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    • Thanks for your advice. They didn't really reduce her bill when putting her on the rolling contract. She's emailed BT to complain as well about £800 fee. She will have to check where she stands with her mobile contract given she is still paying each month as she still needs to have a mobile phone for emergencies. A lesson on how careful you have to be when changing providers
    • forget CAB you might as well phone bt back as thats about as useless as they'll be.   you can't have a rolling 24mts contract', bt rolling contracts are month to month only, thats an industrywide accepted definition of what rolling means.   what happened here is she earlier changed her 'package' removing skt to reduce costs. as with all providers that invoked = means she entered into a new 24mts contract.   she latterly phone to cancel that contract, and thus bt charged her the cancellation fee/loss of revenue over the raining months of the contract.   the fact that she owes them 'this money' but didn't pay it, then entitled them sadly to cancel the mobile contract, which sadly again they allowed to do.   rock and a hard place if she wants to keep the same mobile number.   Or as long as her phone is not imie blocked by bt (in otherwords she purchased from BT under the mobile contract) but simply locked to BT (which is easily gotten around for a small fee at many shops/market stalls or if someone is tech savvy follow the guides on youtube to unlock the phone for an even smaller fee. and wack a new sim in it.   as for the £800 bill simply ignore them. they'll sell the debt on  and if anyone like Lowells or anyother powerless DCA debt buyer wants to do court, it's easily defended we've not lost one case like that here.        
    • The 1st 2 calls were the normal scam calls. get a truecall box   the PDC stuff you ignore their letter States our client three whom if you wanted too you deal with directly.   Until/unless whenever it gets sold on too and they eventually send a letter of claim you maintain radio silence    
    • hi all. bit of advice please. I had a Three contract up until November last year. At £11pcm for 24mths. Paid every month on time via their online portal. When I ported over, I received a letter from Three thanking me for being a customer blah blah blah.. It also said IF I owed anything a final bill will be sent. No final bill ever received - I get a phone call around the first week in December form an Indian sounding man who was extremly difficult to understand. Said he was calling from Three, and wanted me to confirm my details - something of which I didnt as something didnt sit right. He said I could log into my account and review my bill as I owed money and then hung up. After the call I thought I'd best log into my account just in case.  Couldnt log in. Account access denied. Logged on to chat - they said as I ported over and I was no longer a customer my access was suspended. Couple of weeks later I had another call from a local area number and answered again it was some Indian guy telling me I owed money, wanting me to confirm details. I refused and he said details will be sent out to me to my email on account and my home address as it was important. Once again nothing.. 15th Dec I received an email from PastDue in my name RE Three. Email stated they were contacting me about Three an I should receive a letter soon regards to this matter. Says about visiting their website.  22nd Jan another email form Pastdue. Stating they have yet to receive a response to the letter, and they had already sent me an email about this. We will continue to contact you until this matter is resolved. Again asks me to login. 23rd Jan letter received dated 13th Jan. Titled "We are here to help keep your Three Services"  Claiming I owed "Airetime Balance £201.43" and contract period was 26/11/2019 to 25/11/2020 States "We have been appointed by Three to recover the amount of £201.43. If you pay this amount in full Three may be able to waive the cancellation fee and reconnect their service for you" - what cancellation fee / re connection??? I ended the contract giving the 30days notice and paying the last bill.. Then the normal crap about its important to pay. If I'm experiencing difficulties etc. Now both December and  January Credit reports from ClearScore, Credit Karma, Credit Expert, Totally Money and Equifax all show Three as Closed and balance as Zero. (Date Satisfied /closed 17th Nov, bal 0, last updated 30th Nov) I've had nothing from Three. As far as I'm concerned I owe nothing as no final bill and no access to the portal. Should I email PastDue and do a prove it & attach proof of Credit Reports being £0 or do I do something else?  
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
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    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
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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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