telephone stop calling letter please?

[liz01]

hi can someone point me to the letter to stop them, payday loans, harrassing at work please? thank you

[Nao]

You can find the phone harassment letter here: http://www.consumeractiongroup.co.uk/forum/content.php?493-Harassment-by-telephone-response-letter

 

I would also recommend having a look through here: http://www.consumeractiongroup.co.uk/forum/entry.php?180-Debt-Threats-a-quick-self-help-guide

[liz01]

brilliant thankyou so much, trying to sort out wonga and payday express at moment, wife is seriously ill and we only now have one income, so need to do repayment plans with them, fingers crossed! have secured my wages to go into wifes account so am in process of drafting emails to send to them in next few days,have also told bank to stop payments etc, payments are due out in next 5 days or so. any help with the email and what it should contain most welcome!

[Nao]

Offer them what you can afford to pay, even if its only 1£ per week or so, while they are not legally required to just accept any payment payment plan ultimately they don't have much choice, after all it is better for them to get the money back slowly than not getting it at all.

 

Also make sure you don't agree to pay any of their ridiculous charges, all you have to pay is original loan + 1 month interest - any payment already made.

[liz01]

oh i didnt know that, thank you, how do you stop them adding the charges then? any ideas on what the email to ask for repayment plan should contain?

[renegadeimp]

Wongas calling you at work?

 

Get in touch with the OFT, send that harassment letter out, and also get in touch with Stella Creasy MP. Wonga have been in the media a lot lately due to OFt investigations and a LOT of complaints about their business practices. Calling you at work is a very big no under the eyes of the OFT.

[liz01]

no they havnt as yet, im just getting everything ready in case, as im at the hospital alot seeing my wife, i want to make this as easy as possible so she doesnt have any worries, and if im armed with everything i can just send out asap! any advice as to what the email should contain with regards asking for a repayment plan? are they ok ish to deal with? wonga and paydaye express? thank you, you are all brilliant in helping.

[renegadeimp]

Wonga are pretty decent with repayment plans. Just make sure you get it in writing before you send any money. PDE it's 50/50 with them.

[liz01]

hi, after sending 8 emails on a daily basis have had this reply from pde,

 

Thank you for your recent contact and your request for a repayment plan.

Our accepted criteria for a repayment plan are as follows:

 

• Significant Loss of income

• Unexpected change in personal circumstance, e.g. Long term sickness

• Severe Disability or illness (including close family members)

• Terminal illness or Mental illness (including close family members)

• Deceased (including close family members)

• Redundancy or Reduced hours (contractual hours reduced by company)

 

All or any of the above may require documented evidence. I.e.:

 

• If you are now unemployed or in receipt of financial support, please provide proof of unemployment or redundancy. If your contractual hours have been reduced by your employer, please provide a letter from your employer on company headed paper to confirm this.

• If your circumstances have changed due to personal illness, please provide a copy of a doctor’s note or hospital letter.

 

If your financial circumstances have changed we may be prepared to consider a reasonable and affordable repayment plan.

 

A repayment plan does not vary or release you from the terms and conditions of the signed loan agreement, so if you fail to comply with the terms of repayment plan we have the right to obtain payment of the full amount outstanding together with accrued interest and charges from any of the debit cards that you have supplied to us.

 

At 90 days past the original due date whether an agreed repayment plan is in existence or not we will register a default on your records with credit reference agencies.

 

my wife is seriously ill, so how much info do i give them, what do i actually give them? do i actually give them proof? is this just a standard letter sent to all? help most welcome.

 

 

 

 

 

** Call charges may apply depending on your telephone provider. Calls may be recorded and monitored for security and training purposes.

Payday Express, 4th Floor, Northside House, 69 Tweedy Road, Bromley,

Kent, BR1 3WA

Tel: 0800 652 4661 Email: [email protected]

Copyright © Express Finance - Consumer Credit Licence No. 478122 Payday Express is a trading style of Express Finance (Bromley) Ltd, registered in England No: 3841946. Registered Address: 6th Floor, 77 Gracechurch Street, London, EC3V 0AS. Payday Express is a registered Trade Mark under the Trade Marks Act 1994 under No. 2414425. Data Protection No: Z6952346. Credit Licence No: 478122

 

This email is provided in confidence and any attachments are confidential and solely for the use of the intended recipient. If you are not the intended recipient of this e-mail, please notify the sender, delete it and do not read, act upon, print, disclose, copy, retain or redistribute it or its attachments. Although this email and its attachments are believed to be free of any virus or other defect, it is the responsibility of the recipient to ensure that they are virus free and no responsibility is accepted by the company for any loss or damage arising from receipt or use thereof.

[renegadeimp]

Ignore that letter. It is NOT up to them what qualifies as hardship.

 

If you cant meet the repayments, and have an I&E as proof, then its tough luck to them. If you have PDE's bank details, you can set up a standing order directly and use your account number as a reference. They are then obliged by law to accept it and credit it to your account. It also covers your back in any future action or arguments.

[liz01]

thank you for that, i havnt given them an i & e as yet, do i def need to do this? no dont have the bank details but will see if i can get them, i have read on other posts, that all i should pay back is one months interest, is that right? i do intend to pay it back just need time and with my wife so seriously ill its hard at the moment, is emailing the way to do this? i will not be ringing them.

[renegadeimp]

You dont have to, but its a good idea so you can cover your back. However, dont give them a full I&E. Just a summary is fine.

 

Also remember that they are low priority creditors, and you are in a difficult situation. Under the terms of their credit licence and OFT guidance on debt collection, they MUST take your situation into account.

[liz01]

hi i emailed again pde with the advice above, and had the exact email back which is also above on this thread, completely yet again ignored request for payment plan, gave a very basic i & e, i dont see why i should them a doctors letter about my wife, this is distressing enough without having to go into details with them, any info on next email to send please?? many thanks

 

 

also dealing with wonga at same time, sent 10 emails but no repayment plan, keep asking me to call them which i will not do, any further info on dealing with wonga please?? its like they are delibertely taking their time so they can add more charges etc?? i am right in saying that i should only pay back (eventually) the amount i owed plus one months interest??

[Nao]

The health of your wife is absolutely none of PDEs business, they can't insist on proof of her health issues, get those demands to the OFT.

[renegadeimp]

PDE are taking the mick now. Write a formal letter of complaint to them, and get in touch with the OFT. Pladce the account into dispute until they accept your repayment plan. If you need help with a letter, let me know. I have a good one you can adapt that pretty much forces them to accept. If they refuse, then they are in trouble.

[liz01]

hi renegadeimp,regarding pde, thank you if i could have the letter you mentioned it would be most welcome, dont know how much more i can take, im trying to spend as much time at the hospital with my wife as i can and deal with all this as well, they are still insisting i provide proof, im still getting my wages at moment but no income at all for my wife as yet, so cannot use my wages to pay them in full else we have no money for rent etc, i have blocked them on my mobile (although it still tells me how many texts or calls theyve tried to make to me, 17 yesterday,) and have told them i will not call them, written correspondence only.

 

also wonga are being absolute pain as well (these are the only 2 i have) they sent this yesterday,

 

"there is no proof or DOCUMENTS attached to show REASON for hardship.

 

 

REDUCTION IN SALARY- Salary Reciept2-3 salary receipts

 

P45 if currently unemployed /

 

or proof of benefits

 

JSA documents"

its my wifes loss of income at the moment due to her being so ill that has caused this(not her fault) so will not provide evidence of her illness its nothing to do with them, whats next step for me for wonga please? with charges etc at moment i owe approx £1400 on wonga, dont think they are going to accept £30 per month, maximum, if they dont what will they do? cannot thank you all enough for all your help.

[Jamie Kingston]

I would wait it out they will accept in the end. Another good trick is to make a 3 month offer with a view to re evaluate in 3 months...

[liz01]

PDE are taking the mick now. Write a formal letter of complaint to them, and get in touch with the OFT. Pladce the account into dispute until they accept your repayment plan. If you need help with a letter, let me know. I have a good one you can adapt that pretty much forces them to accept. If they refuse, then they are in trouble.

 

hi renegadeimp,regarding pde, thank you if i could have the letter you mentioned it would be most welcome, dont know how much more i can take, im trying to spend as much time at the hospital with my wife as i can and deal with all this as well, they are still insisting i provide proof, im still getting my wages at moment but no income at all for my wife as yet, so cannot use my wages to pay them in full else we have no money for rent etc, i have blocked them on my mobile (although it still tells me how many texts or calls theyve tried to make to me, 17 yesterday,) and have told them i will not call them, written correspondence only.

 

also wonga are being absolute pain as well (these are the only 2 i have) they sent this yesterday,

 

"there is no proof or DOCUMENTS attached to show REASON for hardship.

 

 

REDUCTION IN SALARY- Salary Reciept2-3 salary receipts

 

P45 if currently unemployed /

 

or proof of benefits

 

JSA documents"

its my wifes loss of income at the moment due to her being so ill that has caused this(not her fault) so will not provide evidence of her illness its nothing to do with them, whats next step for me for wonga please? with charges etc at moment i owe approx £1400 on wonga, dont think they are going to accept £30 per month, maximum, if they dont what will they do? cannot thank you all enough for all your help.

[Nao]

whats next step for me for wonga please? with charges etc at moment i owe approx £1400 on wonga, dont think they are going to accept £30 per month, maximum, if they dont what will they do? cannot thank you all enough for all your help.

 

If you can't afford more than £30 a month don't offer more than £30 a month, however what you can do is to say for example you offer them £30 each month for three month, then re-evaluate the repayment plan, that way they might accept it.

[markosoft82]

PDL companies are low priority creditors, so personally I'd offer what you can pay and then stuff them if they whine about it. At the end of the day, you can only pay what you can pay, it's not like you can magic money out of thin air.

 

They don't need any proof of documents. And they certainly aren't entitled to them (they can ask for them, that's their right, but that's about it). But hang on in, there are far more knowledgeable people on here than me that can offer all the help you'll need to deal with them

[liz01]

renegadeimp if possible please[/b], regarding pde, thank you if i could have the letter you mentioned it would be most welcome, dont know how much more i can take, im trying to spend as much time at the hospital with my wife as i can and deal with all this as well, they are still insisting i provide proof, im still getting my wages at moment but no income at all for my wife as yet, so cannot use my wages to pay them in full else we have no money for rent etc, i have blocked them on my mobile (although it still tells me how many texts or calls theyve tried to make to me, 17 yesterday,) and have told them i will not call them, written correspondence only.

 

also wonga are being absolute pain as well (these are the only 2 i have) they sent this yesterday,

 

"there is no proof or DOCUMENTS attached to show REASON for hardship.

 

 

REDUCTION IN SALARY- Salary Reciept2-3 salary receipts

 

P45 if currently unemployed /

 

or proof of benefits

 

JSA documents"

its my wifes loss of income at the moment due to her being so ill that has caused this(not her fault) so will not provide evidence of her illness its nothing to do with them, whats next step for me for wonga please? with charges etc at moment i owe approx £1400 on wonga, dont think they are going to accept £30 per month, maximum, if they dont what will they do? cannot thank you all enough for all your help.

have so far sent over 12 emails to PDE and Wonga and still no help whatsover

[liz01]

hi yesterday i had from PDE 17 missed calls and 5 sms's,still no acceptance of the payment plan i have offered, if renegadeimp is able could he send me the letter that he was suggesting on one of the threads above please, my wife is so seriously ill and im at the hospital alot but really need to sort this out, they are still wanting proof of why i cant pay, and im NOT sending them proof of my wifes illness and her loss of income.

[Jamie Kingston]

I don't understand why you just don't send them the proof, why do you care if they know as long as the situation gets sorted, I highly doubt a "telephone stop calling" letter is going to work.

[liz01]

PDE are taking the mick now. Write a formal letter of complaint to them, and get in touch with the OFT. Pladce the account into dispute until they accept your repayment plan. If you need help with a letter, let me know. I have a good one you can adapt that pretty much forces them to accept. If they refuse, then they are in trouble.

 

hi could you let me have the letter youv suggested please? many thanks

[liz01]

PDE are taking the mick now. Write a formal letter of complaint to them, and get in touch with the OFT. Pladce the account into dispute until they accept your repayment plan. If you need help with a letter, let me know. I have a good one you can adapt that pretty much forces them to accept. If they refuse, then they are in trouble.

 

hi again, if renagdeimp reads this could he let me have the letter hes suggested in above post please, an also point me in direction of the dispute letter many thanks