Payday Express - could really do with advice **

[OhMyGod-TheyAreAllZombies]

Well, well, well. Payday Express have been in touch - by email

 

Good work CFA, but...

 

They have sent the email about only offering repayment plans to dead people and requesting my bank statements.

 

I'm neither dead (or indeed undead), unemployed, etc, etc. I'm just horribly in debt. This means I don't qualify for a repayment plan.

 

Don't worry. I don't believe a word of their email. Another go methinks...

Edited September 29, 2011 by OhMyGod-TheyAreAllZombies
Bad English

[asmilecostsnothing]

it is just a generated one I had that to as well as the first person I spoke to telling me exactly the same, you now need to send one back to complain (also try asking for their complaints procedure) and state again you want a repayment plan, remake any offer etc

then wait for their call and answer it (FYI I found they generally try work numbers last)

[OhMyGod-TheyAreAllZombies]

Just had a lovely chat with one of their reps. Apparently they don't understand it when we go on about our rights. Even though I didn't mention them. Still no plan though, no complaints procedure information either. Tomorrow we go for the big guns.

[asmilecostsnothing]

Let me know if you want the Senior Operations Manager's name then !I also found 'forcing payment' of the amount I could pay into their account also helped (used it to my advantage) then they won't have much of a leg to stand on if you are already making payments.The longer it takes to get a plan setup the worse it could become.

Edited October 6, 2011 by asmilecostsnothing

[toptrapper]

Ohmygod-theyareallzombies. Firstly, congtrats on having the best name on the site! Great name! Hope you manage to get sorted, currently I have FOS and OFT investigating, still no joy from "customer services" at Payday Express and/or express Finance Good luck with the big guns.......

 

Asmilecostsnothing - pleased you're getting sorted. Interested in hearing how you got on with the forced payment? This sounds far better than the random "account raping" that PDEXP are involved with! Did you follow up your forced payment with correspondence to them confirming what action you'd taken?

[asmilecostsnothing]

Hey Toptrapper! sorry you're still having troubles with the PDE bunch hope you'll get sorted soon,

unfortunately for them I had their bank details from a previous time when I had to pay in a different way so with them to hand,paid the amount I was trying to get agreed as the monthly repayment amount (admittedly they didn't like it cause it weakens their position...) and sent a copy of my statement proving this and they have never tried denying not having recevied the first payment

and lets say they never tried to get it back in my account.

now I have written letter from them confirming future payments, but, this is also written along the lines of 'my making a complaint'...

 

I am also sorry for people who get their accounts abused but also imagine it puts them (PDE) in the brown stuff and people should persue them on this basis there is card protocal - we should quote data protection back at them lol!

 

By all means I'm happy for you to use this thread in evidence as proof that they do set up repayment plans if that is what your wanting them to do

 

Don't get me wrong, I think it is dreadful how PDEXP can treat debtors differently as there are other threads and users saying they to got a plan setup.

 

I just think getting a payment to them speeds them up and corners them, personally

x

Edited October 6, 2011 by asmilecostsnothing
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[toptrapper]

Good evening "asmilecostsnothing", hope all's well.

 

The fact that PDE are ignoring me is annoying but not the major issue, the fact that FOS have confirmed they're awaiting papers that they requested direct from PDE from 4 weeks ago does rile me up somewhat!! I'm used to being ignored by PDE, i did think though PDE would play FOS with a straight bat!! Obviously not!! Never mind, onwards and upwards!!! Thanks for the offer of using the thread as proof that PDE can set up repayment plans if they feel like it. I'm just miffed they agreed with me to set one up verbally, then decided to backtrack on the deal. I like the idea of paying direct, I know I have a debt to pay, I just want to be treated fairly whilst I pay it off!!

[asmilecostsnothing]

Oh that's utter maddness on their part, have they said why?

No doubt this is obstruction!

I will see tomorrow if I can get my letter scanned up for you,

I was initally deeply suspicious that I was contacted by 'Castlebridge Management' on behalf of Payday Express...

as there was such a difference in the two people I spoke with, the first when I called them direct to discuss and when one of their collections advisor then called me

[asmilecostsnothing]

Here we go I done it, not so sure I can publish the page 2 I have with someones name and signature freely showing as much as I'd like to! it also wasn't the same person I had a conversation with either at PDE... While I must greatly respect Payday Express for putting in writing I believe this page alone should give some weight for others trying to achieve the same thing.

 

Hope it can assist Toptrapper and any body else struggling to get a repayment plan set up

 

xx

Edited October 7, 2011 by asmilecostsnothing
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[OhMyGod-TheyAreAllZombies]

Firstly, congtrats on having the best name on the site! Great name!

 

Thank you my friend. I will be back with news and stuff on Wednesday (12th). There is a reason...

[asmilecostsnothing]

Can you then start your own thread.Whilst I simply don't mind helping or this thread being used as proof/evidence I don't want to get caught up in a matter that for me is resolved with Payday Express as the orginal poster of this thread.

[Gav Kasso]

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

 

Hi could you forward to me or post please ! I need to set up a plan with this lot . Thanks in advance