Flm quick threatning me of default

[geeza2012]

FLM QUICK

 

Hi I’ve taken a small loan with FLM Quick of the amount £500 in approximately in May to July 2011.

 

I at that time was in full timeemployment and had been for 9 year’s.

 

Towards the end of February I resignedand now I am unemployed and am on JSA.

 

Since I’ve taken this loan I’ve been charged £558.23 & that’s all INTREST& CHARGES.

 

Some month I get INTREST & CHARGES two times within a month and even three timesa month.

 

They are now e-mailing me and textingand phoning my guarantors home phone and mobile and leaving her text messages ande-mails. I have a Guarantor that’s unemployedand was when I was given this loan from them. I have written a letter to themwhich I have put below but with of course parts edited.

 

 

 

 

 

 

 

This letter has been totally ignored, phoned my bank they have put me on amoney management plan so no one can talk money for 6 month as I am already overdrawn.

 

But yet they have my guarantor bank details and have taken money out of heraccount.

 

She phoned the bank (Halifax) but there is nothing they can do as it’s not aStanding Order and it’s not Direct Debit. They say it’s a card payment, she hasonly ever authorised payments to be taken out once yet they have taken two extrapayments without her consent or authorisation.

 

What should she do now as the bank are clearly not helping and FLM are writingto me saying they will take further action.

 

I have paid there £500 I took withthem back but now they want me to pay them all this interest. I am unemployedand so is my guarantor surely they cannot treat us like this.

 

If you think you can help please do I am looking to take this futher, suethem for harassment etc...

[maroondevo52]

Hi, geeza.

 

I have moved this thread to the appropriate Forum.

 

Regards.

 

Scott.

[dx100uk]

does this help?

 

We have been telling people to put a letter into their bank instructing them not to make any payments under any circumstances to these companie

http://whatconsumer.co.uk/visa-debit-chargeback/s - it works!

 

banks MUST follow written intructions from their customers !

This fsa guide has now been updated:

 

http://www.fsa.gov.uk/pubs/consumer_...ghts_guide.pdf

 

Here's the text:

 

Cancelling a regular

card payment:

 

When you give your credit or debit card

details to a company and authorise

them to take regular payments from

your account, such as for a gym

membership or magazine subscription,

it is known as a ‘recurring transaction’

or ‘continuous payment authority’.

These are often confused with direct

debits, but do not offer the same

guarantee if the amount or date of the

payment changes.

In most cases, regular payments can

be cancelled by telling the company

taking the payments. However, you

have the right to cancel them directly

with your bank or card issuer by telling

it that you have stopped permission for

the payments. Your bank or card issuer

must then stop them – it has no right to

insist that you agree this first with the

company taking the payments.

Be aware, though, that you will still be

responsible for paying any money that

you owe.

see: http://www.consumeractiongroup.co.uk/forum/showthread.php?336569-How-to-remove-a-lender-s-continuous-payment-authority(2-Viewing)-nbsp

dx

[geeza2012]

does this help?

 

We have been telling people to put a letter into their bank instructing them not to make any payments under any circumstances to these companie

http://whatconsumer.co.uk/visa-debit-chargeback/s - it works!

 

banks MUST follow written intructions from their customers !

This fsa guide has now been updated:

 

http://www.fsa.gov.uk/pubs/consumer_...ghts_guide.pdf

 

Here's the text:

 

Cancelling a regular

card payment:

 

When you give your credit or debit card

details to a company and authorise

them to take regular payments from

your account, such as for a gym

membership or magazine subscription,

it is known as a ‘recurring transaction’

or ‘continuous payment authority’.

These are often confused with direct

debits, but do not offer the same

guarantee if the amount or date of the

payment changes.

In most cases, regular payments can

be cancelled by telling the company

taking the payments. However, you

have the right to cancel them directly

with your bank or card issuer by telling

it that you have stopped permission for

the payments. Your bank or card issuer

must then stop them – it has no right to

insist that you agree this first with the

company taking the payments.

Be aware, though, that you will still be

responsible for paying any money that

you owe.

see: http://www.consumeractiongroup.co.uk/forum/showthread.php?336569-How-to-remove-a-lender-s-continuous-payment-authority(2-Viewing)-nbsp

dx

 

Don't now where to start its not a Direct debit or standing order so the bank won't do anything. The bank said she has to cancel with FLM first then FLM have to let the bank now it's canceled then the bank can take action. I don't want to talk to FLM as been adviced what shall I do next I've even sent FLM a recorded letter heading CANCELATION OF CONTINUOUS PAYMENT OF AUTHORITY. Just seems to be ignored.

Need help please

[dx100uk]

as far as i'm aware its YOUR BANK, that you fire this off too

 

nothing to do with FLM!

 

the bank must act on your instructions!

 

dx

[geeza2012]

as far as i'm aware its YOUR BANK, that you fire this off too

 

nothing to do with FLM!

 

the bank must act on your instructions!

 

dx

 

I have tired I have even said I will report you to the Trading standard and FOS. I even took the names of the supervisor as it might make them think twice that didn't work.

[geeza2012]

I have tired I have even said I will report you to the Trading standard and FOS. I even took the names of the supervisor as it might make them think twice that didn't work.

 

Ok that did work after a short but furring conversation my guarantor got a letter throw the post cancelling any payment to FLM.

Now they want to give me a defult notice.

What should I do?

I am still on JSA, yet they want money.

What shall my next move be, I have till Monday 3rd Sep 2012 to get this letter off to FLM.

Many thanks

[geeza2012]

FLM QUICK

 

Hi I’ve taken a small loan with FLM Quick of the amount £500 in approximately in May to July 2011.

 

I was at that time in full time employment and had been for 9 year’s.

 

Towards the end of February I resigned from my job and now I am unemployed and am on JSA.

 

Since I’ve taken this loan I’ve been charged £558.23 & that’s all INTREST& CHARGES.

 

Some month I have had INTREST & CHARGES two times within a month and even three times a month.

 

They are now e-mailing me and texting and phoning my guarantors home phone and mobile and leaving her text messages and e-mails. I have a Guarantor that’s unemployed and was when I was given this loan from them. I have written a letter to them which I have put below but with of course parts edited.

 

 

This letter has been totally ignored, phoned my bank they have put me on a money management plan so no one can take money for 6 month as I am already overdrawn.

 

But yet they have my guarantor bank details and have taken money out of her account.

 

She phoned the bank (halifax) but there is nothing they can do as it’s not a Standing Order and it’s not direct debit. They say it’s a card payment, she has only ever authorised payments to be taken out once yet they have taken two extra payments without her consent or authorisation.

 

Since I had a very harsh word with the bank the wrote to

My guarantor and have Lissen to her request and cancelled FLM Quick from taking any further payments from her account. ( Good result).

 

I have paid FLM £500 I took from them but now they want me to pay them all this interest. I am unemployed and so is my guarantor surely they cannot treat us like this.

 

My guarantor has since had calls and we both have had letter. The most resent one sayes pay £102 to bring you account upto date to avoid default being given against both of us.

 

What should I do? What's my next move please.

 

 

If you think you can help please do I am looking to take this futher, sue them for harassment etc...

[geeza2012]

FLM QUICK,Payday loans,loan sharks,threatening behaviour, super high intrest rates.

[MARTIN3030]

Will move your thread into the correct forum

[MARTIN3030]

2 threads merged

[BRIGADIER2JCS]

I am not surprised that your guarantor is being contacted, and I can forsee the fact that this person has agreed to guarantee this loan when they are not in a position to meet the obligaion is going to cause more problems.

 

I am sorry to say I cannot see any wrong doing by FLM here, they have correctly it seems issued a default notice giving you a chance to remedy the situation by paying £102.00.

 

You have a difficult situation that perhaps needs ''local'' help such as the CAB or National Debt Line to negotiate for you as quickly as possible.

[geeza2012]

I am not surprised that your guarantor is being contacted, and I can forsee the fact that this person has agreed to guarantee this loan when they are not in a position to meet the obligaion is going to cause more problems.

 

I am sorry to say I cannot see any wrong doing by FLM here, they have correctly it seems issued a default notice giving you a chance to remedy the situation by paying £102.00.

 

You have a difficult situation that perhaps needs ''local'' help such as the CAB or National Debt Line to negotiate for you as quickly as possible.

 

They have sent me the following letter also to my guarantor.

I've explained that Harvey Sturtt specialise in recovering customer debts and that a County Court Judgment (CCJ) is an option they'll use if your account continues unpaid.

 

You know they have the option to enforce the CCJ through bailiffs repossessing yours and Guarantor goods, but you also need to know that they could apply for an attachment of earnings.

 

An attachment of earnings can be claimed against you and Guarantor as long as one of you is in employment now or in the future.

 

We both are unemployed so both of us can't make payments, also whilst in employment I made £530 payments on total. The original loan was £500 so surely the court will see this?

[dx100uk]

threat-o-gram.

 

read it PROPERLY.

 

may, could, might, instructed etc etc not WILL.

 

you borrowed £500

WHAT was the final figure that you had to repay, before it went bad?

 

ADD up all the PENALTY charges - what does that come too?

 

dx