PaydayUK Help!! ASAP

[Irishson]

Hello to squeeze in the long story, I have posted on several places but thought it'd be best to start a new thread, I have 2 payday loans, one is with Payday Uk and the other Wonga, I have recently agreed a payment plan with wonga quite successfully, however I emailed paydayuk a few weeks ago to arrange a payment plan long before the long was due, after several frustrated emails they said it has to fail payment before a payment plan is considered, that day has come and the £281 is due, I offered a plan by email of £46 however they pretended as if I never even mentioned it, I'm reluctant to call but want to get it sorted fairly immediately! And was wondering if anyone has advice or experiences to help, plus would anyone know how much they are likely to offer me based on the loan amount?

[renegadeimp]

Dont call them. They play ignorant so you feel you have no choice but to do so.

[Jamie Kingston]

I think that the offer is fair and you could call them get them to agree and confirm in writing and then make direct payments to them... should get sorted fairly quickly.

[Irishson]

Hello so i've finally had an email from them, asking me to send my income and expenditure again as if i'd never spoke to them, having sent it off proposing my off they sent a counter offer of 56 over 5 months which i could afford however they said i cant start it from october as the first payment would be needed immediately and that they couldnt hold the account without payment, now i know im right inasking that it start in october as it would take me a few weeks to get my finances in order and i did mention it to them 3 weeks ago in the first place is there anyway i can say this professionally and sternly to them?

[renegadeimp]

Thats just the usual crap they send out. Resend your offer and tell them that it is non negotiable. An i&e form is to prove your offer of repayment is genuine. Not for them to decide one for you.

[Irishson]

Sent them an email with a paragraph copied from another user on here which made them accept my payment plan, however i transfered money into the account to pay them the exact amount and the took 25 pound straight out im guessing that was there collections payment trying to still take the smallest amount out, and then i had to transfer more in so the have now taken a payment today of 71.89 is there any point in me chasing this with them?

[Jamie Kingston]

was it 100% them? or another company perhaps. stop transferring money into the account until they have confirmed acceptance.

[Irishson]

it was definately them as i have had a look on my statement, basically the emailed me saying saying they could accept my offer, and a payment was needed immediately to place the account on hold and could i confirmed the last 4 digits of my card number and expiry, so i transfered the moneyu into the account and emailed them to tell them, then within 15 25 pound was taken and they emailed me saying my payment couldnt be processed so i then emailed and said that its because they had already taken 25 so they are only authorised to take 21.89 and they took the full 46.89 so they have had 71.89 they have stop there collections since but should i complain or is it not going to get me anywhere, they have accepted my payment plan though?

[wigan89]

These lenders seem to do what they like when money is owed to them. I would suggest cancelling your card and getting wages paid in to another bank account.

 

Never give them your new card details, request their banking information and setup a standing order or pay the funds into their account manually on the due dates.

 

1) Cancel your card.

2) Never ring them, always use email or letters to communicate.

3) Never give them your new card details.

4) Setup a standing order with the agreed repayments.

 

Regarding the £25 they took after agreeing to your repayment plan, i would suggest contacting your bank to let them know they never had your consent to take the monies and you would like a refund because that is fraud (it's never this easy but people have been lucky to get it back).

 

Then make a complaint to the oft.