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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


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    • bobandi
      Bristow & Sutor. Ex's CTAX debt. Clamped MY Car and left. now i want to deed poll and pay all her debts

      By bobandi · Posted

      I started paying her old council tax as they said they would jail her I managed to get those account details. We then got back together she moved in with me stopped me going to my house. Eventually let me back in I was there 4 days then the police showed up at 1am arrested me for 8 different offences. On the morning I was in custody she rang the letting agent and asked for the house to be changed to her sole name as I was in jail. The house was changed to her name I was made homeless. The bills she did not change to her name left them as occupier the utility companies then said I had to pay as there was lots more usage than an empty property. My solicitor said if I don't pay them I will be reported for it. It has since turned out that in her old property she didn't pay the bills. The electric bill she put in her daughter's name then cancelled the direct debit the council tax she never attempted to pay. Due to one of the accusations I have since been told I need to pay these bills even after getting emails saying I'm not liable for the bills. I have forwarded these on to the police and solicitors and had no reply. Other than you have to pay these bills. I'm also going to end up paying the bills where she lives now as once again they are not being paid. I can't go in to detail about the case as I'm due to be charged next week not sure what with yet but the police have told me I'm going to be charged.  My ex will not tell me nor can tell me about her debts as she doesn't want me to know how much debt she is in or has put her daughter in once she turned 18. I do not want to be paying her debts after what she has done to me.
    • Hamz909
      PCM vanishing windscreen PCN - Royale Leisure Park - W3 (London)

      By Hamz909 · Posted

      No worries, thanks for the effort. 
    • Ethel Street
      Bristow & Sutor. Ex's CTAX debt. Clamped MY Car and left. now i want to deed poll and pay all her debts

      By Ethel Street · Posted

      In the earlier thread (now linked above) you were going to change your name by Deed Poll. Did you do that? Did it solve any of your problems? What, exactly, have you been charged with? Has a court date been scheduled? I cannot think of any reason why the police would tell you to pay your Ex's debts that she incurred 5 years before you met her. Either there's lots of the story you aren't telling us, or you have misunderstood what you have been told, or you are trolling us. Earlier you said it was your Ex who wanted you to pay her debts and, for some reason that  no-one here could understand, you were going to do so. So your Ex can give you all the details of her debts and you can pay them. She can hardly expect you to pay them if she won't give you the account details! I've never known debt collectors be fussy about who pays as long as someone does. They routinely take payments from friends and family to clear debts. It's not illegal to pay someone else's debts          
    • honeybee13
      Caught fare evasion in tube station - jumped turnstile - now SJPN

      By honeybee13 · Posted

      What you've said isn't helping. Please post up a redacted version of the appropriate section of the court papers.  HB
    • Seven77
      Caught fare evasion in tube station - jumped turnstile - now SJPN

      By Seven77 · Posted

      Oh, yeah. The law I’m charged with is riding underground without a valid ticket said by SJPN Student Union can’t provide any help, I have contacted them

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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Payday Loan Debt help

missmistake
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missmistake

missmistake

Posted
Posted

Hi

 

I have been reading through the forums on here and it is so good to know i am not alone. i have got mysel in a riight mess with payday loan companies. I have now decided I must try to do something as the worry is taking over my life and making me miserable. So i defaulted last week and have managed to set up a repayment plan with wonga who were really nice about it but spoke to pounds till payday today and they were really unhelpful - they state they do not accept payment plans so threaten to send my account to a collector who will send doorstep collectors. Will they do this? Can i prevent it? Also the rest have not replied to emails i sent, are they going to go to court?

Any advise would be much appreciated x

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ihateyes

ihateyes

Posted
Posted

Poundstilpayday wont accept..... they will send it to a dca called Clarity who will agree a payment plan...

 

Remember cancel your bank cacrd and set u a new bank account if you havent already

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ims21

ims21

Posted
Posted

Hi missmistake.

 

Welcome to CAG.

 

May we ask the circumstances why your payments fell down? is it reduced income for some reason or did the loans just get on top of you?

 

What is the value of the loans you owe?

 

With the one(s) that say they don't accept payment plans, I would start paying them a token £1 per month. If they send it to a dca then thats up to them....it doesn't alter things from your point of view.

 

I wouldn't worry about the accounts going to a dca....they are toothless threat monkeys. They try to intimidate you and will tell you all kinds of nonsense to get you to make payments beyond that which you can afford. Ignore their threats.

 

If they do come to your home you can tell them to S*d Orf....they have no powers to enter your home or take stuff away and when you tell them to leave your property they must go. If they don't then they are committing Trespass and you can call the police to remove them. If you are threatened with a doorstep visit, there is a template letter in the library which you can send. Also you can keep one to give to anyone who calls on you.

 

Keep copies of all correspondence with everyone and the golden rule NEVER TALK TO DCAs ON THE PHONE. If they call you do not go through their security questions, just say to them to put everything in writing and hang up. There is also a template letter regarding telephone harassment in the library.

 

The thing to remember here is that you control your money...do not let the loan companies or the dcas take control.

 

The upshot of all this is if you make your token payments for as much as you can easily afford they would be stupid to go to court and the judge would not be best pleased with them in wasting his/her time. You will have the paper trail that you have tried to be reasonable and come to an arrangement, you have been making payments that you can afford and that they have acted unreasonably and unfairly.

 

Hope this helps

 

ims

 

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missmistake

missmistake

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  • Author
Posted

Hi thanks for your response. I took out a loan to pay for a car repir and kept rolling over and somehow it has spiralled from there. I now owe around £2000 in payday loans (and this is a lot more than my monthly income) . Really stupid I know but hoping to get back on track and regain control one day. It is very scary though because some companies are rude and very unhelpful.

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onlyateacher

onlyateacher

Posted
Posted

I defaulted with Pounds Till Payday 3 months ago. It took them 2 months to send my file to Clarity. I now have an instalment plan with them. My advice is to return phone calls to PTP. They are fine to deal with- just keep telling them what you can afford to pay. They did not contact my employer or hassle me- I think I had 4 phone calls in all from them. Good luck!

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missmistake

missmistake

Posted
  • Author
Posted

Thanks well have answered their calls so will just have to wait and see with that one. Two companies i have not heard from are Payday UK and Quickquid:|. How are they at dealing with repayments.

 

Thanks to everyone for the help and support makes this process a bit less daunting.

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ims21

ims21

Posted
Posted
Thanks well have answered their calls so will just have to wait and see with that one. Two companies i have not heard from are Payday UK and Quickquid:|. How are they at dealing with repayments.

 

Thanks to everyone for the help and support makes this process a bit less daunting.

 

Hi there

 

I wouldn't worry on "how are they at dealing with repayments", consumer debt is the lowest priority for you. The important things are rent/mortgage/utilities/council tax etc.

 

It is you who are about to take control of this situation....not them.

 

If I were you I would do myself a budget for your own reference to find out how much you can afford to repay these companies and then tell them that this is what they are going to get. (In writing of course....no more phone contact).

 

You can then pay them on line or via standing order (not direct debit or debit card).

 

ims

 

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missmistake

missmistake

Posted
  • Author
Posted

Thanks for all the advise! I will try to hold strong and work my way through this mess. Been getting calls at work though is there any way to prevent this. Also the companies that have not responded, should i call them to make sure they receiving my emails?

Thanks again.

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ims21

ims21

Posted
Posted

Hi

 

Calling you at work?.....That is a NO, NO. I can see an OFT complaint coming on.

 

You can write to them and tell them that they are in breach of regulations by calling you at work ad that if they do not stop immediately you will be reporting them.

 

Regarding the e-mails, you really shouldn't be calling them. Write to them snail mail. That way you have a paper trail in case it is ever needed. Things can be said on the phone that cannot be backed up.

 

ims

 

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kate1975

kate1975

Posted
Posted
Hi

 

Calling you at work?.....That is a NO, NO. I can see an OFT complaint coming on.

 

You can write to them and tell them that they are in breach of regulations by calling you at work ad that if they do not stop immediately you will be reporting them.

 

Regarding the e-mails, you really shouldn't be calling them. Write to them snail mail. That way you have a paper trail in case it is ever needed. Things can be said on the phone that cannot be backed up.

 

ims

I to have had an absolute nightmare regarding PTPD ithey rang me and i told them i was in financial difficulty that i couldnt repay them all at once i got a loan of £280 because i missed the repayment date i have to pay back £422.59, they were not interested in what i had to say, then the following day when i went into work one of the ladys in the office came and handed me a piece of paper with PTPD phone number on it saying that they had left a message on the answering machine regarding my account being in arrears:mad2: was so humiliating, they then past my file on to CRS some DCA they were not interested in accepting a monthly payplan any advice would be greatful

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quackquack

quackquack

Posted
Posted
I to have had an absolute nightmare regarding PTPD ithey rang me and i told them i was in financial difficulty that i couldnt repay them all at once i got a loan of £280 because i missed the repayment date i have to pay back £422.59, they were not interested in what i had to say, then the following day when i went into work one of the ladys in the office came and handed me a piece of paper with PTPD phone number on it saying that they had left a message on the answering machine regarding my account being in arrears:mad2: was so humiliating, they then past my file on to CRS some DCA they were not interested in accepting a monthly payplan any advice would be greatful

 

Hi I have just had a 2 month payplan with ptpd they were good with me my account manager was stephen and I paid in bits and bobs by faster payment till I paid it off within 2 mnths ,I robbed peter to pay paul to pay one off first now the account is closed so they can do plans it depends who you talk too and quick quid the thick dumb arses who do not understand humans will cave in too just stick it out and cancel ur card and pay them with a pre paid debit card only

:violin::ban::lock1::bump::clock:
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sammie89

sammie89

Posted
Posted

I've got horrendous problems with Payday loans. I was an idiot to take more than one out to repay another and they spiralled out of control mainly due to illness in the family (been a horrible year, mother admitted to hospital) then I lost my debit card and the troubles stemmed from there. I have other debts too, but am considering bankruptcy, however I would rather try to pay these payday loans off if I can. I changed banks and have sent token payments of £5.00 each and begged them to give me a bit of time to sort myself out. Yet nobody will help me and I'm worried sick, with the stress of starting my Nursing next year, I don't know if I can take much more! You try to do the right thing and you get nowhere. Do these people accept monthly repayment plans as I don't see why they can't, Any help would be much appreciated, ta!

Plus one idiot did call me at work and got me really upset. Isn't that breaking the law?

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quackquack

quackquack

Posted
Posted (edited)
I've got horrendous problems with Payday loans. I was an idiot to take more than one out to repay another and they spiralled out of control mainly due to illness in the family (been a horrible year, mother admitted to hospital) then I lost my debit card and the troubles stemmed from there. I have other debts too, but am considering bankruptcy, however I would rather try to pay these payday loans off if I can. I changed banks and have sent token payments of £5.00 each and begged them to give me a bit of time to sort myself out. Yet nobody will help me and I'm worried sick, with the stress of starting my Nursing next year, I don't know if I can take much more! You try to do the right thing and you get nowhere. Do these people accept monthly repayment plans as I don't see why they can't, Any help would be much appreciated, ta!

Plus one idiot did call me at work and got me really upset. Isn't that breaking the law?

bless the people on here are excellent giving us all great advice they have helped me so much and just like you iv been living in limbo still am feel sick in my stomach cant function at work properly cant sleep because its on my mind night and day but if you feel like this too why dont you talk to a solicitor you can get free advice from one in your local directory and tell them whats happening with you and im sure they will give you the best advice possible as to wheather bankruptcy is your option or not ,personally i think you probably do not need too and you can with the right help pay off these debts and as they tell you on here dont speak on the phone to them just email but go and look in your local directory and phone a solicitor noe one that advertises free legal advice and good luck ul be fine xxxxxxxx Edited by quackquack
we need help but we made mistakes we can overcome in time
:violin::ban::lock1::bump::clock:
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