Too many pay day loans now unable to even afford the rollover fees

[Cait116]

Thorntondog you were right not to give them your bank statements, you HAVE changed your bank account haven't you? They can demand all they want but only a court can make you do this. Have a read around different threads here, sillygirl1 seems to know her stuff pretty well. Also, I have refused to give any of mine (I have 5) any statements or detailed I/E and I eventually got 3 of them to agree to payment plans. Stick to your guns and just keep offering them what you can afford until they get fed up and either give in or hand over to a dca. x

[thorntondog]

Thanks Glo.

 

That has given me peace of mind. I wont give in - Im very stubborn. I have reported my card lost and cancelled direct debits. I will check a couple of days before payment is due that no direct debits have been reinstated.

[jellycubes]

You could always call the free phone number for the halifax if you not got your sort code/account number yet, i did this and it helped loads a while back. Keep strong and an eagle eye on the account the payday loans have the details for. Remember to ay by standng order only when you get new account. Dont let the barstewards get you down, you will get through this x

[andyjhill]

Just a quick up date so far 1 month loan have accepted my offer as have cash genie loans, pounds till pay day and pay day uk have both told me I have to let my account go into default before anything can be done still not heard from the rest yet.

[robjam1969]

Be careful with Cash genie - never give them your card details. They generally agree repayment plan then empty your account at the first opportunity. When you complain they tell you to go away! As long as you pay by SO you should be fine

[andyjhill]

They already have my card details but I have now reported that card as lost and I am in the process of getting a new account so I will only have one month that i will need to keep an eye on my salary.

[andyjhill]

Just had a call from 247 money box who informed me that they would not accept a reduced payment plan but they did offer me the chance to pay the loan off over 3 months (£90 per month which is possible for me) with no charges and to make the payments by standing order.

[andyjhill]

Please see below response from pay day express to my offer of a repayment plan:

 

Dear Mr Hill

 

Thank you for your recent email.

 

In order for us to consider setting a repayment arrangement on your account and therefore changing the terms of your loan, you will need to provide evidence of your change of circumstance.

 

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 doctors note or hospital letter, as well as the bank statements.

 

Please call our collections department to discuss whether you may be eligible for a repayment arrangement, and then we may be able to hold your account for a short period in order for the supporting evidence to be received.

 

If you are unable to supply the information that we require a repayment arrangement will not be considered.

 

Please advise how I should respond.

[dx100uk]

none of their business

 

only a judge can dictate you reveal your pers fin dets

 

dx

[sillygirl1]

dx100uk beat me to the answer, they have NO right to demand this stuff, email back the following response.

 

Dear xxx

 

I am not able to provide you with any of the information requested and am sending your reply to the OFT and Trading Standards as it breaches guidelines on debt collecting.

 

I again am making the request to pay this loan off by xxxx

 

Further emails and all telephone calls/text messages will be kept and used as evidence should it be necessary.

 

Keep it short and they cannot start playing games... they are not entitled to the information and should not be asking for docotos evidence of illness - totally unnecessary.

[Cait116]

Tell them to feck off!

 

Honestly tho, they will give in in the end, stick to your guns and keep sending them the same email with your offer every day if you have to.

[Cait116]

ooops soz - messages crossed sillygirl

[ihateyes]

payday express were the only ones that wouldnt set up a plan with me, i ended up extending my plans with 2 companies so i cud pay these jokers in 2 mths.

[Delboy01]

Bank statements ??? With your bank details on it Well Crafty.

[Cait116]

Bank statements ??? With your bank details on it Well Crafty.

 

No surprise there then they'd try anything

[andyjhill]

A couple more thing I require help on

 

Firstly the following two have told me to go to default before they can help: pounds till pay day and pay day uk should I do this?

Secondly Wonga have said its ok to pay them by SO but have not said if they accept my payment plan or give me their bank details so what do i do next.

And lastly payday express have not responded since I told them i will not be giving them my bank details the question is does any one have their bank details and should I set up a standing order or wait for them to accept

[Erica11 - Swift]

Should you be experiencing difficulty paying back your loan or have any other queries or concerns regarding your loan, kindly contact our Pounds Till Payday Customer Relations department on [email protected]