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Bombaymix

Payday express refusIng to be part of my DMP... Any advice?

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Hi bom

 

This is just a thought regarding the Payday Loan,

 

http://www.itv.com/daybreak/money/ph...islation-2012/

 

http://www.abcul.org/media-and-research/news/view/193

 

Finding a Credit Union :- http://www.findyourcreditunion.c o.uk/home


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Remember you do not have to send the IE to them if you do not wish to (as others on here will tell you only a judge can demand to see one) thats is up to you ....if you do then don`t let them see any wage slips or bank statements ... probs a letter on here for that as well !

 

Make sure you are not short falling yourself when doing the form and I think that someone on here will be able to give you the amounts that most DMP`s use as a guide line depending wether you are single or filling the form in as a couple as to living expense etc.

 

Keep strong ....remember the IE is a personal document !

 

Spots1

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Thanks again spots :)

 

Whilst I've always followed advice from here... I think I'm gonna cave in a little and send them the income and expenditure form. No more, no less!

 

They can ask for bank statements, they can tear my I and e to shreds and tell me my rent amount is too much and that I should rent a shed for a month just to pay them back. They can whistle for anything else!

 

For me, this is my last chance with them. I feel like I'm back in the driving seat now. Maybe they're hoping I won't cooperate with them so they can take me to court? Or maybe they've realised that I am willing to clear the balance.

 

At last I think I'm making progress. But am not holding my breath. I will offer what I can afford. If they dont accept, then I tried my hardest. More ammunition for me to add to my complaint to the fos and oft.

 

Thanks for your continuing support and advice.

 

Will let you know as soon as I receive any more replies from PDE :)


It never rains but it pours...

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I don't know if my situation will help you see some light at the end of the tunnel but i am going through financial difficulty at the moment and have a £440 (plus £110) interest with payday express, have had it deferring over a few months and i phoned them before Christmas to advise them of this, as i am sick of paying interest and nothing else. I was passed from pillar to post and had my account on hold for 2 weeks. They took £45 late payment fees from my account today and I spoke to a few people then a manager phoned me back quite a few hours later. He told me my account was now £660 as more interest had been added. He credited the £110 and also put the £45 back in my bank account and agreed a payment plan with me for £10.00 per week with no extra interest.

Keep at them...they will give in! I have received my credit agreement via email

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Thanks kayester.

 

Glad to hear that you have got somewhere with them.

 

I returned my income and expenditure details to them today. The amount I have left to live on after my living expenses is actually minus. So I don't know what they will make of those details. I fear that they will send it back with suggestions on how I can cut down on expenses etc lol.

 

I was reluctant to go against some good advice here and provide them with these personal details. I just want to continue showing them that I do want to pay what I owe and that I will cooperate with them and provide details. If only they accepted my DMP they'd have probably been given these details anyway.

 

I await a reply from my email.

 

I can't see them agreeing to my offer, I'm sure they're going to try and increase it.

 

It's nice to be able to hear my ringtone again!! Phone was permanently on silent for nearly a month!!

 

Still not sure if it was my official complaint email that started the cooperation off or if it is common practice for them to act like idiots for 3 weeks before getting involved and trying to work things out.

 

Again. Thanks for following the thread. I'll keep you updated :)


It never rains but it pours...

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Honestly with all the ones I did this with I never once heard them say ..you shouldn't be paying this, that.. there was no comment. It's living costs at the of the day, don't be afraid to admit it and you'll soon be through this hurdle worrying about the next one in life

 

Do insist you get confirmation of plan/freeze of interest/reduction of charges/what the account balance actually is etc - it could prove important further down the line.

 

I reckon it will be alright - you've both shown willing x


Happy to share my experience but for your own protection, please check and double check what myself and other Caggers inform

...

“Nothing in this world can take the place of persistence.”

 

:-)

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Hi asmilecostsnothing!

 

It's probably me just thinking negative thoughts lol. I shouldn't really speculate until I get the reply. They have just wound me up for too long now with their rejection and ignorance.

 

The email I received was reassuring and I could quote a lot from it if I don't get the outcome I hope for... Basically states that as soon as they receive my I and e that they'll agree to a payment plan.

 

I'll edit out the personal data and copy it here tomorrow. I can imagine though if anybody at PDE reads these forums they'll know by now who I am anyway because of amounts quoted!! Lol

 

If this thread has had some influence on their decisions then it can't be a bad thing anyway. I've told No lies about the company I've been truthful from the start.

 

I'll be asleep most of the day following my night shift but hopefully will update tomorrow with good news!

 

Thanks x


It never rains but it pours...

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I know where your coming from - why do we think they don't have a facebook page!!!!! I particularly like the lengthy disclaimer on the bottom of the 2 line email they cared to send me last week at 17:17!which more of less made reference to if our staff agree with u it's more then their jobsworth - that is cruel but I guess how these operations are run and I was never able to be rude because I know at the end of the day they are just doing a job Hoping it's good news my friend : ) I'll have everything possibly crossed for you!x


Happy to share my experience but for your own protection, please check and double check what myself and other Caggers inform

...

“Nothing in this world can take the place of persistence.”

 

:-)

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Well.

 

No reply from them today unfortunately. Maybe they're sat there scratching their heads at my income and expenditure details.

 

Will keep you updated with any response I get.

 

Phone calls, text messages and ring back calls have completely stopped now though :)


It never rains but it pours...

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I'm truly sorry mate x just don't let the frustration get to you

maybe it will take a couple of days - or they will just write a letter about a plan instead of emailing?

 

Well I got home to a letter from them today :-(

only took them a week, nearly had the waterworks because I was that wound up but decided enough is enough !

 

I'm sorry I can't believe I've ever thought anything of this company - it's management is a disgrace

I can't believe I used the services of this company for 2 ½ years


Happy to share my experience but for your own protection, please check and double check what myself and other Caggers inform

...

“Nothing in this world can take the place of persistence.”

 

:-)

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Hey asmilecostsnothing!

 

Think we've both been loyal customers of theirs for about the same time. In that time, I only ever paid the loan back once in full, the rest of the time it was the monthly extension charge. A frightening amount of money to be honest.

 

When reading here before defaulting, I thought that my conduct over the years would be taken into account and that they may look at my situation with a bit of sympathy. I suffered a mini stroke which had a knock on effect with the amount of hours I could do at work. Also my expenses have increased dramatically - I can no longer walk to work (still a bit unsteady on my feet), buses are useless, a long walk to bus stop and a long walk from bus stop. Unfortunately it's taxis to and from work nowadays.

 

I'm past trying to avoid paying my debts! I done that when I was 18 and naive (and stupid lol). Really just want to get this sorted.

 

This wasn't my only payday loan. Also had to take loans with poundstillpayday and wagedayadvance. Ptp were absolutely fantastic to be fair! Agreed to my dmp straightaway - this was a much more recent loan and they haven't made a penny in extension fees/rollover fees from me. I salute them for helping me out when I needed it.

 

Wagedayadvance, although it appeared that they were ignoring me. I've had an email from them recently claiming that there has been a break down in communication between my DMP and them. They have stated that when they receive the letter of authorisation that they will have no problems in dealing with my DMP.

 

Slowly getting there. I'm wondering whether they change their attitude a bit when they receive payments from DMPs or self helpers?

 

I've started answering unknown numbers again. I've got the confidence now to give PDE a bit of an ear bashing before telling them "in writing only" - although, as stated in my previous posts, they've stopped ringing and texting.

 

The only phonecalls I get now are offering me other loans... And I've been put off this for life!! This is what happens when you dish your number out to payday lenders! Am slowly unsubscribing from all the emails. Never EVER again lol.

 

Nice to hear from you and am glad that you're getting sorted also :) x

Edited by Bombaymix

It never rains but it pours...

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Hi BombaymixHope things are better for you today sunshine : ) Thanks for putting things into prospective x On this note I think you've done over what you can .. I don't say this lightly but have you looked anymore into the debt relief order? I think it was mentioned on a posting on this thread? I know it is a personal decision but when you've done all you can In my ivory tower !! I wasn't used to any roll over c&@p by PDE in 25 loans (now perhaps they did think I was a risk lol!) not until the last loan was I treated in this way I can only imagine what might have happened if I had NOT been a defaulter and that is my gripe, so I didn't realise or appreciate the roll on is the actual killer! so that is how I survied quite a while I guessYou've probably seen this before because you seem like the educate yourself type person like me, but I do kinda get the impression the PDL's hate fee charging DMP's for some reason and that is why your maybe getting the grief (which is quite rich of the PDL's companies if you get me!) I believe over the yrs my phone number has been handed over to the likes of ***** and ***** Crooks by the very companies that don't make it easy when it comes to dealing via them!!!I'm glad the others are going someway to assist - I'm just the same even if that gets me called a 'fan' or a lover (I have a lot to love for!) then so be it but then it does seem to make the process even more barbaric with the ones who have to put a thousand Obstacles in the way hey! Anyway I hope you will have good mail today ! x

Edited by asmilecostsnothing

Happy to share my experience but for your own protection, please check and double check what myself and other Caggers inform

...

“Nothing in this world can take the place of persistence.”

 

:-)

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Thanks for your reply :)

 

Still not had a reply from our friends at PDE. Maybe no news is good news. I'm in a better place now than I was a month ago. I feel more confident to deal with this all now.

 

These forums have helped me MASSIVELY.

 

I think we all believe that we are the only ones that have been Stupid enough to make these mistakes. This site reassures you somewhat. New threads appearing here daily from people also in the same boat. People posting here like I did 6 weeks ago. Out of their minds with worry, wondering how they're going to cope..

 

It's by far turned out to be less of a hurdle than I thought it would be. Yes, of course payday express wanted me to pay them £80-£100 per month forever without ever paying back the original loan. If someone was daft enough to deposit money into my account every month - I doubt I'd turn it down...lol

 

Here's hoping that PDE will email me back tomorrow wanting to be my friends again lol.

 

Again, will keep you updated. Really hope I post tomorrow with the reply I'm waiting for from PDE. If I don't get a response, I might send them 3 emails a day asking for their response - just like they did to me lol.

 

Take care x


It never rains but it pours...

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Well well well!

 

Just received an email from PDE.

 

 

 

Dear Mr*Bombaymix

 

Client Reference: ******

Current Balance: £660.00

 

Your account will shortly be passed to the Debt Recovery Department for further recovery action.

 

You can avoid this by contacting our offices on 0800 012 6863 between 08.00 and 19.00, Monday to Friday or 09.00 and 13.00 on Saturday, and repay the full amount overdue.

 

 

Yours sincerely,

 

Payday Express

Collections Department

 

 

This wasn't the email I've been hoping for... It's the sane email that they've been sending me since I defaulted and asked to go onto a payment plan - only they had stopped sending it and as in previous posts, I was getting a more personal response for a while.

 

Does this look like they've read my income and expenditure form and decided to do naff all about it and start the campaign of pointless email and telephone harassment again?

 

I feel like setting up a standing order for £1 a month to these guys and NOT cooperating with them anymore.

 

Grrrrrrrrr


It never rains but it pours...

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Still nothing heard.

 

Have emailed the 2 named contacts and the customerservice email address asking for an update. Requested also an update on the investigation (telephone harassment) although I'm quiet happy that I'm no longer receiving text messages and automated calls.

 

The email I was sent originally requesting my I and e details (minus personal details and senders information) is below. I read this as once they've received my details then they'll "play ball" and agree to a payment plan??

 

Dear Mr Bombaymix

*

Please find attached a copy of our Income and Expenditure form.

*

In order for us to complete your Repayment Plan application, we would require you to complete the form and send it back to us with an offer of repayment. We would also need you make us aware of your payment method and the frequency that you will be making your payments.

*

We will hold your account until 20th January 2012, for us to receive your completed Income and Expenditure form. Once we have received your completed Income and Expenditure form, we will then be able to set up your repayment plan.

*

If you have any further queries please do not hesitate to contact us

*

Regards

*

 

I did again reiterate in my reply the desire to have them added to my DMP but also, as they have so far refused, offered them the opportunity receive money outside my plan (I will ask my DMP to change the amount I pay and simply give PDE the money directly - a hassle I know, but have always offered maximum compliance with them in order to come to an arrangement... But they still not having any of it.

 

Anybody still following this boring & repetitive thread lol, I'll keep you updated x


It never rains but it pours...

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I wonder if it would be worth reminding them that a DMP has to treat all creditors the same way - pro rata the disposable income. The only priorities would be essential spending mortgage/ct/utilities/etc. No way would they consider an aggressive PDL company a priority.

 

Remind them if it went to court eg if they were to start litigation, the court would not favour them over your other creditors and would almost certainly see that you had made every attempt to include them in the DMP


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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Thanks citizenb!

 

That's how I feel over it.

 

Years ago I wouldn't have bothered so much. Thts what got me into the whole mess in the first place. The 2 I'm having problems with - PDE and WDA... I often wonder if i sent them an email telling them that as they are unable to be part of my DMP that the very most I can offer them is £1 per month.


It never rains but it pours...

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Thanks citizenb!

 

That's how I feel over it.

 

Years ago I wouldn't have bothered so much. Thts what got me into the whole mess in the first place. The 2 I'm having problems with - PDE and WDA... I often wonder if i sent them an email telling them that as they are unable to be part of my DMP that the very most I can offer them is £1 per month.

 

 

I cant see why not.. something along the lines of.. as they are not willing to be part of the DMP, the DMP manager is unable to make allowances for those debts outside of its management and therefore you would only be able to spare £1.00 from your allocated housekeeping budget. Of course if they are prepared to be incorporated into the DMP then the manager will reassess the pro rata payments and the amount set aside for XYZ would be.. £X amount.. :)

 

Nothing ventured, nothing gained :lol:


Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Still nothing heard.

 

We will hold your account until 20th January 2012, PLEASE BE CAREFUL WITH THIS LINE !!!

 

This is what I once heard "holding account at our discrection for 7 days...." while when they wouldn't talk - those 7 days cost me £10 per day which is why I'm now so furious :-x

 

If nothing else make sure you don't get seen of, because I've got a funny feeling this is how they make their charges on people who end up with plans

 

 

Hello by the way Bombaymix :-) Sorry just got a bit taken over then! you can treat me as barking I won't mind but I'd hate to see anyone end up in angish because this company enjoy pulling the wool over the eyes

Edited by asmilecostsnothing
adding

Happy to share my experience but for your own protection, please check and double check what myself and other Caggers inform

...

“Nothing in this world can take the place of persistence.”

 

:-)

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http://blogs.mirror.co.uk/investigations/2011/12/money-shop-owner-forgiven-15m.html

 

Profits at Payday Express more than tripled last year .

Wonder how?!?!


Happy to share my experience but for your own protection, please check and double check what myself and other Caggers inform

...

“Nothing in this world can take the place of persistence.”

 

:-)

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Lol asmilecostsnothing!! No problem.

 

I've pretty much decided my next move. Should PDE and WDA refuse to accept these reasonable repayment offers or keep ignoring/delaying me... They will both be offered £1 per month. After all - my I and E shows that I'm already in negative balance each month.

 

They've had plenty of opportunity, PDE say they can't accept the DMP as the loan was taken out after the DMP but since emailed me with a promise that if I sent them my I and E information and a offer of repayment that they'd accept.

 

Jeez!! Are all these payday loan companies the same?? With the exception of poundstillpayday who agreed to the plan straightaway and who've been receiving payments since.

 

Monday morning. I'll be penning the 2 letters to both companies and sending them recorded delivery. Will contact my DM company and tell them to divide payday express and wagedayadvance's allocated payments between the other creditors and I'll sort them both out their token £1 per month. Obviously I don't want to be in debt to these companies forever, so hopefully they'll quickly send them both off to DCA's who I'll be able to deal with more successfully. It really does pain me to say that I'd rather deal with the likes of Mucky Hall or Lowells over the payday loan lenders!!!


It never rains but it pours...

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Hello,I was on here a few weeks ago ,I too have payday loans that I am attempting to sort out this month.I have changed my bank account thanks to advice found on here and am currently e mailing all companies with a proposed payment plan.I can't seem to find an e mail address for Mr lender can anyone help? Thank u

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I've found

 

info@mrlender.co.uk

there is also complaints@mrlender.co.uk

 

Really I also think you should be starting new threads as your post can easily get missed !

 

xx


Happy to share my experience but for your own protection, please check and double check what myself and other Caggers inform

...

“Nothing in this world can take the place of persistence.”

 

:-)

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Monday morning. I'll be penning the 2 letters to both companies and sending them recorded delivery. Will contact my DM company and tell them to divide payday express and wagedayadvance's allocated payments between the other creditors and I'll sort them both out their token £1 per month. Obviously I don't want to be in debt to these companies forever, so hopefully they'll quickly send them both off to DCA's who I'll be able to deal with more successfully. It really does pain me to say that I'd rather deal with the likes of Mucky Hall or Lowells over the payday loan lenders!!!

 

Hi Bombaymix

Think it could go to Castlebridge in Nottingham for Payday Express

http://www.ccmanagement.co.uk/

oh I do recogonise the picture of the girlie with the headset on... I've seen it before somewhere y'know!!!...

http://www.paydayexpress.co.uk/contactus.aspx


Happy to share my experience but for your own protection, please check and double check what myself and other Caggers inform

...

“Nothing in this world can take the place of persistence.”

 

:-)

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Lol @ the headset lady. She sure is busy!!

 

She looks approachable though to be fair! I might give PDE a call and ask to speak to the headset lady. She sits opposite the abrupt automated man and just down from the work experience boy he sits sending text messages all day lol.

 

Tomorrow is still the day! If nothing is sorted tomorrow. They're getting the snottiest letter ever offering them £1 per month for the next 27 years...

 

A few personal issues today that have left me even more in the mood to fight these reprobates..


It never rains but it pours...

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