darren v payday express **

[sammie89]

I've sent this lot a token payment of £5.00 to start off with. I sent them several emails and now one letter begging them to freeze interest and to give me time to sort myself out. They've phoned me at home, mobile, (my parents too) and at work and now it is getting silly. I keep on getting texts, messages and emails saying that they haven't recieved anything, but I know since July, I've kept in touch plus I paid the last interest on my new debit card! My mother was in hospital in July and I defaulted due to losing my old card. got a new one and forewarned these clowns about this and what did they do? Ignored my emails and tried to take money from my old card. I eventually got the new one and they took money off of there, but they sent no apologies and they have been ignorant all the way through. These people obviously can't read otherwise they wouldn't cause unnecessary stress to people.

I'd like to know what they would do, if they had illness or a loved one in hospital (serious illness mind not a small thing at all) and see how they feel getting harassed when they are still getting paid. They are *******s!

[metodo09]

I am also encountering problems with Payday Express. I am on medication for depression which makes matters worse. Has anyone complained to the OFT? All my e-mails are ignored. What I can't understand is every non priority creditor accepted a repayment plan. Why are Payday Express so different? Are they trying to grind people down?

[Darren MO]

I've sent this lot a token payment of £5.00 to start off with. I sent them several emails and now one letter begging them to freeze interest and to give me time to sort myself out. They've phoned me at home, mobile, (my parents too) and at work and now it is getting silly. I keep on getting texts, messages and emails saying that they haven't recieved anything, but I know since July, I've kept in touch plus I paid the last interest on my new debit card! My mother was in hospital in July and I defaulted due to losing my old card. got a new one and forewarned these clowns about this and what did they do? Ignored my emails and tried to take money from my old card. I eventually got the new one and they took money off of there, but they sent no apologies and they have been ignorant all the way through. These people obviously can't read otherwise they wouldn't cause unnecessary stress to people.

I'd like to know what they would do, if they had illness or a loved one in hospital (serious illness mind not a small thing at all) and see how they feel getting harassed when they are still getting paid. They are *******s!

 

How much do you owe and how much have you paid back?

[metodo09]

I owe them 500 pounds technically. However, they are now adding interest and ignoring my e-mails. If I knew they would freeze interest I would make a token payment.

I have considered going on a national debt line DMP. If this would stop the hassling phone calls and e mails I would sign up. I do have substantial non priority debt. However, every creditor has accepted my repayment plan.

 

I am slightly cautious of going on a DMP as they told me I would not be able to put money away. (to save) They said savings are considered a luxury. I have one daughter who is at Uni and I had to help her with the deposit for her flat. My second daughter will start Uni Sep 2012. Plus I have my youngest daughter too.

 

I am curious as to why Payday Express make people suffer?

Pay day loans can be dangerous. In some States in the USA they have been banned.

[Darren MO]

I am going to repay £250 and that is it i am going to give £20 tomorrow and bits when i can, the thing concerning me still though is how would i argue over charges if i payed them £250 is there anything i can do to make them go away?

[quackquack]

I am going to repay £250 and that is it i am going to give £20 tomorrow and bits when i can, the thing concerning me still though is how would i argue over charges if i payed them £250 is there anything i can do to make them go away?

just keep sending small payments to them until u have paid in full Edited September 13, 2011 by quackquack
just pay what u owe they wont take u to court for the added interest and when u have paid them tell em to sod off

[Darren MO]

i am going to, But then when i have paid in full £250 is there anything i can do to get them off my back.

[Ell-enn]

Darren, you'll just have to keep making payments till you've paid what you think you owe then write to them stating you believe you have repaid in full. After that you'll just have to wait and see what they do and take it from there. There's no point in keep asking what they will do as no-one can answer that.

[Darren MO]

I'm not asking what they will do i am asking what i can do, is there anything by law i can do to stop them wanting money when i have repaid loan amount + 1 months interest?

[Ell-enn]

As I said, pay them then write to them telling them you believe you have paid in full. You can't do anything about them harrassing you after you've paid - until you have paid. Only then can you deal with whatever they do. Just make payment first.

 

You're trying to deal with the future when you should be dealing with the present.

[Darren MO]

Just recieved this in an email from Mini credit

 

 

We would like to remind you that your MiniCredit overdue loan balance is £504.00.

 

If we are unable to recover full amount within next 10 days we'll send Your account to THE DOORSTEP COLLECTOR and You will incur extra costs.

 

We may also contact Your employer and start legal action against You. We also report the status of Your outstanding account to Credit reference agencies. All this process affects your credit score adversely and ability to receive credit in the future.

 

 

Best regards

 

Minicredit.co.uk

Debt Collection Team

Tel: 08718903015

http://www.minicredit.co.uk/contact

 

 

HOW SHOULD I RESPOND TO THEM?

[dx100uk]

no send that straight to the authorities

 

esp the threaT OF contacting your employer

 

very very naughty!"

 

ignore them otherwise.

 

dx

[Darren MO]

no send that straight to the authorities

 

esp the threaT OF contacting your employer

 

very very naughty!"

 

ignore them otherwise.

 

dx

 

I know they never have sent debt collectors but what can i put in a email telling them not to send people to my house?

[Darren MO]

no send that straight to the authorities

 

esp the threaT OF contacting your employer

 

very very naughty!"

 

ignore them otherwise.

 

dx

 

I also wanna send them something concerning them threatening to contact employer

[LindaSmallman]

If you have their account details, surely you can just pay in some money with your name/postcode/any reference number you have from them???