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    • Agreed, let them default. Keep everything in writing, if they ring to discuss the accounts over the phone, simply say 'everything in writing please', and hang up. They'll soon get the message. Get all of your paperwork in order too, if you haven't got any, or are missing relevant documents, then you can SAR the original creditor, which is free and they have 30 days to supply the info. Keep a diary of events too. sit back and relax, YOU'RE in control, not them.
    • thought you said you had an sjpn? dx  
    • dont go near them bunch of scammers! ive removed ref. dx  
    • I used to post regularly in order to provide factual information (rather than advice) but got fed up with banging my head against a brick wall in so many cases when posters insisted black was white and I was writing rubbish. I have never posted anything which was untrue or indeed biased in any way.  I have never given 'advice' but have sought to correct erroneous statements which were unhelpful. The only username I have ever used is blf1uk. I have never gone under any other username and have no connection to 'bailiff advice'.  I am not a High Court Enforcement Officer but obtained my first 'bailiff' certificate in 1982. I'm not sure what records you have accessed but I was certainly not born in 1977 - at that time I was serving in the Armed Forces in Hereford, Germany (4th Division HQ) and my wife gave birth to our eldest.   Going back to the original point, the fact is that employees of an Approved Enforcement Agency contracted by the Ministry of Justice can and do execute warrants of arrest (with and without bail), warrants of detention and warrants of commitment. In many cases, the employee is also an enforcement agent [but not acting as one]. Here is a fact.  I recently submitted an FOI request to HMCTS and they advised me (for example) that in 2022/23 Jacobs (the AEA for Wales) was issued with 4,750 financial arrest warrants (without bail) and 473 'breach' warrants.  A breach warrant is a community penalty breach warrant (CPBW) whereby the defendant has breached the terms of either their release from prison or the terms of an order [such as community service].  While the defendant may pay the sum [fine] due to avoid arrest on a financial arrest warrant, a breach warrant always results in their transportation to either a police station [for holding] or directly to the magistrates' court to go before the bench as is the case on financial arrest warrants without bail when they don't pay.  Wales has the lowest number of arrest warrants issued of the seven regions with South East exceeding 50,000.  Overall, the figure for arrest warrants issued to the three AEAs exceeds 200,000.  Many of these were previously dealt with directly by HMCTS using their employed Civilian Enforcement Officers but they were subject to TUPE in 2019 and either left the service or transferred to the three AEAs. In England, a local authority may take committal proceedings against an individual who has not paid their council tax and the court will issue a committal summons.  If the person does not attend the committal hearing, the court will issue a warrant of arrest usually with bail but occasionally without bail (certainly without bail if when bailed on their own recognizance the defendant still fails to appear).   A warrant of arrest to bring the debtor before the court is issued under regulation 48(5) of The Council Tax (Administration and Enforcement) Regulations 1992 and can be executed by "any person to whom it is directed or by any constable....." (Reg 48(6).  These, although much [much] lower in number compared to HMCTS, are also dealt with by the enforcement agencies contracted by the local authorities. Feel free to do your own research using FOI enquiries!  
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Help with contacting payday loans for repayment plan


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Hi I'm new to this site and just wanted a bit of help to contacting my

payday loan lenders. I have emailed wonga on 3 occasions over last 2 days and have had no response does anyone know errol damelins email adress so I can copy him in.My payment was due yesterday and I have not been able to pay them this is due to my husband leaving and now my financial situation has changed.

I also have 4 other pdls with pduk, lending stream. Express finance and quick quid is it best to email them and how long will it take to setup a payment arrangement as I want to clear these as soon as possible. I am unable to change bank accounts as the company I work for will only pay our salary into a certain bank account any advise would be much appreciated thanks

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Welcome to CAG,

 

I have moved your thread to the PayDay Loan forum, where you will get lots of advice. Have a read round some of the other threads and see if there is a situation similar to yours as well.

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

1: How can BCOBS protect you from your Banks unfair treatment

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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Payday Express wont set up a payment agreement with me. I found Wonga quite helpful actually, and they accepted my payment agreement first time round (£30 a month). Payday UK seem to be ok for setting up payment arrangements, im due to default on friday and will try and set up one then (have rolled over twice already). Not had any dealings with lending stream so cant comment. I do have a PDL with Pounds 2 pocket who are also quick quid. not sure about arrangements with them either as i havent set up an agreement with them. Email all the companies, keep copies of emails, state your keeping copies of the emails and you expect a response within 24 hours. As for your bank account, cancel your debit card, not sure about how else you can work it, unless you talk to your work? maybe someone on here will be able to help a bit more as im only new!

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I am new to this and can't seem to start a thread! I have just set up a repayment plan with Wonga, I am usually good at paying back but this one has gone too far to pay back in one go.I found them to be quite helpful and have set up a 6 month plan. My only question is, has anyone set up a repayment and received monthly reminders through the post? They informed they post out letters from the 25th of the month onwards to remind you of the plan and that the payment is due, given how many people are probably in a repayment plan with Wonga I find this hard to believe - can anyone advise ?

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I am new to this and can't seem to start a thread! I have just set up a repayment plan with Wonga, I am usually good at paying back but this one has gone too far to pay back in one go.I found them to be quite helpful and have set up a 6 month plan. My only question is, has anyone set up a repayment and received monthly reminders through the post? They informed they post out letters from the 25th of the month onwards to remind you of the plan and that the payment is due, given how many people are probably in a repayment plan with Wonga I find this ha

 

rd to believe - can anyone advise ?

 

Hi thanks for your replies can you let me know how you contacted wonga

as I have emailed them twice at [email protected] and also [email protected] and [email protected] but not sure if have correct adress for erroll and have no response.how long did it take wonga to agree to plan as they have now started taking small amounts from my bank account and now being charged £25.00 each time payment authorised as account is now overdrawn thanks

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Hi Beensilly

 

Just noticed your predicament with Wonga. You mention that you cannot change Bank Account because of your work. Can I suggest you report your debit card as lost/stolen and ask for a new one to be sent to you?

This should help to stop them helping themselves to your bank account. If you gave Wonga authorisation to use direct debit when you applied, keep an eye open for any new direct debit they might set up, after they realise they can`t debit your card and pillage your bank account.

 

I did this with 3 Payday Companies and it stopped them from getting any money from my bank account. Hope this helps.

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Hi asmilecostnothing

 

do you know the email address for Errol damelin as think I have sent to wrong email address. I still have not had a response to my other emails sent to wonga collections and debt management team and this has been two days now. How long dies it take for pdl to come back to you as don't know if I should call them to advise of situation to prevent further payments being taken from my account thanks

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Hi asmilecostnothing

 

do you know the email address for Errol damelin as think I have sent to wrong email address. I still have not had a response to my other emails sent to wonga collections and debt management team and this has been two days now. How long dies it take for pdl to come back to you as don't know if I should call them to advise of situation to prevent further payments being taken from my account thanks

 

Hun you had it right I think just name without the double LL

Sorry I know it is frustrating but there is no legal remit on these companies having to answer you by email, if experiencing no replies I would formally write to them and try sending recorded delivery 2nd class

 

Anything is better then resorting to phoning - verbal convo's are the worse unless you can record

 

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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Any letters written to these companies should be headed quite clearly OFFICIAL COMPLAINT - they are obliged to comply within timescales laid down by the regulatory bodies. General letters have no time scales.

 

If they dont respond, their reply is unsatisfactory or they refuse to provide you with a final response letter, then you can take your complaint to the Financial Ombudsman.

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

1: How can BCOBS protect you from your Banks unfair treatment

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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Hi

 

Thanks to everyone for your replies it has made me feel so much better that I am not alone

I have received 2 emails from wonga one yesterday saying I can make 3 payments of 202.00 a month and another one at 3.am this morning saying they will freeze intrest and charges if pay £50.37 a month for 11 months and to sign onto there site to agree to this. Does any know if I do this if it will be ok or should I ask for there bank details and send payment to them. I don't want to agree to this if they take different amounts each month. I am ok with the payments as I offered £50.00 a month

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Hi

 

Thanks to everyone for your replies it has made me feel so much better that I am not alone

I have received 2 emails from wonga one yesterday saying I can make 3 payments of 202.00 a month and another one at 3.am this morning saying they will freeze intrest and charges if pay £50.37 a month for 11 months and to sign onto there site to agree to this. Does any know if I do this if it will be ok or should I ask for there bank details and send payment to them. I don't want to agree to this if they take different amounts each month. I am ok with the payments as I offered £50.00 a month

 

 

I would want their bank details in order to set up a standing order - which you then have control of. See what others have to say.

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

1: How can BCOBS protect you from your Banks unfair treatment

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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Sorry why email for bank details ? from others posting in the past you won't get a reply and which just gives the lender another inch to say 'payment hasn't happened or has been delayed, here is another charge potencially'

 

Bank account details on this site under the Wonga forum and available on their website under Help section

 

On your standing order or bank transfer put account number, D.O.B and surname if you can fit it all in

then I'd email my reply as confirming payment made, and you'll be winning

 

x

 

PS sorry if I sound crochety just had enough now of the tricks these blessed people try and pull! grrrr!!

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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I have a lending stream account and they have set up a repayment plan for me which will have my debt paid in 3 months. Email them, they were very helpful. One thing I did say to them was that because of my dire financial situation that I no longer had a bank card and asked that they give me their bank details in order to set up the payment - which they did. I also got a new card by tellilng the bank my purse had been stolen - when I have changed my card before I just said that I lost it and they said that payments could still be applied to it until my new one was issued - if it's stolen then any payments being applied to the card will be blocked immediately only direct debits and standing orders were unaffected. This way I am in control of my account and my other payday lenders can't go in and help themselves leaving me more broke than I am already.

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I would be rather concerned, if after advising that I had lost a bank card, that the bank would continue to allow monies to be requested. At the very least, I would expect them to confirm with me, that the payment request was genuine before allowing it!!

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

1: How can BCOBS protect you from your Banks unfair treatment

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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Yes totally agree except in my case there was no money left in my account, I made sure that I had taken out what was in there and knew that there wouldn't be any in until my next pay day by which time I received my new card so the old one was void by then.

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