Wage Day Advance, Help needed! **

[MissBehave]

Hi, had an email from these, I origionally owed them money, couldn't afford to pay it back so went on to pay them back £20 for 2months, went on the sick paid them £5 for 3 months, went to the CCCS and then started paying all my debtors £1 per month from end of November 2010.

 

Now I have had an email demanding to see bank statements, to back up the CCCS income and expenditure form, also they have informed me they are putting on £36 set up fee. From sorting out mine and my partners debts and paying them all the required token fees of £1 per month I keep a written record of the origional amount of debt from when I started paying. Plus its always paid through standing order so there is evidence at the bank this is being paid.

 

I told him as far as I knew that only government agencies and such like were allowed to ask to see your bank statements, also informed him that as it was my partners bank account that I would have to have his permission and he refused to give me that. The man emailing me from WDA has told me that even though I have provided the income and expenditure that without seeing my bank statements then a repayment plan will not be set up.

 

Oh and to add salt into the wound I think they have been adding £36 each time they have set up the repayment plan. Are they allowed to do this????

 

Thanks

 

MB xx

[sillygirl1]

Send the email to Consumer Direct as a complaint, you are right, they are not supposed to demand your bank statements and charge a set up fee, they are way out of line here.

 

Get CCCS to reply back to them on your behalf and they should also be able to prove to them that you are paying everyone equally and trying to resolve your problems.

[MissBehave]

the only problem is CCCS arent doing anything to help now - we went to see them and the man was nice and everything but informed us he couldn't help other then budgets and paperwork, the rest was up to us because we payed out much more then we got in. will they still be able to help this?

[sillygirl1]

If I were you I would do the DMP on your own and cut CCCS out of it. That guy has an attitude which doesn't help and shouldn't be doing the job.

 

Report him to the manager.

[sillygirl1]

They SHOULD help as this is 'paperwork'.

[MissBehave]

yeah i have numerous accounts both mine and my partners that i am dealing with at the moment and none have been as bad as this guy. he still reckons that with out a bank statement he can not set up a repayment plan and he also says that when i previously emailed a collegue of his that the £36 "one off charge" was in that email. I have found the emails in my sent emails folder (thank goodness i just hit reply and dont cut out the previous emails sent!) and nothing was mentioned of this charge. I have since queried the amount to be paid as he reckons I have £417.50 to be paid and according to my paper work I say I owe £357.50. Even making the calculations with this £36 charge origional loan was £350 plus £87.50 interest doesn't add up to the £412.50 he reckons I owe.

 

£417.50 + £36 = 453.50 - £61 (paid onto account) = £392.50

 

theres still a £20 discrepency regardless of whether or not I have to pay this £36....

[MissBehave]

ok I have sorted the math out.

 

at the origional amount borrowed plus interest minus the £61 paid i owe them £356.50

 

but havent received a reply of me challenging this dicrepency as he still thinks I owe them £412.50 thats £56 difference

 

he reckons his collegue told me of the £36 charge which after looking through my emails I can not find any evidence of this... so regardless of what is found to be right there is still a £20 or £56 discrepancy which he is refusing to acknowledge

[MissBehave]

ok sorry to be a pain... I have rectified the £20 that was different, due to miscalculations on my part. the original loan amount was £437.50. but i have sorted that out...

 

 

however i am still fighting on for this £36 charge. I have found an email from november of this guy that clearly states the outstanding amount on the account was £382.50 which if as he claims the charge I was informed about in june, was actually put on to my account then that amount should have been higher. I have emailed him about this and waiting on his reply.

[MissBehave]

Hiya,

 

I posted yesterday about this, after numerous emails back and forth between me and this Joe, arguing over £36 charge that I have been told about but has only just been added to my account. (cut a long story short I was told about the origional "one off charge" in June by one of his colleagues, but when he contacted me in November the amount didn't include that charge which I thought it did, anyways he has contacted me yesterday and a long email argument ensued because to reset the payment plan I was told I had to provide my bank statements to back up the financial budget statement I had already provided, I dont have a bank account, all my wages etc get put into my partners account and naturally he isn't happy about them having this information, so he has refused permission)

 

Anyways I have received an email today regarding further litigation, I shall post a copy of this now.

 

 

 

Wage Day Advance Ltd

Unit 7, Acorn Business Park, Skipton, BD23 2UE

Tel : 0872 098 8888 / Fax : 0844 443 2322

 

10 May 2011

 

Dear MISS ****************

 

Agree No : *********

 

Amount Outstanding : £412.50

 

 

Your Wage Day Advance loan or interest payment was due recently but we were unable to take this payment.

Having signed the Credit Agreement, you will be aware that missing payments can have severe consequences and that you may be liable for default charges incurred. Could you please contact us as a matter of urgency with either an alternative way for us to take payment (credit card other debit card etc) or advise us of when we can take payment with the card details we hold on our system. Unless you contact us within SEVEN DAYS of the above date with your firm proposal of payment your file will be passed to our Collections and Litigation office for a decision to be made as to the next course of action in recovering your debt. This will incur more charges for missed payments, letters and interest. If you have paid the amount owed in full or made an arrangement with us about the repayment of your debt before you receive this letter, please ignore this letter. If you are experiencing financial hardship please contact us to discuss the matter, this may prevent further action being taken. Please be advised that until you contact us your file will be processed in the usual manner, as laid out in your signed agreement. Please Call 01756 707306 for our Collections Dept, who will be happy to help.

 

*** Please Note, Default charges will apply ***

 

Yours faithfully

Wage Day Advance Ltd

 

 

 

So anyways none of what is in that email is true, since starting up the repayment plan there has not been any missed payments and I refuse to ring them to then not have proof of what is being said. What can I do next? I have provided income and expenditure as per CCCS when I last saw them in November (CCCS wont take me and my partner on for debt management or such like due to low income and more going out then actually coming in so they can just give advice) but still refusing to give bank statements as partner wont give his permission because he believes that unless its government related (housing ben, or jobseekers etc) they don't actually have a right to ask. Is that true? I can't find anything else to help

 

 

Thanks MB x

[cerberusalert]

Two threads merged.

 

Please stick to the same thread then members will be able to see the full history & what advice has already been given.

[BRIGADIER2JCS]

Income and expenditure reports are not compulsory unless ordered by the courts DCA's can posture and throw thier

toys out of the pram they have no legal powers to get I&E.

[MissBehave]

Still more emails today and they are still banging on about they are within their rights to request bank information to back up the financial statement! I am waiting on CCCS and CAB getting back in touch with me, but still nothing from them as yet...

 

can some one give me some legislation or something I can throw at them, they are telling me that they can no longer have this payment plan in place of £1 per month, and can split it over 3 months. I have told them I can not afford this. And I also told them that I will still be paying my token payments of £1 per month.

 

I have already been docs about depression and such like and these guys are starting to make me feel worse again. can anybody assist in any way? xx

[BRIGADIER2JCS]

They have no rights at as demanding your I&E details in any form let alone personal bank details if they get hold of that info

you could end up with them taking money without authority.

ONLY A COURT CAN ORDER THESE DETAILS TO BE DISCLOSED>

As to the payment plan they can again'' demand'' what ever they like but you know what you can afford to pay

and that what they get.

Just destress they have no legal powers or authority to demand anything:lol:

[MissBehave]

ok brigadier thanks very much

 

they have stopped replying at the moment after my last email to them was something along the lines of telling them until I heard back from the CCCS/CAB about my rights I would still be paying £1 token payment as I cant afford to pay any more. and I wasnt prepared to put mine and my familes home at risk by missing out on payments to rent and council tax etc etc for a relatively small amount of debt.

 

so i may have upset him a little oops lol. nevermind.

 

thanks again

[BRIGADIER2JCS]

Quite right keeping the roof over your heads and getting proper food and care for the family are the top priorities.

 

I hope he had a tantrum and threw his toys out of the pram!!!

[MissBehave]

lol i wish

 

i spoke too soon and he replied not long after i replied to you. basically saying they still want the bank statement and can not put me on a repayment plan until i supply it.

 

asked him nicely to put account on hold while i awaited cccs and cab advice but he has refused saying that they cant hold accounts purely on request unless i have provided the documents and im now gonna get charged interest and fees. im pulling my hair out now, im almost bald lol.

[brokebutnotbeatn]

So inore him and send him monthy £1s.

[MissBehave]

ok will do. so stressed. cant even concentrate in college at the moment

[BRIGADIER2JCS]

Don't give in make a complaint to the OFT it is against the OFT guidance to pressure

a debtor in to paying more than they can afford, Trading standard would probably also interested in his customer service ''Skils''

[MissBehave]

hes the second person in 2 days i have had this conversation with

[MissBehave]

kept all emails tho aswell so good for me lol

[brokebutnotbeatn]

no conversations. In writing only. Put the phone down.

[BRIGADIER2JCS]

Hi send him this.

With reference to your recent contacts with me regarding xxxxxxxxxx.

Please take note I am making a formal complaint to the Office of Fair Trading regarding your manner

of attempting to collect the alleged debt.

1). OFT Guidance para 2.g States that it is unfair to make threatening statement or gestures or taking actions which may suggest harm.

2)Para 2.6 f. Pressuring debtors to pay in full, in unreasonably large installments, or to increase payments when they are unable to do so.

[MissBehave]

broke its all been done via email so no phone calls though i am tempted to phone them up and give them what for.

 

brigadier - im now on the phone to cccs as an old council tax bill of my partner has come back to haunt him. they refusing the £1 pcm because it is "unreasonable" but anyways ringing the cccs so gonna see what they say about it all lol. will update once off the phone with them xx

[BRIGADIER2JCS]

Always a bad thing to phone because they will try to brow beat you int payments you can't afford.

£1.00 per month is very reasonable if it all you can afford!!!!!!!!!!!!!!