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    • when did they (who) inform you there was a 'police case' and when was this attained? i will guess the debt is now SB'd as it's UAE 15yrs. have you informed the bsnk ever by email/letter of your correct and current address? you can always ignore anyone else accept the bank,  Block and bounce back all emails. Block any text messages  Ignore any letters unless it's: - a Statutory Demand - a Letter Of Claim - a Court Claimform via Northants bulk.  
    • I left Dubai 8 years ago and intended to return. However a job prospect fell through. I’d been there for 15 years. I decided to pay my credit card and the bank had frozen my account. There is no means to pay the CC so completely unable to pay when I wanted to other than the bank advising me to ask a friend in the UAE to pay it on my behalf!  fast forward bank informs there is a police case against me for non payment. Years later IDR chased me and after months/ years they stopped. Now Judge & Priestley are trying their luck. Now I have received an email in English and Arabic from JP saying the bank has authorised them to collect debts. Is this the same as IDR although I didn’t receive anything like this from them. Just says they are authorised?
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Advice Needed


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Hi,

 

Basically same old story as everyone else and got stuck with numerous payday loans. Due to a recent split with wife I am unable to pay these off. I was working on them one by one and paying off interest of the others. I cannot do that now.

 

I have readied myself for this and have opened a new account and reported old debit card as stolen. I know they may still apply but is aas much as I can do.

 

I am going to e-mail them all tomorrow to explain the situation and what I am proposing to pay. Realistically this will be £30 a month.

 

I have a house with my ex and am worried this is in danger but then I am sure these are unsecured debts so as long as I agree a payment plan with then or a DCA and stick to it I will be ok. Well as much as I can be.

 

My own fault and I know that and I am not trying to avoid it but would appreciate any advice and that my assumptions are correct as I want to get these paid off in 2012.

 

Thanks

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It might be worth looking at the amounts you have to pay back on these loans if you havnt yet defaulted.

 

ask all the lenders if the will freeze interest and charges if you pay them the £30 per month (I assume none of them will but you never know).

 

if none of them will freeze int and charges you may be better off clearing the smallest one or two in full to prevent these charges being added (if they are going to add fees anyway it doesnt matter if they get paid initially) you can then pay the remaining lenders a higher amount the next month as there will be less of them and you will have saved yourself a few hundred pounds in fees etc..

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Thanks very much for the advice and I think that will be my plan in January to clear them. My only problem is that I wont be able to make a payment in December. With splitting up and moving out and we have a son together and I need to give money to them as a priority.

 

I will be able to make payments in Jan as I will have had the initial outlay of moving out. Bond, etc. I have got this through work but obviously have to pay back. So with not paying anything in December I think that idea wont work. Though I will try and suggest one of the lenders repayment higher in Jan than the rest with a view to clearing that off and then working on the next. I know I will incur fees and not complaining about that. I just want to get to agree a figure to pay back so I know where I am and to freeze interest.

 

Am I right on the unsecured debt part?

 

Thanks again for your help

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yes dont worry any threats to your house these are not secured loans.

 

the worst they could ever do is to get a charging order on your property (which would mean you have to pay them back when you sell) but they would have to get a CCJ 1st them apply to the court etc.. to much trouble for them if your wiling to pay them back by instalment.

 

they will threaten court etc.. by mostly empty threats, if you get any court papers turn up get back onto this site and there will be experienced people to help you defend it, not too difficult to defend due to the high costs and charges.

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Many Thanks for all your help and as lowered the stress levels a little bit. I will ensure I make a payment to them every month and try to get rid as soon as I can. I am sure most of them will be ok and see what they say.

 

Again I appreciate your responses

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Just to update on this.

 

Microlend have agreed to a repayment plan though I am worried by some of the stories on here they will try to take more than they have agreed.

 

Liquid Advance wanted £105 now and then arrange a repayment plan.

 

I still have Mini Credit, Early Payday Loans and Cash Genie to deal with.

 

My worry is now that court orders will be done and if the bank does let payments go out then I will be in debt with them. My mortgage is with the bank and I am out of my mind that failure to pay them back will mean house is taken away.

 

Does anyone know what happens here? I have around £3K in debts total to payday loans company and I am offering payments of around £250 to £300 a month in repayment. I cannot let the house get taken and can anyone advise my best options.

 

I know my credit rating will be wrecked regardless but I cannot let get a attachment of earnings or house taken. If I get issued a court order will I get chance to pay directly first before AOE stage?

 

Please any advice is welcome as I am going out of my mind with all this and with break up I cannot cope with it all

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Hi firstly it's massively important that you make sure to keep up to date with your priority payments (Mortgage, Council Tax, Water, Gas, Electric, Tv Licence !

always pay your debts with the funds that are remaining after you've paid these vital areas !.

 

You need to actively default on a CCJ for them to take further action against you such as putting a charge on your property !, they are allowed to apply for this but it would be up to the court to deceide !, if they we're to put a charge on your property it would most likely be a sitting charge meaning if wouldn't become applicable until you sold the property which at that point they will claim the funds back.

 

You are not at this stage yet !, which is very important the likely route is the PDL companies will sell the debt on to a debt recovery firm who will then look to make contact with you and arrange a payment schedule !. The first thing you will know if it does get to the CCJ stage is a blue form from your local county court which is a claim form ! you'd need to fill it out within 17 days and you get a chance to make a suitable offer to the debt (of what you can afford) at no stage of the collections process can a creditor take from you more than you can afford !.

 

Summary:

 

Your debts will likely take this route:

 

LENDER \ DEBT RECOVERY \ and sometimes to a CCJ

 

Always pay in this order

 

MORTGAGE \ GAS \ ELECTRIC \ WATER \ TV LICENCE \ SECURED LOANS PRIORITIES !!!!!!!!!!!!

 

General living expenditure comes next INSURANCES \ MAINTENANCE COVER \ FOOD \ CLOTHING etc

 

With any funds remaining pay your debts they are a non priority of yours though meaning a creditor cant take your house away and can only take from you what your prepared to pay !.

 

Offer the creditors what you can afford and pay it anyway regardless if they let you or not.

 

Also seek some professional help there are 3 main free services who are good at devising a plan for you and making things easier !

 

CAB

PAYPLAN

CCCS

 

If you google their numbers they will be able to help !

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  • 2 weeks later...

Thanks. My main problem is mini credit. They are adding charges and interest every day. I spoke to someone as couldn't get e mails through. She said my debt of £250 that I got will be £2072 in 3 months when they will take legal action. So know this will go to court. Will I be allowed to pay the court order directly as she said it may be a straight AOE. That could cause me to lose my job. I am so stressed which is making me very I'll and can't sleep. Would appreciate any help as worried to death about all this

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She's talking rubbish.

 

Firstly, I'd like to see them take you to court for 10 x the original amount - I'm sure the judge would love that. Secondly, even if they did take you to court, an attachment of earnings order is an enforcement measure - the court would only agree to it if you haven't paid what it had ordered. So stop worrying about that.

 

Don't talk to them on the phone again - it's only on the phone that they make these ridiculous claims, because they know they'd be in trouble if they did it in writing. I'm trying to find a postal address for them for you, but it's not something that's easy to find! I can't imagine why....

"Then they came for me--and there was no one left to speak for me". Martin Niemöller

 

"A vital ingredient of success is not knowing that what you're attempting can't be done. A person ignorant of the possibility of failure can be a half-brick in the path of the bicycle of history". - Terry Pratchett

 

If I've been helpful, please click my star. :oops:

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http://www.cccs.co.uk/InfoCentre/EnglandandWales/Creditoraction/Courtaction/CCJ.aspx

 

Please see above link, Mini Credit are bluffing you can't get an attachment of earnings before a CCJ

CCJ needs to be issued by a court not this tin-pot company who thinks an email classes as a default notice, please don't fall for it.

 

http://www.cccs.co.uk/InfoCentre/EnglandandWales/Creditoraction/Courtaction/Attachmentofearnings.aspx

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. That is good to know. I tried to e mail mini credit but couldn't find one. The charges are in the agreement so guess I will have to defend it in court. I know the Debts are unsecured and I can pay small payments till get back on track. Am I right in thinking this will be ok whether it be direct, DCA or CCJ?

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Yeah I think so, I recently see their DCA is Daniels Silverman (they MC may pass to this external company) which whilst I don't like DCA, DS being a 'proper' one should at least give you their bank account details or giro slip to be able to pay in at a bank

 

Have you tried reporting Mini Credit?

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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Address for Mini Credit. 30 Borough High Street, London, SE1 1XU

 

Anything is better then being on the phone to them

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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No. Going to try get e mail address. I don't mind dealing with a DCA but they said will be straight to court. Will write or e mail so I have a record.

 

I still have another 7 companies to sort out but hoping I can pay direct. Anyone know about Liquid Advance, cash genie, 247 money box, wage day advance and early pay day Loan company?

 

If can get agreements in place it will relieve a lot of stress.

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try this as email address.... can't guantee it will be work

 

 

Edit: and try this

 

 

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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Quote I still have another 7 companies to sort out but hoping I can pay direct. Anyone know about Liquid Advance, cash genie email [email protected]

, 247 money box, email [email protected] wage day advance and early pay day Loan company?

 

The others I really don't know about - not used them

Someone else?

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 I have negotiated with Cash Genie now who seem very reasonable and will accept my payment. My main problem is Mini Credit. They have added on £130 to the debt in 4 days!! Trying to get a loan via work to pay this one off though I will be offering considerably less. If I can get that sorted it will be a huge relief. 247 Moneybox dont seem to know how to respond to e-mails and EPDl havent even replied. Other than that dealt with most.

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Most dont really. Cash Genie is charging me £75 extra than amount due and I am paying £20 a month. I know it is more than original debt but I kind of expected a penalty for failure to pay and accepting the repayment plan which is peace of mind for me for that loan and that is worth the £75. Mini Credit are just rip off merchants who try to collect the debt 3 times a day and charge you £5 for it. I just want rid of these and spread the word to everyone avoid Mini Credit - Though in my case I never want to see another payday loan company after I get these in order. Totally my fault and I accept that but some of them are pure evil once you default. To balance this out I would like to add that the majority of mine Wonga, Cash Genie, Txt Loan and Micro Lend have been very fair and reasonable.

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