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Payday Overdraft (wage payment and payday loans ltd)


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Has anyone dealt this company?> Gotta be one of the most rude, obnoxious companies I have come across so far.

I defaulted a while back and heard nothing until I started getting generic emails from the so called manager saying I was about to have court proceeding issued etc, thing is the email was not just sent to me as there was no direct reference to myself and the to field was blank am assuming there were a number of people BCC into the email, I received court papers a couple of weeks ago but nothing since, then today I get a phone call (after he spent 5 mns being extremely rude to a colleague asking my managers name, HR dept address etc) informing me he has a court order and is about to issue an attatchment to my work. I have agreed to repay £50 per month on the basis that 1 I receive written confirmation of the agreement, and 2 their account details are provided as I will only make payment to them they are not having any of my details. I have also requested a copy of the court judgement he is said to have as its funny I have not received a judgement.

I want to know where I stand on them calling work and harrassing colleagus and also if I am correct in stating that only a court can contact my work regarding an attatchment of earnings not the company themselves?

I think this looks like a last attempt to bully people into paying up by a desperate company!

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All I received were papers that they were applying for a judgement, I keep receiving random emails though one saying they r going for a judgement tomorrow then others saying they r going for an attatchment Monday but as I say these are all generic emails no personal rference to me and look as though they have been sent to an address list. This is why I have asked for a copy of the judgement with the amount on before I agree to any payment plan.

 

I borrowed money last yr in June I think it was about £250 I think,

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Surely you have to be notified of a court date, so that you can defend yourself is need be.

I think they are clutching at straws.

Keep the emails and is it hasnt and then does go to court, you can show their immoral bullying tactics

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Make sure you report them to the OFT too...

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

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just received an email saying I owe them £1010 yeah ok, told them the most I will pay is loan plus 1 month interest or they can take me to court and ill fight them all the way, I highly doubt a court would issue a judgement for that much from a £250 loan, I am actually relishing a fight now with them as I have emails of them offering me loans to this day even nthough they know I am in difficulty and an email encouraging people to take out payday loans.

 

I am still waiting to see a copy of this alleged judgement against me, I will have to find the paper I received saying they were attempting a judgement and call the court,

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They are having a game with you, if they do manage to get an attachment of earnings you can apply to the court to have it overturned on the grounds you did not get a chance to defend yourself, and if they have gone directly to your HR department they need reporting to Trading Standards pronto. In fact why not report them anyway for unjust enrichment, loan sharking practices are frowned upon by Trading Standards, who may have an Economic Exclusion department to escalate stuff through.... to getan attachment of earnings you would have had to default on a judgment and again you have grounds to get one overturned (if they have one).

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I have checked with Money Claim online, they applied for a judgement but it has never been granted against me, big fat load of lies. I have put in a defence against it on the grounds I tried on numerous occasions to come to a repayment agreement with them and they refused to co-operate and tried to bully and harrass me into agreeing to pay them back over £1000 by saying they would take me to court, lets see what happens now.

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  • 5 months later...

Hiya. I have a question about the same company. I have applied for a loan with them. They are asking me to pay tax on the loan at 5%. This is about £375. Apparently I get this back when I am credited the loan in my account. Is this normal?

 

Thanks.

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^

asking for money up front is nothing else than a [problem], that way they can turn you down at the last second and keep what you paid up front.

 

No mention of a Credit License on their Website, no mention of a APR either, plus a little trip to Google Streetview reveals that they are either operating out of a Bedroom (like all legit financial service companies :lol:) or the address provided on their website is fake as well...

 

So best to just report them to the relevant authorities and don't let them pressure you into paying anything you don't owe.

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Thanks for the reply. The address this company have given me in London belongs to a hotel. On putting the post code into google a long list of companies were listed. Seems like building or unit with several different offices. The phone number is different than the one I was given by the person dealing with the load. So I will be ringing this new number in the morning. Should be interesting.

 

What raised my suspicion was the fact all transactions were via western union. And the people I have been speaking to were of an asian origin. English extremely poor. I have had a few loans in the past but never had to pay tax upfront to release the loan. So looks like I got away with it lightly, just paid my apparent 1st instalment, and not the supposed £375 tax. Also they said, as a gesture of good will (after I complained about the tax) they were going to debit me an extra £1000.

 

Got a few calls to make in the morning. Thanks for your help.

 

One last thing. Will my bank account be safe? I believe they have my account details.

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Also they said, as a gesture of good will (after I complained about the tax) they were going to debit me an extra £1000.

 

One last thing. Will my bank account be safe? I believe they have my account details.

 

Sounds very suspicious to be honest.

 

Unfortunately most Payday loan companies have a habit of raiding bank accounts, so it's best to close the account and move to another bank, then for repaying the loan insist that they provide you their Account details so you can control when and how much you pay instead of them hitting your Debit Card with random fantasy charges and so on.

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If they have no licence ? then they are trading illegally....if they are attempting to mislead you with some kind of 'tax' issue then I suggest you forward all correspondence to HMCS and the OFT...

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU

 

I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU

 

IMPORTANT - If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.

Before you decide,consider the users here who have already offered help and support.

Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.

If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon.

 

Forum rules - http://www.consumeractiongroup.co.uk/forum/forum-rules-please-read/9-forum-rules-please-read.html

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PAYDAYOVERDRAFT IS CORRECT AND LEGITIMATE ON 0208-144-2009 AND BASED OUT OF LONDON ENGLAND.

THERE IS A CON BY IMPERSONATORS. BE AWARE OF THE FOLLOWING:-----

 

WESTERN UNION

PAYMENT IN ADVANCE

 

Paydayoverdraft the real one doesn,t do either so be aware.

 

There is a [problem] going on with people pretending to be Paydayoverdraft.com. BE CAREFUL. Paydayoverdraft is the correct trading name of Wage Payments and Payday Loans Ltd regiustered in the UK which is a legitimate company. PLEASE BE AWARE that anyone who asks you for money in advance is a FRAUD and probably based out of Africa. This is why they use Western Unioun as you have to send the money abroad.

Don,t be an idiot and send money to anyone. anyone affected must complain to the Police.

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  • 2 weeks later...

This is the response I got after offering a repayment monthly, couldnt pay in full due to completely unexpected change in circumstances which has left me almost 300 a month worse off;

"you can pay what you wish to but we will still be pursuing

In fact we are starting an investigation into you as when you applied you had a disposable income.

if we find, as we suspect, you have lied then we will pass your file to the Police for criminal proscecution for obtaining money by deception."

I've told them to take me to court because at least then my situtation will be judged fairly as opposed to them trying to bully me into something I cannot possibly do

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What a load of tosh, get onto the OFT today and ask them to investigate this tin pot company. The company have broken a lot of the NEW OFT guidelines which were published today.... as well as a lot of the old ones.

 

Yours could be the complaint that tips the balance in favour of an OFT Investigation, and they will NOT like that one little bit.

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All you do is log onto

 

http://www.oft.gov.uk or http://www.consumerdirect.gov.uk and phone them up, stressing how upset and angry this has made you feel,as simple as that. You will be told they can't deal with individual complaints but will take yours into consideration and maybe send you a witness statement to fill in. You will also get a reference no so if the company send any more threats you refer back to the OFT and the reference.

 

That is it, it isn't always a simple step by step process for every thing you do.

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:lol::mad2:

Thanks for the reply. The address this company have given me in London belongs to a hotel. On putting the post code into google a long list of companies were listed. Seems like building or unit with several different offices. The phone number is different than the one I was given by the person dealing with the load. So I will be ringing this new number in the morning. Should be interesting.

 

What raised my suspicion was the fact all transactions were via western union. And the people I have been speaking to were of an asian origin. English extremely poor. I have had a few loans in the past but never had to pay tax upfront to release the loan. So looks like I got away with it lightly, just paid my apparent 1st instalment, and not the supposed £375 tax. Also they said, as a gesture of good will (after I complained about the tax) they were going to debit me an extra £1000. PLEASE CANCEL ANY DIRECT DEBITS NOW AND CANCEL YOUR BANK CARD AS LOST ASAP OTHERWISE YOUR ACCOUNT WILL BE RAIDED THEN DO NOT PAY ANY ONE UNLESS ITS WITH A STANDING ORDER/OR PRE PAID DEBIT CARD/OR FASTER PAYMENT:evil::roll:

 

Got a few calls to make in the morning. Thanks for your help.

 

One last thing. Will my bank account be safe? I believe they have my account details.

Edited by quackquack
CANCEL UR BANK DETAILS
:violin::ban::lock1::bump::clock:
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Thanks, ive forwarded the emails to the OFT and also requested that if Payday overdraft want to talk to me again they should correspond by post so If they try anything like this again I can forward the letters straight to the OFT

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