darren v payday express **

[Darren MO]

which lenders are the worst for calling at work?

[dx100uk]

the is against all guidelines and regulatory authority rules

 

they are NOT Allowed to call you at wotk!!

 

dx

[BRIGADIER2JCS]

Get the telephone contact letter out

and state that unless it stops

you will report them for a breach of OFT

Guidance section 2.6 (j).

It is unfair acting in a way that is likely to be publicly embarrassing

to the debtor, and section 2.2 (f), (g)

Inform them if they continue you will seek damages

for the embarrassment caused to you at your place

of work, insert an amount of £1000.00 +costs.

[Darren MO]

Has anyone tried stopping payday express phoning?

[Darren MO]

Get the telephone contact letter out

and state that unless it stops

you will report them for a breach of OFT

Guidance section 2.6 (j).

It is unfair acting in a way that is likely to be publicly embarrassing

to the debtor, and section 2.2 (f), (g)

Inform them if they continue you will seek damages

for the embarrassment caused to you at your place

of work, insert an amount of £1000.00 +costs.

 

Does this really work?

[BRIGADIER2JCS]

It certainly does work in most cases,

if it does not carry through the statements made,

don't write it if you don't mean it, no may, might's

say it do it, then tell them you have done it:madgrin:

[Darren MO]

It certainly does work in most cases,

if it does not carry through the statements made,

don't write it if you don't mean it, no may, might's

say it do it, then tell them you have done it:madgrin:

 

Can you say something about it to them before they do it 1st time?

[BRIGADIER2JCS]

Of course, from the very contact you

insist that contact is in writing only to you home

address only, no phone call, e-mails or home

visits, it's your life your choice, same with paying

pay only what you can reasonably afford.

[sillygirl1]

When they phone tell them all calls are automatically recorded and will be used as evidence in an harrassment case. They are going against the OFT guidelines.

 

Tell them you prefer everything in email form or by letter, preferably email as you can answer it the same day.

[Darren MO]

do they usual stop when you tell them basically that you know oft guidelines?

[sillygirl1]

They should stop but make a note of every time they call and report it as an individual incident online to the OFT and Trading Standards, stating you have told them NOT to call at work.

[Darren MO]

They should stop but make a note of every time they call and report it as an individual incident online to the OFT and Trading Standards, stating you have told them NOT to call at work.

 

Who are the worst for ringing at work and is there anyone in particular that doesn't stop?

[Darren MO]

Hi Mustard

 

Never checked my credit file so i dont know about default.

on the repayment plan , they kept phoning me at work, not often about once a week and only because i didnt answer my mobile.

found them ok to deal with. had the usual pay by debt card and pay more than i was offering (guy even said he would get done for faurd if he took a penny more from my card,! yeah right )

but i stuck my guns and they forwarded me there details for payments. phone calls stopped.

 

fernal

 

 

Did you not ask them not to call you at work?

[fernal]

Hi Darren

 

I did on my first email, but as part of my job is to recive phone calls from the public and often i am alone in my office i am lucky that it wont effect my job.

 

fernal

[Darren MO]

Hi Darren

 

I did on my first email, but as part of my job is to recive phone calls from the public and often i am alone in my office i am lucky that it wont effect my job.

 

fernal

 

Did you ask them to stop or did you point out to them that they are in breach of oft guidelines?

[Darren MO]

hi

 

i have had responses from [email protected] and [email protected]

 

fernal

 

Is this louise helpful? is she any gd to contact?

[fernal]

Hi darren

i am new to this debt thingie but here goes

 

no to your questions

 

at first i sent emails to all payday loans that i defaulted on the standered letter reguarding only contact me by email.

since then i have actually found it enjoyable regaurding phone calls, i am strong willed and like a good argument on the phone with them.

some like pdex i find resonable to deal with and i dont mind them phoning me. otheres i love the good old argument on the phone , you cant beat it when they hang up on you and you havent abused them just bored them to death. since defaulting they have never phoned me at home only work and not often i must say, they soon get fed up.

[Darren MO]

Hi darren

i am new to this debt thingie but here goes

 

no to your questions

 

at first i sent emails to all payday loans that i defaulted on the standered letter reguarding only contact me by email.

since then i have actually found it enjoyable regaurding phone calls, i am strong willed and like a good argument on the phone with them.

some like pdex i find resonable to deal with and i dont mind them phoning me. otheres i love the good old argument on the phone , you cant beat it when they hang up on you and you havent abused them just bored them to death. since defaulting they have never phoned me at home only work and not often i must say, they soon get fed up.

 

I just really don't want phone calls at work.

[Darren MO]

I have sent them a payment plan offering to pay £40 a month i have offered £200 with i owe + 1 months interest which i work out to £250 i have a feeling this one could be a tricky 1

[Darren MO]

Hi

Mustard 7 i too am having problems with payday express i have been constantly emailing them to set up a repayment plan finally they agreed to the £20 per month that i had offered i emailed them again for the details so that i could set up a standing order but got no reply then out of the blue i got a email from a debt recovery agency telling me that because i have ignored my debt with payday express they now have the debt and if i don't pay they will take legal action i emailed them back explaining what i had arranged and now they are choosing to ignore my emails so i sent them a email the other day stating instead of sending emails threatening legal action it would be nice of them if they replied to my emails i am still awaiting a reply

 

Did they actually set up the repayment plan threw emails?

[Darren MO]

Has anyone been able to set up a repayment plan with these just by email.

[Darren MO]

When they phone you does it come up as unknown normally?

[Darren MO]

Sorry to keep going on but has anyone set up a repayment plan with these by email they are getting on my nerves big time.

[toptrapper]

Hi Darren,

 

Try not to get too wound up, this company are well, poor at best at responding by e-mails. I set up an arrangement over the phone, all agreed, no issues. 2 weeks later, a snotty standard letters demanding arrears. Yep, right, like that's going to happen. The only thing I can suggest is keep trying the e-mail route, keeping copies and paying in cash what you can afford, and not what they demand. I'd also suggest cancelling any bank cards you may have set up.

 

As for phone numbers, I used to receive them from 0800 012 6347, I no longer answer them, just record the time and date and log as a complaint to OFT (one shortly going to FOS, they're hassling me for £130, let's see how they like the £500 will charge).

 

E-mail addresses i've used are

paul st ledger at paydayexpress.co.uk, (supposedly he runs the collections team, not sure as he certainly doesn't respond, customer support at paydayepress.co.uk, (no response so far) and dr at paydayexpress.co.uk. (no response either).

 

Good luck, keep logging the e-mails you send.

[Darren MO]

i have just recieved this email from payday express

 

 

Thank you for your recent email and your request for a repayment plan.

 

Our accepted criteria for a repayment plan is as follows:

 

Severe Disability or illness (not excluding close family members)

Terminal illness or Mental illness (not excluding close family members)

Deceased (not excluding close family members)

Redundancy or Reduced hours (contractual hours reduced by company)

 

If your financial circumstances have changed due to one of the above, we would be able to consider a repayment plan.

 

We will require you to send in bank statements covering the last 2 months to show that you are now in receipt of either financial support or a reduced wage. If you are now unemployed we will also need to see proof of unemployment or redundancy. Alternatively if your circumstances have changed due to personal illness we will require evidence in the form of a doctor’s note or hospital letter, as well as the bank statements.

 

Please be advised that if you do not fit the above criteria or you are unable to provide documentation, a repayment plan cannot be considered.

Should you wish to discuss these options or your account please call our office on 0208 461 6705 and one of our advisers will be able to assist you.

 

Please do not hesitate to contact us should you require any further information.

 

 

Regards,

 

Payday Express

 

 

Now none of there criteria is relevant to me to i don't know what to do next.