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Hi,

 

Briefly:

 

Im with Payplan. Here's link to my post about all my PDL's:

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?363762-4-Payday-Loans-now-with-Payplan-but-.....&p=3974544#post3974544

 

Apparently all have accepted the offers but PaydayExpress have called about 8 times every day (no message) and 8 times today plus called work. Before anyone says I have just sent the harassment letter which they got today but where do I go from here?

 

I know I can complain but to whom?

 

Many thanks,

 

Jon

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Complain to the OFT as calling your employer is a very big breach of oft guidance and their credit licence.

 

Exhaust the creditors complaints procedures and get the FOS involved.

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

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Thats up to 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

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  • 4 weeks later...
I spoke to them and they said even though they have put a note on the system I will still get calls and texts until it's paid.

 

 

Never speak to them. You MUST get what they said in writing. What they said is a blatant breach of OFT guidance and is borderline criminal harassment.

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

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Is there any way you could record these phonecalls? From my experience, as soon as I mention that I'm recording the call they go all quiet and in most cases hang up instantly as they know they can't just say what they want anymore.

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Never tell them you are recording it. You dont need to.

 

Just play along and make sure YOU follow the rules. Let them drop themselves in 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

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hello not sure where to post this as i cant find any of my posts or how to post a new thread, i've noticed that the address i have down for two payday loan companys was completely incorrect but i put it down i just must have not thought (that im paying off monthly)and want to know am i able to amend this via my credit report even though i put the new (wrong) address on my account via there website?

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Yes, quietly remind them when they call that you have requested they don't, and remind them that you clearly stated you would be recording all calls and keeping all electronic messages as proof of their harrassment.

 

Then get complaining to them and the OFT/Trading Standards.

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  • 3 weeks later...

HI, me again. New problem. I did a new thread - lots of views but no comments - so.......

 

Basically with Payplan who have been amazing. Had 4 PDL's - all accepted other than Payday Express. Payplan told me that they wouldn't accept but will still be sent the payment - which is small to be fair but in line with my budget.

 

I think I made the mistake of emailing them (Payday Express) and asking for their bank details and offering £20 per month in addition to the money that Payplan send them.

 

This is the rather stroppy I got back,

 

"Thank you for your recent email.

 

Please note that the reason we have rejected your debt management plan is because you signed with your debt management company BEFORE you borrowed the loan from us - not because "we want more money".

 

If you sign with a debt management company it means that you have recognised that you are not in a financial position to repays your debts without assistance, and by borrowing more you are breaching the terms and conditions of the loan and making your financial situation worse.

 

We have sent you our bank details as you requested them, however there is currently no mutually agreed repayment plan in place and currently you are leaving your account open to interest, charges and collection action.

 

Regards,

 

Payday Express"

 

I certainly can not pay any more.

 

What do you think is the best approach here? Just pay what I said I would? Or try to enter an agreement?

 

Thanks,

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Swanleyboy...

 

As much as I understand your eagerness to get these jokers off your back..

 

You've obviously provided payplan with you income and expenditure details and worked out pro rata payments with your creditors. If you've got £20 a month spare it would probably be fairer to advise payplan and add this £20 on to the amount you pay payplan so it can be evenly distributed between the creditors who aren't being arsey.

 

PDE are vultures. You'd have more luck trying to negotiate with the devil. Let them sit there with their arms folded and throw their toys out of the pram. They're getting a piece of the pie and eventually they'll accept your dmp.

 

I'd definitely not enter into further communication with them. This defeats the object of your dmp. Simply referr them to payplan with your reference number if they contact you again.

 

Regards

 

BM

It never rains but it pours...

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