Payday Loans Again!

[Jon1965]

Hi guys

Looking for more advice and will try to clump all my payday loans into one thread.

I have taken back my DMP from a company. I am on ESA basic (67.50) as well as HB and council tax (all sorted out now)

I have 5 payday loans and I was paying £1 per month to each

I have now written to them all saying that I am back running my plan, sending an I&E and as suggested by NDL asking for a 6 month period of 0 repayments because of my circumstance.

Out of the 5 ,

One is QQ but I have an email from them saying my account is closed so they can go and run

 

One is wanka , have asked them several times in nice multicoloured multifont emails for a statement of account to which I have had no reply . I have also said in those emails that until they provide this I am disputing the claim...so they can go run as well

 

Another is MEM finance, they have refused my offer of 0 and said 15 is the minimum, so I have written back saying "you have accepted £1 from my ex DMC so why are you treating me less favourably (OFT)" and reiterating my 0 offer with an "it would be unfair to pay you and not anyone else

 

Pounds till payday are being collected by Clarity , not had a reply yet

 

WDA have said no, so I have replied reiterating my 0 offer with an "it would be unfair to pay you and not anyone else"

 

Just after any advice

I don't give two hoots about my credit rating it's shot anyway.

I have looked on the WDA and MEM website and both mention late collection charges but no mention of how many times

If they go for a CCJ what would I have to pay?

 

Got 16 other debts as well coming to c.40K

[Jon1965]

This is what has come from Wonga, I know they have missed off payments, only small but still missing and look at the charges. Any advice on what to say to them.....apart from F.O. Statement of Account Name: Jon Loan Reference number: xxxxx Initial Loan Advance 29 August 2008 £100.00 Total Principal Amount £100.00 Payments Received Outsourced funds 25 September 2009 £2.14 Outsourced funds 06 October 2009 £1.07 Outsourced funds 11 November 2009 £1.07 HSBC payment 18 January 2010 £2.14 HSBC payment 12 April 2010 £1.07 Outsourced funds 03 June 2011 £1.07 Debt Management plan 03 September 2010 £1.07 Debt Management plan 07 October 2010 £1.07 Debt Management plan 28 October 2010 £1.07 Debt Management plan 01 December 2010 £1.07 Debt Management plan 05 January 2011 £1.07 Debt Management plan 31 January 2011 £1.07 Debt Management plan 17 May 2011 £1.00 Debt Management plan 14 June 2011 £1.00 Total Sum Paid £16.98 ACCRUED PAID OUTSTANDING Total Principal Amount 29 August 2008 £100.00 Interest 25 September 2008 £27.62 Default fee 26 September 2008 £10.00 Default fee 29 September 2008 £25.00 Agency fee 29 November 2008 £93.15 Interest 29 March 2009 £103.52

Edited March 15, 2012 by Jon1965
removed surname and account number

[quackquack]

:!:hello hang on in there someone with experience will be along soon to answer u on these ones .im not going to comment on them as im unsure ok

[Jon1965]

Thanks hope so

:!:hello hang on in there someone with experience will be along soon to answer u on these ones .im not going to comment on them as im unsure ok

[asmilecostsnothing]

Just after any advice

I don't give two hoots about my credit rating it's shot anyway.

I have looked on the WDA and MEM website and both mention late collection charges but no mention of how many times

If they go for a CCJ what would I have to pay?

 

Got 16 other debts as well coming to c.40K

 

Hi Jon

£1.00 because you've no income really coming in? no offence meant and said only in the greatest of respect ESA/HB is for your survivial not to be upping in paying these

Isn't this what even the free debt charities say?

Don't forget your entitled to do a defence and you've been making payments thereby shown willing

 

Let me know if you'd need contact at MEM buddie I can help with that at least :wink:

behind you on this x

[Jon1965]

Hi Asmile

Well as I said I was paying £1 but on the advice of NDL I have asked for a 6 month payment break while I try to get myself back on my feet.

WDA still communicating

QQ have told to go run cos they said my account is closed

Pounds till payday , still communicating

Wonga, well have sent me two different statement of accounts, both different and both wrong with no contractual charges. Have to decide where to go from here, it's between writing again challenging the charges and payments received (still a non reply from their agents) or ignoring then running a defence when and if they try to take me to court.

MEM , well they seem incapable of reading and understanding an email, so I emailed a complaint and also sent it by hard copy. So waiting

 

Frankly on 67.50 a week i can ill afford £20 a month to even make token payments and why should I pay one and not another....only fair they all get 0 till either I get more benefit or a job. Anyway you know how to contact me

Jon

[asmilecostsnothing]

 

Yeah understood all this already, good idea : ) but have you just copied letter template that NDL give out?

as that could be where the problem lies - hadn't appreciated but for the payday lenders it needs to be in own words..

[Jon1965]

Thanks, yes i have used templates, apart fro Wonga who had a nice multicoulured multi font size email. Must have been a bugger to read:-D