Once you have done this post again here and let us know what's happening. Best of luck x

Link to post
Share on other sites

Cheers guys, do uou reccomend e-mailing the customer service dept or collections? thanks.

Also what do you reccomend i write to them. Like what should I say ?

Link to post
Share on other sites

Hi again, see below for wording of my email to my PDL's, amend to suit your situation. I would email to both departments so you can be sure that it will be received!




Unfortunately I cannot now afford to agreed monthly payments because XXXXXXXXXXXXXX. Also, the interest on payday loans has made it impossible for me to now pay off lump sums on a monthly basis. I only have a monthly sum of £XXX left for my creditors. I am willing to pay the original loan of £XXXX plus one month's interest. The offers I have made have been worked out on a pro−rata basis.

In view of my circumstances, please would you agree to temporarily accept a reduced offer of £XXXX over XXX months. If charges are being added to the account I would be grateful if you would freeze these so that all payments made will reduce what I owe you.

Link to post
Share on other sites

Hi, So I sent what you advised. It took them until tonight 07/03/2011 to respond simply.


'Please call collections'


What now? They don't seem to be playin the game.


Thanks again guys

Link to post
Share on other sites



Resend your email to the following BIG CHEESES at Wonga. errol.damelin@wonga.com - balanceoffer@wonga.com, john.hegarty@wonga.com. Ask Wonga for there bank details so you can pay them directly or by standing order.


Open a new account to channel all your funds into as most PDLs will pilfer your account even with a repayment plan in place (Don't give these new bank details to any PDL). If/When Wonga accept your offer, request there acceptance in writing (email). Good Luck :-) TT.

Link to post
Share on other sites

keep e-mailing your offer and keep hold of them.















Link to post
Share on other sites

Hey guys.


I e-mailed the bosses like you suggested. Shortly after the same night I e-mailed, I got back a very co-operative response with a very affordable payment plan attached.


Thanks alot for everyones advice.


This site has proved to be an invaluable resource!




Kind Regards BPJD

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.

  • Have we helped you ...?

  • Create New...