Jump to content
  • Tweets

  • Posts

    • A couple days ago i started to receive emails from JD Williams all with orders i did not make totalling £450 , two orders with my address listed and another two with a womans name and address in lodnon ( im from wales ) , ,when i received the cofirmation order emails i logged into my account and everything was as it should be (no pending orders)  so thought it was a typical junk/scam email, when i received another order through my email it was bugging me so i used the same email as the username and a very old password and it logged me into a old account i never knew existed , this is the account the orders were made through.the items were already dispatched so it was to late to cancel , i contacted jdwilliams and they put a fraud marker on my account and told me to email jd willimams fraud team ( waiting for a response 4 days later)  i tracked the hermes delivery today and the items were left on the fraudsters doorstep with a picture taken from hermes for proof of delivery , im very worried  and dont know what to do , should i contact the police or wait for a response from the investigations team?     Any advice would be greatly appreciated   Thanks
    • I would deal with this the same as I deal with the Parking People.    1. Get stroppy - fight for your money back. 2. Tell the debt collectors - this is harassment - and charge them £196 every time they write to you. 3. Court action for the return of your funds.   Or write off what you've paid and accept the lesson on the chin - but maintain the issue with the debt collectors if they pursue.    These people are utter [Insert Your Own Words Here]   Richard (Nobby)    PS Oh and edit the post to put some space in the post if you can.     
    • Hello and thank you for the detailed answer.   I have checked that website. The MPRN matches with my bill and the gas supplier appears as EON. Then, out of curiosity I checked my neighbour supplier. I know that they have the electricity with EON based on their smart meter, but their gas supplier is British Gas. I do not know how frequent it is to have different suppliers. Either way, It seems like EON is supplying my flat (based on those numbers), but I still have doubts with regards to which one is my meter and whether I am right when thinking that I am using the wrong meter.   Any suggestions  from this point?       Hi! Thanks for the answer. I am afraid I will have to do it. I just want to be certain before going down that road. Additionally, how will they evaluate my consumption if there is no initial reading to estimate from?   Many thanks!!
    • Hi thanks for the reply and good point. Well after I run the HPI check, I read a lot and also came to know TAX is not transferable, so I went to the gov.uk web and paid the tax in full for the whole year. Since then, I tried to exhaust the web for any information related to this car and made a list of past owners (because I am not sure who holds the title with Moneybarn since Moneybarn will only declare a good faith title if I purchased the car from their customer). So in total there are 5 registered keepers/owners of the car  (incl. myself). From the service records I traced the first ever driver/owner, he said he returned the car to Mercedes, so it means he leased it and the car was registered with a lease/finance company. I could not get details from Keeper 2, but it seems he sold the car after 3 months. Keeper/owner-3 also no details but he sold the car after 12/13 months. Keeper/owner-4 is the seller I purchased the car from. Keeper/Owner-5 is myself.   I tried to trace more and more and used google tools as much as I could, and found out that the car was advertised on July 2020 and Aug-2020 by a car dealer in Sussex on Gumtree! And the car was sold by them on the 29 Aug 2020...so most likely it was sold to Keeper/Owner-4, from whom I purchased the car.   So I made a list of past owners and tried to identify who could hold the title with Moneybarn...after weighing in my assumptions and findings, I came to the conclusion that Keeper/Owner-4 may hold the title. And since the car was advertised by a car-dealer, then I assume they should have run an HPI check. Maybe, just maybe, Keeper/Owner-3 may have traded in his car at this dealer and the car dealer took the Mercedes in as p/x exchange.   So today, i will drive down to the car dealer in Sussex, and try to find out more. If Keeper/Owner holds the title, then I have a better chance to get a Good Faith title from Moneybarn. I never thought I would run into this nightmare but I am weighing down my options, if I have to loose the car, I will try to loose it royally and drive around EU before returning it in the most deplorable state I can.   But then again, if Keeper/Owner holds the title, and he does not default his payments to Moneybarn, can they still repossess the car?
  • Our picks

    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies
    • Oven repair. https://www.consumeractiongroup.co.uk/topic/427690-oven-repair/&do=findComment&comment=5073391
      • 49 replies
    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
        • Thanks
      • 3 replies
    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
        • Thanks
        • Like

Need some advice on disputing charges on a payday loan with payday express


Please note that this topic has not had any new posts for the last 3157 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Hello,

 

To cut a long story short i was forced to leave my job on medical grounds last year, at which time i had an o/s loan of £250 with payday express which i had been rollling over for months paying £50 a time. In November i emailed advising of my situation and asked them to consider a repayment plan.

 

I received a message advising they needed proof of illness, benefits, bank statements etc. I sent these but my countless emails got ignored, plus my letter sent by recorded delivery. I just kept getting the same automated message asking for the info again, so was going round in circles. In December they went and swiped £50 out of my bank account, which is a weeks worth of benefit for me - so they left me with nothing to live on despite being fully aware of my situation and state of health. I emailed them to complain and advised that i now consider the £50 to be part payment of the balance of £250 to bring it down to £200 as they were WELL AWARE of my situation but chose to ignore me.

 

I then cancelled my debit card with the bank so they didn't have the opportunity to do this again. I have emailed them twice more, the last email saying i can offer £10 monthly to the balance of £200, this is my final offer and if they do not want to accept then feel free to talke me to court. I am sure any court would see £10 is excessive in my situation. They have finally emailed me today with this:

 

 

 

___________We would like to inform you that we are willing to accept your proposal for a repayment plan arrangement for the amount of £10 per month. This would confirm that you will be making monthly payments of £10 per month to clear your loan of £315.

 

It would be greatly appreciated if you could inform us of the date each month that you would like to make your payments, as well as the payment method in order for us to set this up for you. Once we have confirmed this information we will send you confirmation of your repayment plan. We will stop any further action on your account until 06.03.2012 to allow you the opportunity to reply to this email.______________________________

 

So finally after 2 months they have responded.. but i am not happy with paying the £315.. as by ignoring me they have simply added charges on. the last thing i want is for more charges to be added but would just like to know where i stand on this and whats the best way to go about it. My options are:

 

1. Pay £10 monthly until i have paid £200 then send a letter advising i now consider the debt to be settled and to take me to court if they are unhappy with this where i will provide evidence of having contacted them etc, and expose their unfair practices and high APR'S.

 

2. Advise them now that this is my intention and then risk going roung in circles again and more charges being added.

 

3. Send a recorded delivery letter with a cheque for the first payment, outlining my above proposal and advising if they cash the cheque they are bound by the terms of the letter (is this legally binding??) and then if i get any further harassment after i've paid the £200 i'll be contacting a solicitor.

 

Am i within my rights to dispute the amount? Any advice would be greatly appreciated, i have a long term illness and this is really not doing me any favours chasing after them all the time.:-x

 

Hayley x

Link to post
Share on other sites

Stick to YOUR repayment idea and then you have proof you are able to manage this level of repayment. They are chancing it.

 

You can complain to the OFT and Trading Standards and the FOS - all three are investigating payday loans and have sanctioned some companies already

 

http://www.consumerdirect.gov.uk for the OFT

http://www.tradingstandards.gov.uk for Trading Standards

Link to post
Share on other sites

It is your choice, I cannot advise any further, just letting you know that either option you have is a viable option. Stick to the one you know you can afford and everything should be okay.

Link to post
Share on other sites

Hi Hayley

 

Sorry to hear your problems - you are definately not alone

Whilst for all of approx 25 loans I was not in the 'roll over trap' I know how frustrating this company are, though wow you got an email out of them - all I heard was data protection doesn't allow this form of communication when I tried the email route!

They tried more or less same with me different figures involved though when I wound up needing to ask for a plan after the one and only time they rolled my loan, my own anguish in the end with this company alone nearly took me to another level and I long for the day they get their commupance, if I don't see my overpayment of money back this will be the next best thing - again landed up in this situation because they kind of blinded me with thinking they were accepting a payment amount and a peculiar worded letter (only the plan was more a noose round my neck with a rising balance) and because if I didn't pay I was given the impression I would further be persued - whilst I find this hard to believe now back in the day I must have

 

Can you see if you can get breakdown of what the charges are for?

why there is a difference - please make sure you get this fully explained really make them spell it out

 

No cheques - ask for their bank details to set up standing order or payment transfer

Don't be afraid, pay the original owed amount and they do need reporting

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.”

 

:-)

Link to post
Share on other sites

Thanks for your reply sillygirl1 i will definitely use one of these options then :)

 

asmilecostsnothing - The charges are for 'rolling it over' but they happily ignored my emails/letters from back in december and just kept adding the roll over charge and interest on. They are leeches and happy to ignore you but as soon as you are late paying it's 3/4 calls a day and numerous texts. I think it's because i mentined i a 'leaving the country in april' - only to visit loved ones but they don't know that!!!!!!!!!! Why aren't cheques a good idea? I'll go down the standing order or tranfer route.

Link to post
Share on other sites

A cheque will give them your bank details.

 

You could also use a pre-paid debit card and load it with enough funds to pay them, they would have a job trying to raid your bank account.

Link to post
Share on other sites

Hi

I have a problem with PDE - i have an o/s loan that i cant pay back other than to ask for an installment plan - can i get some advice (by PM if preferred) about how best to approach it and also to get their bank details so I can start making payments on my terms by standing order? I have sorted out 5 other payday loan co's in the past, but PDE seem the most daunting from what i've read :-(

Link to post
Share on other sites

You don't need to have advice by PM, if they are not playing ball take the following action

 

Contact the two websites below and complain complain complain, they are investigating this market and need your complaint, tell them you have asked for the companies complaints procedure and they haven't provided one, tell them you have arranged things with other PDL companys and this lot are being stroppy

 

http://www.consumerdirect.gov.uk for the OFT

http://www.tradingstandards.gov.uk for Trading Standards

Link to post
Share on other sites
You don't need to have advice by PM, if they are not playing ball take the following action

 

Contact the two websites below and complain complain complain, they are investigating this market and need your complaint, tell them you have asked for the companies complaints procedure and they haven't provided one, tell them you have arranged things with other PDL companys and this lot are being stroppy

 

www.consumerdirect.gov.uk for the OFT

www.tradingstandards.gov.uk for Trading Standards

 

Thanks Sillygirl - I dont need to complain to third parties YET - i'm just really interested in who is best to contact, and to get their bank details so I can start making payments to them manually. I've been through this type of thing with others such as CFO, Wonga etc, but before I 'start the ball rolling' with PDE I would like to be fore-armed!

Link to post
Share on other sites

You DO NEED TO COMPLAIN NOW. The information you want will not be got easily therefore the company is going against the OFT Guidelines in Debt Collection and needs to be reported.

 

The more people who sit on the fence and accept the bad conduct of these companies without reporting them the more these companies will take the proverbial.

Link to post
Share on other sites
You DO NEED TO COMPLAIN NOW. The information you want will not be got easily therefore the company is going against the OFT Guidelines in Debt Collection and needs to be reported.

 

The more people who sit on the fence and accept the bad conduct of these companies without reporting them the more these companies will take the proverbial.

 

Sorry - I'm not sitting on any fence. I've made formal complaints before about more than 1 payday lender, but in this case i havent even told PDE that there's a problem with repayment yet, therefore there's no complaint to make yet.I would like, if anyone can give it: a) the most useful contact/email address at PDE, and b) PDE's bank detailsMaybe i didnt make myself clear enough in earlier posts?

Link to post
Share on other sites

Part of your problem is 'anticipating a problem', there aren't the most useful contact emails for PDE, just the ones on their website, they don't provide their bank details as previously said.

 

Just contact them and let them know that you are now in the driving seat and not them and this is what you are offering/expect to happen. Keep it in your own words and keep 'legal stuff' out of it. By keeping 'legal stuff' out of the loop for now you are not giving them any 'get out of jail free' cards.

 

Sorry but a lot of people have been asking quite simple stuff and thinking it is more complex.

Link to post
Share on other sites
Part of your problem is 'anticipating a problem', there aren't the most useful contact emails for PDE, just the ones on their website, they don't provide their bank details as previously said.

 

Just contact them and let them know that you are now in the driving seat and not them and this is what you are offering/expect to happen. Keep it in your own words and keep 'legal stuff' out of it. By keeping 'legal stuff' out of the loop for now you are not giving them any 'get out of jail free' cards.

 

Sorry but a lot of people have been asking quite simple stuff and thinking it is more complex.

 

HiI appreciate what you are saying, but the bank details to me are important - without that I cant make them a payment, as I'm not going to let them have card details. Some of the users here have those details - cant someone give them to me?Finally, should I expect harrassing calls at work? That is a worry for me....

Link to post
Share on other sites

Whilst I hate Payday Express for what they did... another option is to walk with cash into your nearest Money Shop to pay. I didn't want to see anyone else stuggle which is why I've posted up bank details where I could (If Payday Express haven't already clicked the report button I imagine...) their correct if you would like to let the company know you are now in the know :wink:

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.”

 

:-)

Link to post
Share on other sites

Askl them for paying in slips, you can pay the money in cash into their account.

Some useful links.

FAQ's

Making Posts

Letter Template Library

Bank Contact Details

AQ Guide to Completion

Court Fees

Data Protection non Compliance

Witness Statements for Court Bundle

Banking Code Website

Limitations Act

Fast Track Costs

A-Z Index

Mis-Claim Tutorial

Step By Step Instructions

 

Remember: The Ark was built by amateurs-The Titanic by professionals.

 

Please click my scales if you find my advice helpful !

 

If your claim is successful, please donate 5% so that it can continue to help others.

 

Your decisions and actions are your own, and should you be in any doubt, please seek qualified professional legal Help.

 

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

 

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

YOU CAN NOW COMPLAIN TO THE OFT ABOUT THEIR CONDUCT UNDER THE CONSUMER PROTECTION FROM UNFAIR TRADING REGULATIONS 2008.

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...