My Turn with PDE

[FrugalJo]

Got the bog standard reply with PDE,

 

Our accepted criteria for a repayment plan are as follows: BLAH BLAH.....

 

Will reply with OFT guidance that 'when a person contacts the lender and says they are in financial difficulty, then the lender must take that under advisement and come to a mutually agreed repayment plan. '

[FrugalJo]

Really not getting anywhere same reply re accepted criteria 6 times...

[renegadeimp]

keep trying. Sometimes it takes a good while. Remember, each attempt shows them and a court your wllingness to repay. If they dont accept it, then thats not your problem. If they try to pile up charges, simply form a simple defense in court saying you have tried every possible way to come to an agreement and they flat out refuse, preferring to pile on charges.

 

 

As a side note, the OFT seem to have caught onto this lately, as several PDL's have been doing just that.

[FrugalJo]

Thinking its because i don't default until Friday...

[Guest Poguesy]

Don't expect these lot to give you a repayment plan with no extra interest/charges straight away.

 

If they continue to fob you off then get a complaint sent to [email protected]

 

Be firm and they will give in eventually.

[toptrapper]

Remember everything in writing. There's also no harm in copying in "[email protected]", which appears to be the Nottingham office, The more evidence you can provide to FOS/OFT/Trading Standards of your attempts to resolve the matter in a satisfactorily and reasonable manner, the stronger your case will be should Payday Express not play fair. Good luck, keep us informed how you get on.

[cheesed_off]

Hey

 

New poster - I sent a complaint off to them via email and within 4 days got an arrangement on the account. I quoted the OFT guidance on debt collection and OFCOMS rules on appropiate forms of contact. I never had the arrangement confirmed in writing however everything seems to have stopped and no further charges have been applied. Still put in a complaint though through to FOS & OFT. I think if you shout (in writing) they have to do something about it as its reportable. Its not like a call recording they can delete ;-)

 

Richard

[toptrapper]

Hats off to "cheesed_off",

 

Ensuring a complete written record is kept as not unreasonable? Keep going!!!

 

Calls being lost/misplaced.or potentially misfiled, surely not!! In my experience i've encountered that "the call you refer to cannot be located", or "unless you have a verified copy of our agents voice we cannot assume the call was logged". Best to play safe, all in writing.

[troughmonster]

Good news on the arrangement. Any chance of a summary of OFCOMS rules on contact?

 

Thanks

Hey

 

New poster - I sent a complaint off to them via email and within 4 days got an arrangement on the account. I quoted the OFT guidance on debt collection and OFCOMS rules on appropiate forms of contact. I never had the arrangement confirmed in writing however everything seems to have stopped and no further charges have been applied. Still put in a complaint though through to FOS & OFT. I think if you shout (in writing) they have to do something about it as its reportable. Its not like a call recording they can delete ;-)

 

Richard

[FrugalJo]

Oh email from d r @paydayexpress. Wanting confirmation of address and DOB, in order to assist.

Progress ?

[toptrapper]

Good news on the arrangement. Any chance of a summary of OFCOMS rules on contact?

 

Thanks

 

"Dear Sirs,

 

Account No: XXXXXXXX

 

I am writing in relation to the quantity and frequency of telephone calls that I have received from your company, which I deem to be personally harassing. I have verbally requested that these stop, but I am still receiving calls and I now require all further correspondence from your company to be made in writing only. I am of the view that your continued harassment of me by telephone puts you in breach of Section 40 of the Administration of Justice Act 1970, and the Protection from Harassment Act 1997.

 

If you continue to harass me by telephone, you will also be in breach of the Communications Act (2003) s.127 and I will report you to OFCOM, Trading Standards and The Office of Fair Trading, meaning that you will be liable to a substantial fine. Be advised that any further telephone calls from your company may be recorded and used in evidence and I expect this harassment to cease immediately.

 

Yours faithfully"

 

You can also put in something along the lines of having all correspondence in writing will assist with you any further action you may take against the company with FOS and OFT. Good luck.

[renegadeimp]

Oh email from d r @paydayexpress. Wanting confirmation of address and DOB, in order to assist.

Progress ?

 

They only need the name and account number. Nothing else.

[troughmonster]

Thanks. Did it work?

"Dear Sirs,

 

Account No: XXXXXXXX

 

I am writing in relation to the quantity and frequency of telephone calls that I have received from your company, which I deem to be personally harassing. I have verbally requested that these stop, but I am still receiving calls and I now require all further correspondence from your company to be made in writing only. I am of the view that your continued harassment of me by telephone puts you in breach of Section 40 of the Administration of Justice Act 1970, and the Protection from Harassment Act 1997.

 

If you continue to harass me by telephone, you will also be in breach of the Communications Act (2003) s.127 and I will report you to OFCOM, Trading Standards and The Office of Fair Trading, meaning that you will be liable to a substantial fine. Be advised that any further telephone calls from your company may be recorded and used in evidence and I expect this harassment to cease immediately.

 

Yours faithfully"

 

You can also put in something along the lines of having all correspondence in writing will assist with you any further action you may take against the company with FOS and OFT. Good luck.

[toptrapper]

Not initially!!! Only on complaining to FOS did they stop. The one saving grace was that all their attempts after sending the e-mail asking them to stop was used as evidence for FOS and OFT. On of the reasons FOS upheld my complaint against Payday Express/Castlebridge was their refusal to stop calls.

[troughmonster]

Blimey! How often did they call? Was it at work or on mobile/home phone?

p>

Not initially!!! Only on complaining to FOS did they stop. The one saving grace was that all their attempts after sending the e-mail asking them to stop was used as evidence for FOS and OFT. On of the reasons FOS upheld my complaint against Payday Express/Castlebridge was their refusal to stop calls.

 

[toptrapper]

Mobile predominantly, they did phone twice at work, however my manager gave them short shrift. My boss kindly wrote a letter supporting my complaint to FOS which did help.

[FrugalJo]

Today they email asking why they couldn't take £120 from my account. Having not received any information to contrary.

 

These guys really don't listen do they ?

[toptrapper]

Lodge a formal complaint with the Company Secretary, give them the opportunity to sort the matter out reasonably (although don't be surprised when/if they don't). Making it formal will start the clock ticking so you can escalate to FOS. You can complain also to OFT/Trading standards immediately.

[FrugalJo]

3 calls to my mobile whilst at work, answered the fourth one. The rep was actually quite an easy going bloke. I explained i'd emailed 6 times with no co-operation from themselves, and wasn't going to enter into any conversation about repayment on the phone. He said he had a copy of the email which was why he'd phoned. I simply said please reply and we can only discuss repayment in writing.

End of.

[renegadeimp]

Thats a stupid excuse. He has your email in front of him saying NOT to call, so he still does to talk about the email? They must be employing jeremy Kyle viewers now.

[FrugalJo]

Just received 'we have been trying to contact you email and txt re balance of £900 unpaid' (was £750 this morning).

 

Replied again with a request for a co-operative stance to set up a repayment plan.

[renegadeimp]

Gotta love how they make up and randomize the amounts.

[FrugalJo]

This is like walking through treacle.

Response to last email?

 

Please call us....

[renegadeimp]

Frustrating but fun!.

 

Keep at it. if you want, you can issue a formal complaint with them, and wait for a final response in 8 weeks. If they dont give you one, or they give you one thats unsatisfactory, get it to the FOS who will then investigate them. This usually forces the PDL to do a complete 180 and come crawling to you.

[willnotdoitagain]

Hi

 

I complained to Payday Express by email to [email protected], I had a letter on Monday to say they had recieved my complaint and that they were dealing with it. Recieved another letter on Friday to say they had accepted my payment plan and that my balance was £???? that was the amount I borrowed plus 1 months interest.

 

Another one sorted 2 more to go Mini credit and Poundstilpayday