Jump to content
  • Tweets

  • Posts

    • Thanks Dx. Amended defence set out below. Does it look right now?   1. By agreement between the defendant and Halifax on or around the 3/3/2015 (the agreement) Halifax agreed to loan the defendant monies.     2.The defendant did not pay instalments as they fell due.     3.The agreement was terminated following a service of a default notice.     4.The agreement was assigned to the claimant.     5.The claimant therefore claims 1. 4.5k 2. Costs    Defence   1. The Defendant contends that the particulars of claim are vague and generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made.     2. The Claimant has not complied with paragraph 3 of the PAPDC (Pre Action Protocol) Failed to serve a letter of claim pre claim pursuant to PAPDC changes of the 1st October 2017. It is respectfully requested that the court take this into consideration pursuant to 7.1 PAPDC.     3. Paragraph 1 is denied. It is accepted that I have had financial dealings with Halifax in the past. However I do not recall entering into any financial agreement with Halifax on or around 03/03/2015 and have sought verification from the claimant who has not complied with my request for further information.     4. Paragraph 2 is denied. I am not aware of any payment terms for the stated agreement.     5. Paragraph 3 is denied. It is denied that Cabot Financial served any Default notice on the Defendant pursuant to s87 Consumer Credit Act 1974. The Claimant is required to prove that a compliant Default Notice was served upon the Defendant. The Claimant is required to prove that the any Default notice relied upon complied with the requirements of s88(4A) Consumer Credit Act 1974 and that the notice was in the prescribed form as required by The Consumer Credit Enforcement Default and Termination Notice Regulations 1983.   6. Paragraph 4 is denied as I am unaware of any legal assignment or Notice of Assignment allegedly served by either the claimant or the original creditor.     7. It is therefore denied with regards to the Defendant owing any monies to the Claimant; the Claimant has failed to provide any evidence of credit agreement / assignment / balance / breach requested by CPR 31.14, and remains in default of my section 77 request, therefore the Claimant is put to strict proof to:   a. Show how the Defendant has entered into an agreement; and   b. Show how the Defendant has reached the amount claimed for; and   c. Show how the Claimant has the legal right, either under statute or equity to issue a claim     8. On receipt of this claim I requested by way of Royal Mail on 13/10/20 a CPR 31.14 request from the claimant’s solicitors and a section 77 requests to the Claimant, for copies of the documents referred to within the Claimant’s particulars to establish what the claim is for. To date the Claimant has failed to comply with my section 77 request and their solicitors, Mortimer Clarke, have refused my CPR 31.14 request.     9. As per Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed.     10. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82 A of the Consumer Credit Act 1974     11. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.  
    • I'm generally convinced that there is at least 2 users on MSE that's in my thread that has friends or family or even themselves that have similar line of work to MB or Gladstone.   I don't mind different opinions but they're just throwing out playground insults to me for using that letter saying I'm stupid, prat, idiot etc etc for doing it and not including in the letter without prejudice so it can't be used against me in court. I think I'll leave MSE and just stick with CAG and pep in this case.    
    • not sure what happened to the statint sheet...looks like you over wrote cells.   so they have already litigated over this debt ?
    • Fraudsters are using the details of firms we authorise to try to convince people that they work for a genuine, authorised firm. Find out more about this ‘clone firm’. View the full article
    • Any time limits AZ might spout are simply arbitrary, the ONLY thing you need to be doing is informing them ''in writing'' of your new address.   Also ensure your CRF is updated and showing your correct address also.   When you send AZ the letter which needs only to be one line......   Sir/madam.   My current address is No.1 Mickey mouse street blah blah blah, please update your records accordingly.   Regards   And obtain ''proof of posting'' which is free from the po counter, send it 2nd class post.
  • 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

PayDay Loan HELL featuring WONGA, Quick Quid,Tooth Fairy & PayDay UK


Please note that this topic has not had any new posts for the last 3020 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

Hi All,

 

I've gotten myself into a right mess with WONGA, Quick Quid,Tooth Fairy & PayDay UK. I started with one and then it spiralled out of control and now I'm in a position where I'm struggling to make ends meet and I''m literally borrowing to pay for rent and utilities. In total I owe just over £2,000. :oops::-(

 

 

I've decided that I've had enough of all of this so I came on here looking for advice & thanks to all of you I put together the following letter to all of the above companies as my repayment date is next week:

 

WONGA:

 

Dear Sir/Madam,

 

I am writing in reference to the loan I took out from you. Unfortunately after accessing your website I am unable to find neither a customer reference number or a loan reference number.

 

Since entering into the agreement my financial circumstances have changed and I now find myself in a position where I am unable to meet the full repayment on the deadline.

 

I am proposing a repayment plan of £100.00 per calendar month, beginning on 15/05/2012 and continuing on the 15th of each month for a period of 7 months, with the final payment being on 15/11/2012 the remaining balance.

 

Please advise of the total amount of this loan being the initial amount borrowed and one months interest, to enable me to calculate the final payment.

 

I also request that you provide details of the bank account which I can make my payments into. I cannot make repayments by any other method.

 

As in line with published guidelines by many regulatory authorities, you are only to contact me regarding this matter via email to this address. I will be able to reply to any emails very rapidly and prefer this as a means of communication. I also revoke any authority, implied or otherwise for you to send a 'doorstep collector' to my residence.

 

May I remind you that any breaches of the OFT Guidelines on debt collecting will be met with an immediate report to that organisation.

 

I regret that I cannot make the full repayment of this loan but am doing my best to resolve the issue as quickly as possible.

 

I await your reply,

 

loveliness

 

 

I got the following response from them:

 

 

Dear loveliness,

 

 

The reference number for your current loan, which is XXXXXXX.

 

Thanks for contacting us to ask about setting up a repayment plan.

 

We appreciate you alerting us a potential problem and understand that unexpected things happen in life, but we are unable to agree a repayment plan and treat your account as if it's in arrears before your agreed repayment date. The reason is that we want to give you every opportunity to stick to the terms of the original agreement without forcing you into an arrears situation.

 

If you can pay some of the outstanding balance you may be eligible to extend your loan for up to 30 days. You can do this within a week of the current repayment date, but not on the day that repayment is actually due.

 

As a responsible lender, we do require a part-payment of the balance. This means that the outstanding balance is decreased and that you only pay interest on the remaining balance. There is a £10 fee.

 

If this may suit your needs then you can apply for a new repayment date by logging in here - - and choosing the 'Extend my loan' option. It's all online and you can also add and select alternative payment cards if need be.

 

If you can't make any payment however or you don't want to extend your loan for some reason, then please make sure you call our friendly team on the morning of your due date and discuss the situation with an advisor. At that point we may be able to agree to a repayment plan, after discussing the options.

 

We do want to help you get things sorted so please contact us on 0844 842 9109, between 9am and 10pm, Monday to Friday. If your due date falls over a weekend or bank holiday, please call us the day before.

 

Thanks for keeping us posted and getting in touch.

 

Kind regards,

 

Collections Department

0844 842 9109

 

 

I heard that WONGA don't allow you to set up a payment plan without you defaulting on the promise date which allows them to charge you so after some digging around on here I sent them this email :

 

Dear Sir/Madam,

 

I have expressly stated in my previous email that I am experiencing financial difficulties which means that I am unable to make the full payment in our original agreement on the 15/05/12.

 

This is the reason why I have presented you with a repayment plan. I also request that you provide details of the bank account which I can make my payments into. I cannot make repayments by any other method.

 

I hearby revoke your authority to collect any transactions from my bank account under Regulation 55 of The Payment Services Regulations 2009. Any transactions taken from my account will be deemed as unauthorised and will result in a complaint being made regarding your organisation with the OFT.

 

As previously requested I am proposing a repayment plan of £100.00 per calendar month, beginning on 15/05/2012 and continuing on the 15th of each month for a period of 13 months, with the final payment being on 15/06/2013 the remaining balance.

 

Please advise of the total breakdown amount of this loan being the initial amount borrowed and one months interest, to enable me to calculate the final payment. Could you also confirm that all other interest is frozen on the account to enable me to be able to clear the balance?

 

As stated in my previous email - in line with published guidelines by many regulatory authorities, you are only to contact me regarding this matter via email to this address. I will be able to reply to any emails very rapidly and prefer this as a means of communication. I also revoke any authority, implied or otherwise for you to send a 'doorstep collector' to my residence.

 

I await your reply

 

lovliness

 

After sending this I got the following response:

 

Dear loveliness

 

Our aim is always to help you settle your loan as quickly as possible. Acknowledging difficulty in repaying is actually half the battle, so we really appreciate you getting in touch and discussing a repayment plan.

 

Whilst we appreciate your current difficulties, in order to help, we need to get a much better understanding of your current financial situation. To do this we need you to fill in the attached income and expenditure form and return it to us as soon as it is complete.

 

Please note: Incomplete income and expenditure forms will be returned to you for further information, and interest, charges and attempts at payment will not be suspended during this time.

 

The reference number for your current loan, which is XXXXXX

 

As soon as we acknowledge receipt of your complete income and expenditure form, we will suspend interest and charges and all attempts at payment. When we have assessed your income and expenditure form we will reply to you, via email, with our decision.

 

 

Collections Team

PO Box 66147

London

NW1W 8PF

 

Our office is open Monday to Friday 9am to 6pm so please don’t hesitate to get in touch.

 

Kind Regards,

 

Collections Team

Wonga.com

 

I filled in their spreadsheet with my income & outgoings and I'm waiting to see what they say. I got a similar response from PDUK saying funds will still be taken so I sent the above email to them also & I am yet to hear from QQ or Tooth Fairy so wont hold my breath.

 

I know I only have myself to blame so I have opened a new cash card account with another bank today & requested for my salary to be paid into the new account so that the PDL companies can't raid my account. Will be calling my bank HSBC tomorrow to see what can be done.

 

What a mess. any advice is welcome will keep you posted.

Link to post
Share on other sites

Please dont tell me you gave them any specific information in the I&E sheets. They are NOT entitled to that info at all. It is covered under the Data Protection Act. The ONLY info they are allowed to know is the total income per month, total outgoings for high priority stuff, such as rent, electric, food, council tax etc, and then their share of what is left. Thats it.

 

By sending them a ton of specific info, they will try and dictate what you can and cant afford as well as pass your info around to other PDL's ( blatant breach of OFT rules and the DPA) incase they want to contact you. This can be seen in their comment:

"When we have assessed your income and expenditure form we will reply to you, via email, with our decision."

 

In regards to them saying they will still take funds, report your debit card as lost or stolen, and tell your bank to cancel the Continuous Payment Authority for that Payday lender. Then write to the PDL and tell them that if they take ANY money from your account, the police will be involved for theft.

 

 

Are you employed or unemployed? If the latter, then only offer them £1 a month. No negotiations.

  • Confused 1

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

I'm currently employed. The spreadsheet they sent just asked for total income per month etc and thats all I filled in I wasn't specific about anything so will let you know what they say when they reply. I offered £100 a month will be trying to pay more just to get rid of them the sooner I'm debt free the better!!!!

 

Still haven't heard from Toothfairy/Paycheck credit whatever their name is- not looking forward to dealing with their nonsense and charges- wish I would have read all this info about them beforehand- also does anyone have an email for them? The one on the toothfairy website bounced back- the paycheck credit one went through- what's with these different company names????

 

One thing is for sure I wont be speaking to any of them on the phone- only thing I'm worried about is them calling my workplace :-(

Link to post
Share on other sites

Send them the telephone harassment letter and add the clause that if they attempt to contact your employer, then you will reporting them to OFCOM and also will be considering court action for harassment, stress, embarassment and intimidation.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

Hi does anyone have a contact email address for these cowboys???

 

Every email ive sent has bounced so far and I really don't want to call them as I dont want them to try and bully me into an agreement over the phone.

 

Any help would be much appreciated.

 

Thanks!

Link to post
Share on other sites

there is certainly a subforum for tf here

 

and with details too

 

read a few threads first though before you negotiate with them

 

dx

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

Link to post
Share on other sites

SO today has been very interesting. Theres the bad, the good and the confusing.

 

THE BAD: :evil:

 

TOOTHFAIRY:-x

 

All of the emails that I sent to info @ toothfairyfinance and info @ paycheckcredit have bounced back so I called them this morning- not to worry I didn't discuss my account I just requested a contact email address and the guy I spoke to said that they dont have one? He also kept trying to get me to discuss my query on the phone so I just put the phone down. Apparently the easiest way to resolve anything is by phone (fat chance) or via their contact us section on the website. It's like they want to force people to speak to them!! So I sent them the same email as above and got the following response:

 

Dear Loveliness

Thank you for your message. It is always advisable to stay in contact with your creditors to avoid additional penalty charges

Loans are meant to be repaid in full. This is made very clear in the terms and conditions you agreed to with your ‘double digital’ signature.

We cannot accept a payment plan.

You have 2 options in regards to the repayment of your loan. You can either pay:

By the 14.05.12, you have 2 options:

1) you can pay £549 to close your file,

OR

2) you can pay £72 to extend for an additional 2 weeks.

The quickest way to pay is directly via out website.

Our bank account details are as follows:

Account number – 93462382

Sort code – 20-50-94

 

Ref: either your mobile number or loan ID number

Please note if you decide to transfer money into our bank account, you need to allow 5 business day for the money to clear and for it to be logged onto your file.

Failure to make any of the above payments to your file will result in your file being passed to a third party debt collection company incurring additional charges and seriously damaging your ability to get any type if credit from anywhere in the future.

Thanks

Collections Team

Toothfairy Finance(147)

t: 08000 882 222

After receiving that I reiterated the same email above again through their contact us page and I am yet to receive a response- they are a tough cookie to crack- Any ideas on what to do next? My proposal was to pay £200 a month. It would also help if they had a flaming email address!!!:-x

 

THE GOOD::-)

 

Reported my debit card as lost today & spoke to HSBC who said that provided that I have proof such as emails (which I have) telling the PDL companies that I have revoked their authority to take payments from my account they will take action if any payments are taken!!!:whoo:

 

WONGA:razz:

 

Wonga responded to me with the following email today:

 

Dear Loveliness

Our aim is always to help you settle your loan as quickly as possible and acknowledging difficulty in repaying is actually half the battle, so we really appreciate you getting in touch and discussing a repayment plan.

Whilst we cannot enter into a new agreement, I am happy to confirm we will accept your payments against the original agreement according to the plan below. Also, as a matter of our entire discretion we will freeze interest as long as the plan is maintained, because we are keen to help you settle the balance.

Promise Date Repayment Amount

25 May 2012 £96.37

25 Jun 2012 £96.35

25 Jul 2012 £96.35

25 Aug 2012 £96.35

25 Sep 2012 £96.35

25 Oct 2012 £96.35

25 Nov 2012 £96.35

25 Dec 2012 £96.35

25 Jan 2013 £96.35

25 Feb 2013 £96.35

25 Mar 2013 £96.35

25 Apr 2013 £96.35

25 May 2013 £96.35

25 Jun 2013 £96.35

 

Please Login to the MyAccount section of the site to review and verify your plan. Don't worry if you have forgotten your password as you can request a new one at the login page.

Once logged in and having verified the arrangement, you can keep track of your payments at any time. You can also add a debit card, or choose your primary card, from where we'll take payments unless agreed otherwise.

If you miss a payment which has become due under the plan, the full remaining balance under that plan will become due and payable to us and will be automatically collected from your debit card. We may also make further attempts to collect the money from your debit card, or any other card you have chosen, either in one payment or in several amounts on a continuing basis until the amount you owe us is repaid.

We therefore encourage you to stick to the plan if at all possible but, if you become aware of a problem or want to discuss the arrangement, please call our friendly team on 0844 842 9109.

We look forward to receiving your first payment.

Customer Services

 

I responded to them requesting details for a bank account that I can make payments into and I'm waiting to hear back from them. So far result without having to default & pay any extra charges! 1 down 3 to go: Thanks to you CAGGERS!!!

 

PDUK:-)

 

So I got the following email from PDUK today:

 

Dear Loveliness,

 

Many thanks for your email.

 

I can accept your offer of £100.00 a month for a three month period, subject to a review at this point.

 

I have set your arrangement for seven days after your payday. This is for administration purposes and to allow time for cash payments to be allocated your account.

 

For all cash payments - please use the account details below, deposits can be made in any branch of Royal Bank of Scotland or NatWest:

 

Account Name: Month End Money Ltd.

Account Number: 39524906

Sort Code: 60-00-01

Reference: 9117270

 

Your repayment amount is £700.00.

 

Please reference your Loan Agreement number 9117270 so that we can allocate the funds to your account. Once you have made the payment please email to advise so I can ensure payments are being allocated to your account.

 

Until a payment has been received your account is not on hold and payment can be tried at any time.

 

Did you know that as we work with a Credit Reference Agency, we share your account information on a monthly basis, so when you repay your loan on time, this could also help to improve your credit rating. However if you do not repay on time this could have a negative impact on your credit rating.

 

Regards,

 

Stacey

 

Collections

 

PaydayUK ,

PO Box 255,

Bicester,

Oxfordshire,

OX26 4ZY

 

Looks good so far but hmmm subject to review after 3 months? I told them thats all I can afford for 7months so what is there to review???

 

so then I get the following email afterwards from them:

 

Dear Loveliness,

 

Ref: Outstanding Loan ID XXXXXXX

 

Thank you for your commitment to repay the above mentioned loan. Please find below the details of the arrangement that has been scheduled.

 

Date Due Amount Status

 

22/06/2012 £100.00 Outstanding

20/07/2012 £100.00 Outstanding

22/08/2012 £100.00 Outstanding

21/09/2012 £400.00 Outstanding

 

 

You should be aware that failure to maintain payments as per the above schedule will result in us seeking full and final payment of the outstanding balance.

 

Please ensure that you keep us informed of any change in your financial circumstances.

 

Our collections agents are available 8:00am – 8.30pm Monday to Friday and 9am – 1pm Saturday on our freephone number 0800 280 2666 (Call charges may apply depending on your telephone provider).

 

Please ensure payments against this arrangement are made in time to avoid the need to add charges for late payment.

 

Kind Regards,

 

Collections Department

PaydayUK

 

Good thing is they are giving me until next month to start repaying bad news is how dare they ask for £400 in a month??? Any ideas- do I just reiterate that I can only afford £100 a month??

 

THE CONFUSING:

 

QUICK QUID::???:

 

Now I am really confused I sent them the following email (same as before but with more of a punch- thanks CAGGERS!) and it must have scared the person reading it!

Dear Sir/Madam,

 

 

I am writing in reference to the loan I took out from you. Since entering into the agreement my financial circumstances have changed and I now find myself in a position where I am unable to meet the full repayment or extension payment on the deadline .

 

I am proposing a repayment plan of £100.00 per calendar month, beginning on 20/05/2012 and continuing on the 20th of each month for a period of 12 months, with the final payment being on 20/05/2012 the remaining balance.

 

Please advise of the total amount of this loan being the initial amount borrowed and one months interest, to enable me to calculate the final payment.

 

I also request that you provide details of the bank account which I can make my payments into. I cannot make repayments by any other method.

 

As in line with published guidelines by many regulatory authorities, you are only to contact me regarding this matter via email to this address as I will be able to reply to any emails very rapidly and prefer this as a means of communication. I also revoke any authority, implied or otherwise for you to send a 'doorstep collector' to my residence.

 

I hearby, revoke your authority to collect any transactions from my bank account under Regulation 55 of The Payment Services Regulations 2009. Any transactions taken from my account will be deemed as unauthorised and will result in a complaint being made regarding your organisation to the OFT and will also be reported to the police as theft.

 

Please note that any attempt to contact my employer or myself by telephone will be in breach of the Communications Act (2003) s.127 and I will report you to OFCOM, Trading Standards and the OFT, meaning that you will be liable to a substantial fine. I will also be considering court action for harassment if this is not adhered to.

 

May I also remind you that any breaches of the OFT Guidelines on debt collecting will be met with an immediate report to that organisation.

 

I regret that I cannot make the full repayment of this loan but am doing my best to resolve the issue as quickly as possible.

 

I await your reply,

 

Lovliness

 

So I receive the following response and I'm confused:

 

Dear Loveliness,

Customer # XXXXX

 

*Thank you for contacting QuickQuid. Please be advised we cannot cancell, change or alter your contractual obligation/ payment plan , nor can we offer or accept payment plans on current loans. We removed your debit card details from our system, however per UK law were are unable to delete your banking details. Please contact when your payments have returned to requested a payment plan.

 

If you have any queries, our Collections Department is here to help.

 

QuickQuid Collections Department

 

What does that mean?? So they have removed my debit card details but I am unable to enter into a payment plan??? Let me know if you can make sense of this because I'm confused.

 

HELP!!! :|

Edited by loveliness86
Link to post
Share on other sites

Am not sure, am having the same problem with Quickquid, they have told me they want £200 per month and my bank account details or my new card details, but have sent them several emails saying i can only afford £50 and i dont currently have a bank card and need there bank details but they dont accept standing orders,they will only accept card payments, direct debit.

Link to post
Share on other sites

Wait... Per uk law? What? under the data protection act and european privacy laws they must remove your specific details upon written consent

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

I have received the following from quick quid:

 

Dear Loveliness,

Customer # XXXXXX

 

*Thank you for contacting QuickQuid. Please be advised agreed upon payment arrangements cannot be altered, changed or cancelled at anytime. We are very sorry for any inconveniences this may cause.

 

If you have any queries, our Collections Department is here to help.

 

QuickQuid Collections Department

 

Any ideas? They are saying that they are not accepting repayment plans.:sad:

 

HELP!

Link to post
Share on other sites

Get that email to the OFT, they are way out of order.

 

BTW keep any emails short and to the point, they do not understand complicated sentence structure, remember YOU are now in charge of your finances, not them.

 

Halifax are wrong in saying they need evidence you have told people not to take funds, once you change your card details tell them you now want to reset authorities up, not them, they apparently now automatically give everyone who had access to your old card your new details - complete breach of Data Protection IMHO.

Link to post
Share on other sites

The OFT Guidelines in Debt Collecting, however they are only guidelines but as they are regulated by the OFT you need to complain complain complain to the OFT. It is the only 'regulation' these companies understand as they can have their licences taken away.

Link to post
Share on other sites

I have managed to negotiate a pre-default payment plan with Quick Quid via their live chat - First payment being next month so thats 3 down 1 to go :whoo:

 

Damn toothfairy!!!!!!:evil: I really don't want to speak to them on the phone- don't know why they make it so hard to get in touch. I will tell them I'm making a complaint to the OFT about them via their silly online contact form to see if that makes any difference- I'm just not looking forward to receiving the barrage of threatening letters etc that I've read about on here.

 

Has anyone EVER managed to negotiate a repayment plan with TOOTHFAIRY or their associated companies (paycheck credit/speedcredit)????

 

If so your advice would be much appreciated!!!

Link to post
Share on other sites

That livechat is worthless. Before you pay ANYTHING, you need to get the agreement in writing. Either by letter or email. Again, do not pay a single penny until you have that agreement in writing.

 

Never use the livechat. Either mail them using recorded delivery or by email and CC it to yourself.

 

Also, have a read of my thread: http://www.consumeractiongroup.co.uk/forum/showthread.php?349703-Payday-Loan-Companies-and-OFT-Guidance-on-Debt-Collection If they break those guidance regulations, just once, then get complaining as much and as loud as you can.

 

 

If you are scared about recieving letters, when you write to the PDL, include the letter found at : http://www.consumeractiongroup.co.uk/forum/content.php?493-Harassment-by-telephone-response-letter

 

If they break your instructions in that letter, then complain immediately to the OFT and OFCOM. Please note, you NEED to complain otherwise the PDL will just laugh and keep contacting you.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

I got the same 3 month crap from PDUK but ill only owe £50 then, so far Ive heard nothing.

QQ sent me up a plan right away, but trying to change it is impossible!

 

Re QQ email relston@enova.com

Edited by 2009dg

[SIZE=1]PAYDAY LOANS: only QQ left, haven't paid for 2 months, lets wait & see what happens. [/SIZE]

Link to post
Share on other sites

Hi All,

 

The saga continues I received multiple emails over the weekend from Toothfairy. I received the following this morning:

 

Dear Loveliness

 

We have not received payment from you regarding your outstanding loan.

 

This is now extremely overdue.

 

Full payment needs to be received immediately.

 

If we do not receive it, we will consider legal action and recovery action. This may incur fees and affect your credit file.

 

Please visit our website and click Pay Now to make a full payment of £ 621

 

Please make sure that payment is made immediately to avoid further charges. If not, you will be hearing from our Debt Recovery Agency imminently. Collection by them and any further action will result in extra fees, in accordance with our terms and conditions, being charged.

 

If you have already repaid and this is not reflected in the above statement please contact us so we can investigate this further and correct your file.

 

 

 

 

I’ve sent them so many emails through their online system thing and they are ignoring my responses so out of pure frustration I did the BAD thing & called them this morning. I spoke to an advisor who was so rude! I asked about payment plans and I was told that they didn’t do them then when I mentioned the OFT guidelines I was told that they do accept them but only for fixed amounts. I told him that in line with my original email that I could afford to pay back £200 a month to which he was quite rude and started telling me I had breached my contract with them so I must pay the amount back in full or a minimum of £210. I told him that £200 was all that I could afford to which he said that if I was going to pay back £200 the interest would continue at the same rate and I would have to pay back £900 in total and If I decided to pay less I will be required to pay back over £1,100. The advisor was really rude so I told him that his customer service is really bad and that I would report the organisation to the OFT to which he replied- I don’t care and put the phone down. Shortly after that I received texts from Mr Lender telling me to get in touch with them for a payday loan ( I’ve never heard of them until now) and this email from Northern Debt Recovery:

 

Dear Loveliness,

Thank you for your message passed to us from Toothfairy Finance.

Your current outstanding balance is £631.

On 29.05.12 you will incur the following charges:

£350 recovery fee

1 interest charge of £72

which will make your outstanding balance £1053.

You must pay either

1) £631 by 28.05.12,

OR

2) £1053 by 11.05.12.

If you have any questions please don\'t hesitate to call us on 0843 381 0843

Failure to make either payment will result in your file being passed to a third party bailiff company who will commence proceedings against you in your local county court.

Yours sincerely,

COLLECTIONS (147)

NORTHERN DEBT RECOVERY

 

Can anyone HELP please- as I’m starting to get stressed about this whole situation. What do I do?

Link to post
Share on other sites

Send them through your own email address. NEVER through their site. This is so you have a complete information trail. As sillygirl has been saying over and over in multiple threads, you NEED to get these letters to the OFT.

 

Btw:

 

£350 recovery fee

 

100% illegal and can never be claimed. No court would allow it.

 

 

Again, and i cant stress this enough, you MUST get this to the OFT as they are breaking ombudsman regulations left, right and centre. If you dont complain, then you are letting them do this and pretty much telling the PDL that they are fine doing it.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

Do not phone them again unless you can record the call, if they phone you say very clearly and firmly "All calls are being recorded."

 

Stop wasting time and report them. They CANNOT charge £350 as it is above and beyond the original loan amount and the OFT MUST have this information.

Link to post
Share on other sites

The only reason why I sent them messages through their site is because they don't have an email address- every email address of theirs that I have sent emails to or replied to has bounced back and when I have spoken to them they have told me that they don't have an email address and that they can only be contacted by phone or through their website- what a horrible company- I swear I WILL NEVER BE THIS STUPID AGAIN!!!

 

Does anyone have a direct contact email for Toothfairy/Paycheck Credit????

 

In relation to making a complaint to the OFT I have gone on the website to find their complaint form and it says that it is for advisers or third party organisations- do I fill it in anyway? Or am I looking at the wrong form?

 

Also- shall I still make a partial payment of £200 to Toothfairy or shall I leave it until after I have been contacted by the OFT? Do I contact the Financial Ombudsman too?

 

HELP HELP HELP!!!!!

Link to post
Share on other sites

Dont make any payment yet. Keep up with your repayment plan options.

 

http://www.oft.gov.uk/shared_oft/Credit/complaint-form.pdf manual complaint form.

 

One question, and please dont take this the wrong way.. Why are you getting so worked up over them? Everything theyre doing to you is illegal. We have told you that multiple times, but you still try to follow their advice. You even phoned them, which is a HUGE no-no.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

Listen to Rene he knows his stuff. Dont let them get to you, I have 9 payday loans have sorted them all now except Quickquid, Mini credit and Poundstillpayday. Capital finance one have agreed a repayment plan today hooray!!!!

Link to post
Share on other sites

I only called them out of frustration- like i said I keep sending emails and they all bounce back.

 

Anyone that has email address for them that works please do let me know.

 

I will take your advice and not make any payment to them & stick to my repayment proposal I won't be calling them again either.

 

Will be filling out the complaint form tonight to send tomorrow- will keep you updated.

 

Thanks for all the advice so far.

Link to post
Share on other sites

I understand loveliness. However, if they bounce back, then thats not your problem. Contact the OFT and advise them that the PDL is giving misleading information and incorrect contact details, so any attempts to communicate with them go ignored on their part and the debt just keeps rising.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

Thanks! I have a few questions- they might sound a bit silly but this whole thing is new to me. Glad PayDay UK, Wonga & Quick Quid were easier to deal with!!!

 

Do I send my repayment plan emails to Northern Debt Recovery or just leave it until the OFT gets in touch?

 

Do I bother to keep trying to send emails to Toothfairy- or wait for the OFT?

 

Do I complain to the Financial Ombudsman also?

 

Also do I not make any payments until a payment plan is agreed?

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

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...