Dosh Loans

[The Divine Mrs Jones]

In a moment of absolute stupidity I got a payday loan from a company called Dosh Loans..bless 'em. Without going in to too much detail about my personal life..suffice it to say that hubby and I went our separate ways a while ago and my access to the internet, emails etc was not available to me. Cutting this story short..I was mortified to discover that I had received an email EVERYDAY for the last 3 months from Dosh Loans...which incidentally had been directed straight to my junk folder...and what was a £200.00 loan is now over £1000.00 Good golly Miss Molly...I can never pay this back..not in a million years..give or take...Any suggestions..apart from hara kiri..

 

The blighters are still sending the email everyday..I would dearly love to collect them all together and email them back..en mass..see how they like it.. Everytime I get the email..they up the anti...clever this..using the internet etc to increase the percentage/interest rate..

 

Does having consistent emails like this constitute harassment? I would be interested to find out.

 

Anyway..if anyone out there has any ideas or suggestions..please respond accordingly..

 

Yours

 

Traumatized

 

The Divine Mrs Jones

[branicles]

Hi there The Divine Mrs Jones. I cannot help you much but from what I do know is that by at least a month ago the loan account should have been passed onto a DCA (Debt Collection Agency) seeing you have not contacted them back. And now they are creating wild and crazy nonexistent charges hoping they will scare you enough to get you to pay in full the excessively higher amount before they pass it onto the DCA.

 

I hope this little amount of info will calm you for the time being while a kind knowledgable person will be able to help you further. Don't worry or panic.

[The Divine Mrs Jones]

Hello there...thank you for replying so quickly..It is odd that they have not forwarded the debt on to a collection agency. I suspect that you are right and that they are hoping upon hope that I cough up the full amount through fear. Humm!..Not a good way to conduct business me thinks..

 

Again..thank you..you have given me food for thought

 

Regards

 

TDMJ

[The Divine Mrs Jones]

Good day fellow sufferers..I checked my junk emails this morning..and low and behold..the blighters have done it again..Yet another email upping the anti and adding to an already spiraling personal debt crisis..I think I am on a par with Greece. Joviality aside..and I ain't laughing too much..any suggestions..apart from a hitman..as to how I approach this lot. ALL contributions will be gratefully received..

 

Regards

 

TDMJ

[Jon1965]

Hi

Well i want to call you The Divine Miss M but Mrs Jones will have to do.

Other people will have other ideas so don't take my thoughts as gospel . I would just leave it at the moment, and pretend you havent received an email. They are very unlikely to take further action because they couldn't justify the charges. Only thing I would say, is are you still at your old address so could they have written to you?

The last thing you would want is them to have sent you correspondance that you didn't get and win a ccj by default.

Finally if you have any cash you could always write to them explaining the circumstances and offering a full and final settlement of say 200 or 250. But make sure they accept in writing and don't pay by card.

Hope that helps

[The Divine Mrs Jones]

Hello all,

 

This tale of woe does not get any better..suffice it to say that I came to an agreement for repayments with said Dosh Loans..which they accepted..and lo and behold..within 24 hrs there were CCJ documents in my letter box. I got in touch with them via email and they promised that they would cancel the CCJ..A month later I got more paperwork from the court saying that I was in default and had to repay ALL of the sum owed...I was bouncing..I got back in touch with a chap called Alex Grey and he said that I had to stop the proceedings and not them...which is contrary to what I was told in the beginning..which was, because they had brought the action they were the only ones who could stop it.

 

I now have a CCJ against my name AFTER they said that they wouldn't do it..Is there anything that I can do to unravel this mess, and get the CCJ withdrawn????????

 

Thank you for your time regarding this matter

 

TDMJ

[renegadeimp]

Sounds like andrew hart could be behind this.

 

You fell directly into their trap and believed that they would cancel the CCJ. They didnt and now you owe them everything.

 

 

Do you have any proof that they said they would cancel the CCJ? Only the claimant can stop the court process from continuing.

[katysue]

This has got Andrew Hart written all over it.

[stevo7790]

Yeh, as soon as I saw Dosh Loans I thought of little Andrew Hart operating from his Bedroom... OP you need to get this CCJ set aside firstly.

[renegadeimp]

You would need a good reason to have it set aside with full proof.

[The Divine Mrs Jones]

Hello there all...thank you so much for responding to my plea..you are all very kind. I have located the email that was sent to me from a man (or lady) called Alex Grey. It says this..and I am copying and pasting for you viewing pleasure....Bear in mind that I had said that I would make payment arrangements if they dropped the proceedings..

 

Quote....

 

"Yes we will drop proceeding if you keep payments punctual and full.

 

 

If you fail to make payment regardless of the excuse we will have to take legal proceedings.

 

 

Kind Regards

Alex

Customer Relations"

 

Unquote....

 

About a month after this was set up I received the second lot of paperwork from the Norhthampton CCJ people saying that I had defaulted..it's my own fault for not checking with them..but I assumed incorrectly that they would honour their side of the bargain..how wrong I was..

 

Anyway, as I said..a month or so later I got the paperwork from the courts saying I had defaulted and I immediately contacted Alex Grey about it and this is the response that I got from them..

 

Quote..

 

"To help me help you as quickly as possible.

 

 

Please can you send me the case number and the court you are being processed by.

 

 

I have these details somewhere but I am very busy and If you do this for me I can stop the court process almost instantly.

 

 

I want to find out why it has not been stopped previously.

 

 

 

 

Kind Regards

Alex

Customer Relations"

 

Unquote..

 

 

So I sent the case number etc and waited for the reply..and this is what I got..

 

Quote..

 

"

I have spoken to my legal department and I have discovered that the legal action was not stopped.

 

 

You can dispute it if you wish but what I propose is that we just set up the original arrangement now and move forward. Once your balance is cleared I can then give you a receipt of payment.

 

 

If you choose to dispute it after the legal proceedings if we are giving the chance we will most probably enforce through the courts.

 

 

Have a think of what you want to do and we can discuss further.

 

 

Kind Regards

 

Alex

Customer Relations"

 

Unquote...

 

Apparently they have a LEGAL DEPARTMENT..would that be the top drawer of a filing cabinet..LOL..joking aside though..I am not a happy bunny on many levels..

 

I was then sent this email after complaining that what they had done was not fair..

 

Quote..

 

"

Unfortunately I have now been informed that we have been granted judgment.

 

 

We are unable to stop this now because it has already happened.

 

 

What I can tell you is that we will not take any further action if you keep your payments consistent. I will give you a substantial discount and also once you have clear your balance give I will give you a certificate of payment.

 

 

Kind Regards

 

 

 

Alex

Customer Relations"

 

Unquote..

 

Apologies about the font sizes and bold text in this posting..still learning to fly this thing...

 

Thank you all again..

 

TDMJ

 

 

 

[katysue]

My recommendation would be to apply to get the Judgment set aside. Other people will be able to advise you on the best way to do this. You do not want Hart to have a judgement against you. The chances of actually seeing a "substantial discount" are slim to none.

[renegadeimp]

That letter you got from that guy is a complete load of crap.. Plain and simple.

 

 

I will give you a substantial discount and also once you have clear your balance give I will give you a certificate of payment.

 

Why the hell havent these muppets been banned from running a company yet

 

I'll flag your thread for admin attention.

[katysue]

I put in a complaint to FO but have yet to hear back...

[citizenB]

I would think your best option is to have this judgment set aside. THEN set up a proper repayment plan.

 

The CCJ will stay with you for 6 years otherwise.

[The Divine Mrs Jones]

Hello there,

It seems that my life is spiraling ever downwards. My hubby..we are separated..wants to sell the house and take his share of the equity. That in itself is fair enough, but thanks to the Dosh Loans people I cannot get a mortgage to buy another property. Even if I have the CCJ set aside, it will still remain on my credit file for 6 yrs. Any prospective creditor will see this and run a mile. I have tried, believe me. I even went to Santander (we have been with them for 20 yrs and never missed a mortgage payment) to try and remortgage the house we are in..the family home..and buy hubby out. I can't get enough money with them to even do that.

I have looked into renting and even landlords do credit searches..I am scuppered. And when I mentioned this to Alex Grey at Dosh Loans he had the nerve to say that I should put the past behind me and move on with my life.

Dosh Loans have put, what feels like, the final nail in my coffin. I have never been so low in my entire life.

Everyone on this forum has been so kind in the past with lots of support and ideas about my predicament and I wanted to take this opportunity to thank you.

Regards

TDMJ

Edited August 2, 2012 by citizenB

[citizenB]

Have you made any attempt to have this judgment set aside ?

[The Divine Mrs Jones]

Hello there,

 

Yes, it is in hand. Having the CCJ set aside is not going to be an easy task. I have been told that the judge may not grant it. It has cost me £80 in fees and I have included all the emails that were sent by myself and Dosh Loans in with it. I have also said that the loan was initially for £250 in December 2011 and by May it had reached £2500. I am hoping that the judge will read that and go in my favour..so fingers crossed..

 

Regards

 

TDMJ

[Jamie Kingston]

if it does get set aside please let us know, will be good advice for future! Good luck.

[The Divine Mrs Jones]

Hello there,

 

Yes I will keep you posted as to the outcome of the process..

 

Regards

 

TDMJ