speed credit loan / written off / cleared

[rippedoff15]

Dont want to go to court, i borrowed £250.00 iam going to pay 2 lump sums of £125.00 and just a months int. I feel even if i pay this they will just add fees, also do speed credit list defaults on your credit file etc.

[Guest HardToBeat]

, also do speed credit list defaults on your credit file etc.

 

Sadly, yes, they list on Call Credit only and list the account history and any defaults etc.

[renegadeimp]

Nobody said you would go to court. The fact that they are threating something which will probably never happen, so you feel so scared you have to take out more loans to pay it, is enough for the OFT to act.

[Nao]

I feel even if i pay this they will just add fees

 

Yes they will do so, for me they added more than £3000 charges on a settled debt:lol: and someone else who posted on this forum had a debt with those folks turn from £100 into more than £19000.

However don't worry about legal action, they won't take you to Court.

[rippedoff15]

Just had an email from NDR stating they want the payment if £192.00 ??????? They text asking for 301.00 now they or NDR asking for 192.00 wot next. If i pay the 192.00 will they come back for more

 

Any thoughs

[renegadeimp]

WHo owns the debt? If it's speedcredit, then tell the other companies to go take a running jump.

 

Dont even think about paying any money until you have found this out.

[rippedoff15]

Now had email from NDR today. They now asking for a payment of £407.00 i have emailed had no replys . I took out loan oyt of 250.00 wanted to repay 125.00 over next 2 months but they refuse to reply to my request. Any thoughs

[Nao]

Ehh two hours earlier they wanted 192?

 

Ask them which of their trading names owns the debt, plus request a full breakdown of all the charges.

[rippedoff15]

How i ask for a full breakdown as my emails just come back, today had email stating my payment has been refused and fees have now been added. Can anyone confirm the OFT address so i can write. Cheers

[renegadeimp]

Ok. make sure you have full traceable evidence of everything that is going on. Theres no point writing to the registered addresses as they are simply empty premises. You must get the entire complaint going to the OFT. You can use http://www.oft.gov.uk/contactus#named4 to contact them.

[Nao]

yep, emails bounce and physical mail wouldn't really reach them either, only way to contact tf / speedcredit is effectively the contact form on their website, make sure to screenshot what of what you send to have evidence.

[renegadeimp]

Screenshots wont normally be taken as evidence as they can easily be doctored. If the email bounces, its easier to simply save the reply you get from their email server.

[pammi1000]

e mail for speedcredit is "[email protected]" this is the one i always use it has never bounced back to me if i want to send anything to ndr or mh this is the one i use for them to

[rippedoff15]

Well had 5 email today from NDR now demanding £767.00.

They also state they will not accept any payment plan they state they will call to our house and take goods, also i email asking to arrange a plan and they refused in 45 sec lol what next ?????? I work away and worried

they will turn up when iam away

 

any thoughs

[Nao]

just keep offering them what you actually owe and not a penny more.

 

as for the threats of them showing up, they've been telling me the same for over a year and never showed up, so don't worry about that.

[rippedoff15]

I took out 250.00, was going to make payment next wk if 125.00 followed by another 125.00 plus month fee. Any thoughs once its paid will they keep up the demands

[Nao]

yes, they will keep demanding more and more, however once you paid off what you actually owe it leaves you in a better position with official complaints. Plus should it ever.come to legal action defending wil be much easier.

[rippedoff15]

True words. I will the payment to the speedcredit account via bank transfer. Will be writing to the oft on sunday. Lets hope they go away once cleared the debt. Cheers

[rippedoff15]

yet another email from NDR

 

 

Re loan ref:

 

You have still not contacted us regarding your outstanding debt with our client Speed Credit in respect of your Speed Credit Pay Day Loan*.

 

Please note that:

- all evidence and correspondence will shortly be sent to Solicitors and a case file prepared to be presented to the County Court for Judgement

- expect Recovery Agents to visit all addresses we have on file for you.

- your file is also with Bailiffs who will be pursuing this in conjunction with Solicitors.

 

We recommend you call immediately as we may be able to freeze any imminent activity on your file and come to a suitable arrangement with you.

 

You currently owe:

 

Loan and Interest GBP392

Solicitors - Case Preparation GBP 150

Missed Payment Fee 2 (day 43) GBP 10

NDR Accept Case File GBP 200

Missed Payment Fee 1 (day 29) GBP 10

Cash Transmission Fee GBP 5

 

Repayments todate GBP0

Total GBP 767

 

You will be liable for the full amount and further Court fees if you do not contact us immediately on 0843 381 0843.

 

Yours sincerely,

 

 

DEBT MANAGER - Greg Campbell

NORTHERN DEBT RECOVERY

0843 381 0843

 

NOTICE: The contents of this e-mail are intended for the named addressee only.

 

It contains information which may be confidential and which may also be privileged. Unless you are the named addressee (or authorised to receive for the addressee) you may not copy or use it, or disclose it to anyone else. If you received it in error please notify sender immediately and then destroy it.

 

 

This company are driving me mad, i have emailed NDR to arrange a payment plan but as soon as i send my email less than 1m later they refuse plans, yet reading this email they ask me to call them what a joke. i have wrote to the OFT today and will be sending all information relating to this company inc all emails from NDR .

 

what next more fees , anybody got any feedback

[renegadeimp]

Normal crap. Send it to the OFT/Trading standards and then file it away.

[Nao]

standard threats from them, most of which are blatantly wrong, so don't worry.

 

Not much you can do except fire off complaints.

[rippedoff15]

Well yet another letter from NDR this time they posted it our home address, on nice colour headed paper it states:

 

We have been passed your file by our client speed Credit T/A Speed Credit Pay Day loans* you took a loan with them on 14/08/2012. They have made numerous attemps to contact you to arrange repayment and have offered to put you on a more flexiable and affordable paymeny plan, As you have ignored all calls, emails, letters and SMS your file has now been passed on to oursleves as well as solicitors.

 

PLEASE CALL US AS A MATTER OF URGENCY 0843 3810843

 

will will be left no option but to send our field agent to your addresses. We are also liaising with our solicitors who are in process of obtaining a County Court Claim against you. once this is secured we will then be able to execute:

 

A Warrent of execution for court bailiffs to seize goods

An attachemeent omn earnings to deuct sums from your income

A Garnishing Order to freeze your bank account

 

Leal andf Recovery fees have been added to your file.

 

Loan 200.00

loan & Interest 392.00

Legal fees 150.00

Recovery fees 200

Total 767.00

 

These fees may be reudced if contact is made immediately

 

We , in conjunction with the solicitor and the country court will be pursuing you for monies that court you owe, This debt willonly increase the longer you igone it as intrest will carry on accruing and court fees and bailiff fees will ultimately be added

 

if we do not hear from you within 48HRS futher action be be taken

 

Greg Campbell

 

With regard to this company i have email Speed Credit had no replies, emailed NDR no replies so how can they state they have offered a repayment plan when clearly they have not also can they freeze our bank account

 

cheers

[tinkerbell_2k12]

Well yet another letter from NDR this time they posted it our home address, on nice colour headed paper it states:

 

We have been passed your file by our client speed Credit T/A Speed Credit Pay Day loans* you took a loan with them on 14/08/2012. They have made numerous attemps to contact you to arrange repayment and have offered to put you on a more flexiable and affordable paymeny plan, As you have ignored all calls, emails, letters and SMS your file has now been passed on to oursleves as well as solicitors.

 

PLEASE CALL US AS A MATTER OF URGENCY 0843 3810843

 

will will be left no option but to send our field agent to your addresses. We are also liaising with our solicitors who are in process of obtaining a County Court Claim against you. once this is secured we will then be able to execute:

 

A Warrent of execution for court bailiffs to seize goods

An attachemeent omn earnings to deuct sums from your income

A Garnishing Order to freeze your bank account

 

Leal andf Recovery fees have been added to your file.

 

Loan 200.00

loan & Interest 392.00

Legal fees 150.00

Recovery fees 200

Total 767.00

 

These fees may be reudced if contact is made immediately

 

We , in conjunction with the solicitor and the country court will be pursuing you for monies that court you owe, This debt willonly increase the longer you igone it as intrest will carry on accruing and court fees and bailiff fees will ultimately be added

 

if we do not hear from you within 48HRS futher action be be taken

 

Greg Campbell

 

With regard to this company i have email Speed Credit had no replies, emailed NDR no replies so how can they state they have offered a repayment plan when clearly they have not also can they freeze our bank account

 

cheers

 

Standard letter that they send everyone, dont worry about it

[rippedoff15]

Just finishing a letter to the OFT address:

 

Enquiries and Reporting Centre

Office of Fair Trading

Fleetbank House

2-6 Salisbury Square

London

EC4Y 8JX

 

Should i enclose all letter and copy emails relating the the issue, and send recorded delivery

 

cheers

[renegadeimp]

You can do. You should also receive a reference number from them, which you must quote if you have any further evidence or questions.