Payday Express - Requirement to provide Statements **

[mylonite]

Hi all,

I am having an arguement with Payday Express, over an outstanding balance, I consider the figure to be lower than the amount they claim is still outstanding on the account. I requested a statement showing all sums paid, interest added and balance over time figures, which I felt they should be obliged to provide under the CCA, they fell that they have no obligations in this regard and any references I find seem to relate to annual statements which obviously a short term loan would not fall into. They have offered to provide all details for £1 clearly a CCA request, but does anyone have any knowledge of this, do they have an obligation to provide a statement of account on request?

 

If they don't have to provide a statement, then its easy to see why people can get into financial difficulties with these parasites.

 

I suppose what I would like to do here is put the account inot dispute until they provide the statement, but need to be sure of my grounds.

 

many thanks

[robjam1969]

I would pay them what you think you owe and demand proof of anything on top of this. The CCA request is part of the Consumer Credit Act and they have 14 days to reply if you send them a quid. Probably worth it if they want to be silly.

 

ultimately no proof = no pay!

[mylonite]

Thanks Robjam, but these monkeys have a habit of just taking what they want from an account anyway, I just need to know if they are obliged to provide a statement without resorting to a CCA request, because if they are then their refusal to do so means that I can put the account into formal dispute and if they are stupid enough to try and take money whilst in dispute then the FOS will drop on them, if I CCA it then they can still remove money whilst they are complying, and I am pretty sure they won't provide all the details I need anyway.

cheers

[ihateyes]

Yes, these people are tossers.

I paid my final payment of £240 on tuesday, to recieve a text and email on wednesday saying i was o/standing. I advised check your systems. but they then still urged i hadnt paid.

I transferred £40 to buy tickets into my debit acc, to find they had thieved it.

So i rang up, and explained they were a bunch of thieves nd i wanted my money back. Again i was told they didnt have my money.... me being me, i squealed down the phone gimme my money back you bunch of fu@king theiveing Bartards....and hung up.

Immediately rang back and now a manager came on the phone again saying they didnt have the money. So i emailled her the screen shot of the payment going on the 15th and the payment details, surrise surprise they did recieve it.... they sent my money back within the hour but didnt even have the decency to apoligise, so i never apoligsed back.

 

Goood Riddence express.....

[mylonite]

Thats what concerns me that they take more than they should, I want clear them off this month, and by my calculations I can afford to do it, but they have come back with I owe them £60 more than I calculate, without statements I cannot prove it, they have you by the short and curlies; hence my thoughts about them needing to provide statements...but do they or don't they?

[ihateyes]

For any company to chase you for a debt, they have to prove if asked to show the money is owed. I would Sar them, and ask for all data on you, along with credit agreements, once you send this they have to put your account, though knowing this company they wont.

 

Make sure you have no money in your debit account as they will steal.

 

I paid £200 last month but they tried to charge me a late fee, as i never paid full balance. They said i never requested a deferral. They asked me to pay additional to cover the defferal even tho the £200 more than covered this. They adv of a charge to which i told them.....

 

Charge me if you want... im not paying.... take me to court if you want, and then you can tell the judge how £200 doesnt cover a £40 deferral fee.......

 

I notice they backed down on this.

 

Time to get scumbags by the short and curlies.

 

How some of these people sleep at night..... must not have a conscience.

[Cait116]

Nah Ihateyes they DON'T sleep at night luv, they're vampires

[ihateyes]

Nah Ihateyes they DON'T sleep at night luv, they're vampires

Drainin r bank accounts as they update!!