Pounds Till Payday

[LK85]

Hi,Has anyone any experience of pounds till payday. I've got myself into a mess and have a loan i can't repay.Do they accept repayment plans easy, and will they tell my employer etc?Thanks for your help!

[Jamie Kingston]

i think you have to wait for them to sell the debt onto a DCA and then you can come to an arrangement.

[Cait116]

As soon as I defaulted I let them know, I asked them not to call me at work but gave them my mobile number. They called about twice a week on my mobile and after about 2 months sold it onto a DCA - clarity. They were fine, they accepted a payment plan at once.

[Cait116]

btw - they aren't allowed to divulge your information to anyone else. You could have them for that! But I don't think they will anyway.

[onlyateacher]

PoundsTillPayday have passed my loan to Clarity and I have set up an arrangement with them. They didn't phone me at work. Just make sure you return their calls asap- they were fine to deal with. Took them 8 weeks for them to pass my account to Clarity! After defaulting, I received 3 or 4 calls and then one shortly before I defaulted. I found them polite and reasonably friendly to deal with. They will just keep saying that they will only accept an arrangement over three months. The arrangement I have with Clarity is for much longer than this and was set up with no problem.

[candyflosspot]

OP dont bother with PTP..i found them rude, and kept refusing offers of payment . I waited until Clarity got in touch , I too have always found them to be polite, friendly & helpful & agreed to a payment offer straight away. they are definitely one of the nicer DCA's

[LK85]

Thanks everyone for your help. Has anyone got an experience with uncle buck?

[ihateyes]

Uncle-buck were really easy to deal with, and very prompt in setting up a repayment plan for me by email....

[LK85]

did you have a payday loan based on cheque with Uncle Buck?How did you go avbout it with them? did you wait till you'd defaulted or approach them before hand?Thanks

[Erica11 - Swift]

Pounds Till Payday will not contact you at work if you tell them not to do so. Just give them a call on 08000 327 655 or send them an email ([email protected]) and explain your situation and see what they reply. Advise them that you wish to keep all communication in writing and that you are willing to come to an arrangement. It’s all part of the OFT guidelines. They will be able to help you out with this.

Edited June 15, 2011 by Erica11 - Swift

[kh41]

Wait till it goes to clarity then offer £10 a month they happily accept

[LK85]

Responce from PTP...

"Thank you for your email.

 

We acknowledge receipt of your e-mail which we have forwarded to our Payment

Services Department for their attention.

 

Kindly note that Payment Services are only available via phone and would not be

able to answer queries via email therefore we encourage a call to them at your

earliest convenience on their freephone number 0800 234 69 55, their hours of

operation are 8am to 7pm Monday to Friday and 8am to 5pm on Saturdays.

 

Thank you for choosing Poundstillpayday.co.uk

 

Kind regards

 

Una

Customer Care Representative"

Can i inisit on written communication, or do i have to phone them?

[sillygirl1]

No, you do not have to phone them, that email needs to go to the OFT, PTP are playing games with you, remember they are based in Malta and their 'agents' are paid on a heavy commission basis, therefore they will try to get the most they can out of you on the phone.

 

Email them back and state "Should you phone me all calls are automatically recorded and a confirmation email will be sent detailing the discussion immediately after the call. What is wrong with email?"

 

Apparently their 'agents' cannot contact eachother by email and cannot send emails to PTP.... sounds a bit suspect to me.

[miss l]

hi, was wondering if anyone could help as many seem to have had experience with PTPD. i defaulted a month ago and after offering a payment plan which they rejected i have waited on them passing to as collector as many have advised on here. they have now sent my loan to a collector but unlike others it is CRS not clarity. CRS have been phoning several times a day and despite speaking to them and returning calls they are refusing to accept any kind of payment plan and are threating CCJ's? Also they even suggested that if i could repay the full amount by the end of the month i could just reloan?? Not good advice i think but if anyone has any help it would be really really great.

 

Sorry for jumping in this thread just thought since it was PTPD related perhaps someone could help.

 

[stevo7790]

Wait till Mark Harrington starts calling you, acting macho with his funny Irish accent lol!

 

Until I missed a payment with PTPD they were fine, then Mark involved himself and found it amusing to call me at work and put the phone down. Work wern't too amused and politely asked him to shove off, followed my me emailing him and telling him to instead of threaten me go the whole hog and take me to court.

He never did, and never contacted me again... I'm not one for avoiding debts but sometimes these people need to be told straight, in this instance nothing more has been done.

[miss l]

Maybe i would be better borrowing money to get rid of ths debt then cause i dont want a ccj or taken to court

[sillygirl1]

No, it is highly unlikely that they will go to court, they actually may not have jurisdiction anyway to take somebody to court as they are based in Malta.... if they tried to take you to court you have a better defence than their vexatious claims.

 

I have only known two companies to take people to court and have written simple defences and only one has won because the person did not enter the defence. It is known as judgement by default (and should be abolished on claims under £2,000 imho).

 

As far as the law stands you only owe the original loan and one months interest.

 

If you borow to repay this one you will end up borrowing to repay THAT one. I have known people to end up with 15 payday loans.....

[quackquack]

Poundstillpayday tell u u can reloan again but u cannot reloan they block ur account which is a good thing and u can never use them again

[hardlesson2learn]

Has anyone had any experience of CRS and PTP recently. I am dealing with CRS and all I am getting is "pay now, or pay the balance within one month - if you dont we will issue proceedings but if you want to you can always reloan". Not keen on any of those options but happy to set up a proper repayment plan. Having said that I can't risk them coming good on their issuing proceedings threat.

[asmilecostsnothing]

Try not worry, this might be an good thread to check out

 

http://forums.moneysavingexpert.com/showthread.php?t=3633969&highlight=crs

 

 

Seems like they play ping-pong between the collection agencies so keep a good record of absolutely everything

[quackquack]

again il say u will not be able to reloan with ptpd if u default with them .....ever:-x