Payday Express - could really do with advice **

[asmilecostsnothing]

The below was finally sent a week later, what do I do now? they just won't communicate via email I rung in and got a rude and un-cooperative witch who basically ended the call with ...you should find out your rights before contacting us...!!!Won't be making that mistake againI even sent a letter recorded deilvery to which I've had proof of being receivedIt seems they want to me to pay yet another roll over/extension fee and have closed their ears - surely there is something I can quote to them about telephones and the data protection if this is how they want to play it?What baffles me most is how us debitors are all treated differently if I'm being honest ! I'm mean it's not like they have even tried calling me far from it! just complete ignorall on the situation on their part (their my 2nd largest owed creditor to!)What do you think my next play should be? anyone?Dear Miss xxxxClient Reference: Thank you for your email communication. We are unable to discuss your account information by email due to security implications that relate to our company complying with the Data Protection Act 1998 However, we do need to discuss your account with you and ask that you call us at your earliest convenience on x and we will be happy to discuss any query you may have.Our opening times are:Monday-Thursday: 8AM to 7PMFriday: 8AM to 7PMSaturday: 9AM to 1PMWe look forward to hearing from you.Regards,Payday Express

[ksmiggy]

They will work by emai if they want to , I have to admit though , when I started this, I read up on all the ones I owed and decided on a few to pay off ( was lucky, I could manage to clear a few) after reading how they were, I chose them. I do have bank details for them though if you need them. Keep making them a reasonable offer, point out how much they could have receined by now had they agreed. if they still maintain their stance, send the letter in the template section that points out that you could contest court action on the grounds of their unreasonable behaviour.(its under the title when a creditor wont accept your offer and you don't want them to go to court) it outlines their failings if they dont negotiate and points out theyy wont be able to go to court if they dont. Sorry can't find it at min, if i do will put link up

good luck

 

Found em

http://www.consumeractiongroup.co.uk/forum/content.php?590-Creditors-and-DCAs-Letter-Templates-Budget-Planner

 

I think I sent G out to CRS as they have refused to negotiate and answer any emails , adapted it a bit, but look through and see which you want to send them, recorded of course. let me know if you want their bank details .

Edited September 2, 2011 by ksmiggy

[sillygirl1]

What you can and MUST do is report them to the Office of Fair Trading and Trading Standards for not communicating. They are meant to try to help you - and if they try court the fact that they have NOT tried to communicate can be used against them.

 

http://www.tradingstandards.gov.uk

http://www.consumerdirect.gov.uk for the Office of Fair Trading

[ksmiggy]

Yep and that too, morning Sillygirl have had to report Swift and CFO , the others playing ball at min.

[asmilecostsnothing]

Thanks ksmiggy and sillygirl1, this is really helpful to know.

 

Well I had a call yesterday from PDE...at work (ugh) don't think I'll ever hear from them any other way

But got a totally different person who couldn't be more understanding and says they will accept a plan ... !? it's totally jackal and hyde

 

Me thinks I was talking to someone from the great Nottingham office rather then Bromley cause the number recorded on my phone came up with 0117...interesting...

 

Not sure I trust - made the grave mistake with someone else from CFO - How you getting on with these ksmiggy? I did chuckle when I saw your comment other day re these animals!

[ksmiggy]

CFO have gone silent since I pointed out their failings, I will get back to dealing with them when I have everyone else sorted, sent a recorded letter to CRS other day pointing out that their claims I hadn't been in touch were lies and that I had continually made offers to both them and Swift and that should they want to go to court I would be able to object due to their lack of cooperation( exact wording is on letter lol) Also waiting to see if A&L will go through with chargeback on 247, the guy from fraud dept seemed to think it should go through ok. ( silly people took a payment the day before the due date, oops, I'l have that one back lol) If I get it back , def no charges from A&L (waived anyway)

They all seem to be very much pot luck on who you get, wether they got laid last night or just got the hangover to show why they didn't and how much bonus they need to pay for it all as to how they deal with you.

[metodo09]

I am also having a dreadful time with Payday Express. I am on my own with three teenagers (one at Uni). However, I will never ever make the mistake of using a payday loan again. I have e mailed around 15 times (I have saved all emails). I am offering to repay the balance over six months. However, they refuse everything.

I am making a big effort to turn my life around again. Every non priority creditor has accepted my payment plans. However, Payday Express refuse.

[asmilecostsnothing]

I'm now in the same situation but with Payday UK ! I hate the way these guys play jackall and hyde and why does it get to the last one who says no !!

You must go complain to Consumer Finance Association - www.cfa-uk.co.uk - Payday Express are members

[metodo09]

Thank you for your reply. I have now complained to the CFA.

[nortel]

Payday express are difficult. Mine is current with Castlebridge Credit Management (part of Payday Express). They dont answer to emails either. Needless to say I have complained about both companies to the relevant organisations. Just wondering now where the debt will travel to next, which DCA?

[metodo09]

I think the important thing is to keep all your e mails. So you have proof of all the offers you have tried to make. Its almost as if they are trying to grind people down!

[asmilecostsnothing]

Can't agree more, metodo09! yep keep absoutely everything

in the end I did find PDE agreed to my re-payment figure for 6 months at least before they will want to review, but I had to take it to complaint stage

 

Now having same battle with Payday UK ! AAAARRRGGHHH!

[segway]

hi asmilecostsnothing,

 

could you tell me if you managed to get PDE to agree to a repayment plan in the end via email, or did you have to send them letters in the post? I'm currently emailing them with my proposal but dont want to waste my time. Also if it was via email, what address did you use?

 

Thanks for any advice you can give...

[asmilecostsnothing]

Hi Segway,

 

Happy to give any info I can and help someone else out of the payday nightmare x

 

Here goes, I hope it will help, at first PDE ignored my emails (so try not to worry to much about this) we spoke on the telephone once initially which wasn't helpful after I rcvd an email inviting me to call about my account - the argumentative lady operator said they wouldn't agree unless I was dead (!), got made redunadant, working less hours etc so I have heard it all left with the impression they wern't going to help so as well as my previous post on here I also got in touch with Consumer Finance Association which their members of so have to ahere to conduct and rules set by the CFA

www.cfa-uk.co.uk (their website address where you can contact them as I'm sure it helped in a change of situation if you get me which is where complaining really comes in)

 

Within a matter of days I had PDE on the telephone with a different attitude wanting to help they agreed to my re-payment plan with a review in 6 months) the guy I spoke to was called Stuart Syllvester) I'm not sure if he is at PDE or Castlebridge tbh - but I did get a letter confirming everything!

 

I will PM you further details of which if you would like.

 

Good luck, I am sure you will get there - gotta be persistant with these people just keep on at them and I found taking their calls (welcome or not) did help

[segway]

thanks so much for your response asmilecostsnothing, really helpful information!

[toptrapper]

Hi,

 

Anyone had any joy (or, preferably a response) from the CFA?

 

I submitted a complaint athrough on line form on the 2nd September 2011, nothing heard so I e-mailed "[email protected]" on 10th September 2011. Still, nothing? I note their website suggests queries are answered asap, so unsure if their busy or just slow in responding?

[asmilecostsnothing]

Hi Toptrapper

 

Just sent you a PM with details of a contact I had there, hope it is useful to you

Happy to forward to anyone else

[OhMyGod-TheyAreAllZombies]

What ho!

 

I wonder about this lot. I've emailed them three times and received only the template reply they send out, so I answered the phone to them this morning. A right little shirty p***k was on the other end explaining that due to data protection blah blah they could not discuss account info via email. Or indeed via the postal service like my bank does...

 

My question, having told him my communication preference and having the phone/headset slammed down with a huff , is whether we can still complain about non-communication if we don't take their calls?

[sillygirl1]

Your complaint now is about them having staff who do not understand the Data Protection Act, if banks can discuss accounts on the phone then they can.

[OhMyGod-TheyAreAllZombies]

Hmm, I thought he might be talking out of his little perforation.

 

I have now received 3 text messages from them. So I sent 3 emails back. They're still claiming they haven't heard from me!

 

Not exactly the easiest bunch of people to deal with are they?

 

EDIT:

 

Sod it. Complained to the CFA

 

"I am finding it hard to deal with Payday Express as they will not acknowledge my emails or respect my wish to keep all communications in writing.

 

I feel that this is very obstructive and I find the constant messages stating that I have failed to contact them distressing.

 

I have emailed them 8 times to try to negotiate a repayment plan and so far they have simply ignored me.

 

Is this an acceptable practice?"

 

Sit tight...

Edited September 28, 2011 by OhMyGod-TheyAreAllZombies
New development

[asmilecostsnothing]

Sounds good !

 

Don't give up heart - they do like to play the jackall and hyde game first! keep at them and make token payments because I really do think this could help strengthen a case

In the end I took their call after making complaint and then afterwards, in all fairness to PDE they did actually put it in writing on their headed paper and the deal has been stuck to by both sides until review in 5 months time when I realise I could be going through this again

 

I myself never received anything via email except their generated messages

 

PS. the East Street Bromley address still exists - the company secretary resides there for formal complaints, the other office also in Bromley must handle payments etc

Edited September 28, 2011 by asmilecostsnothing
Correcting

[toptrapper]

Keep us posted how you get on with the CFA, I've raised a complaint to the CFA who have confirmed as they have no mandate to investigate complaints, they won't do so? So, i'd be interested to see if you get a different response!! Good luck!

[asmilecostsnothing]

Sorry but for me personally my complaint has been sorted for the time being with PDE, I got what I wanted that was a repayment plan

 

I would post now to direct others to the services that perhaps, maybe helped me along the way

 

I just kept on at them, made them see the situation I was in by providing what they asked for, be it statements, i&e info and made token payments before they came a-calling, I wasn't comfortable with this but desperate and did eventually get heard

Edited September 28, 2011 by asmilecostsnothing
tidy up

[toptrapper]

Asmilecostsnothing, well played! Pleased you managed to get sorted with them. Have you they confirmed to you in writing their agreement to the repayment plan?

[asmilecostsnothing]

Yeah mate, have it confirmed to in a letter!

 

fixed amount for next 5 months (to make 6 months repayments gives me room to breathe and get some of the forcefall scarer ones paid) then we have to review cause it's a only a low amount but all I can afford at present, not sure what will happen at reviewal but here's hoping I'll have couple of the others will be paid by then so able to offer a larger chunk - thats my hope and plan anyhow!! think I'm doing the snowballing thingy!

 

As I say not sure if this means it is wth Castlebridge management?

How you getting on if I can ask?

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

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