safeloans want intrest after 60days

[chezelle82]

Thats the thing nao ive paid back What i owe plus extra they want another 190 will see What comes in the Post

[renegadeimp]

I would send them a letter of complaint. IF you ignore them, they could see you as an easy target and will think they could get judgement by default. Remember, once they have that judgement, theres nothing stopping them for asking for enforcement orders.

 

A full paper trail, including letters of complaints, will also stand you in good stead in any court action. Especially if you can show you have asked them to prove that the debt is real, and they refuse or ignore the request.

[chezelle82]

So just Basically say prove that i owe you the £190 even tho ive paid the other back

[renegadeimp]

You would need to make a full and formal complaint to the PDL, and also copy it to the OFT so you can show a judge that despite your best efforts, the claimant has failed to acknowledge or even respond to your requests.

[chezelle82]

Ok will write a letter an Post it to see If its done right. Thanks again for your help

[chezelle82]

done

Edited October 10, 2012 by chezelle82

[chezelle82]

So i asked for proof and they send me a statment not sure If i should Post it in here but it basically says on it for example....

Original loan £.....

Intrest which Was extra to the agreement......

Charges £...

Charges

Charges

Charges

Customer paid £......

Plus on the bit where it says charges 3 Times its the same date not 3 seperate occasions How can i be charged 3 Times in One day???? And also they missed a payment of i paid last year

Any help advice would be great

[renegadeimp]

Those charges are considered unfair. SInce they also didnt show the payment you alredy made, its pretty obvious that the breakdown is fictitious.

[chezelle82]

Ive read up on them today and it says on their website they dont do intrest only payments, yet the payment i paid first at the time says in a email the payment i made Was for intrest??? Im Confused yet this 'payment i made isint on the statment' they said my other payments are like.....criminals they are

[zydeco]

....criminals they are

 

You're learning

[chezelle82]

Safeloans Limited has obtained a judgment (CCJ) against you but unfortunately you have failed to make payment in accordance with the Judgment Order. So far you have not responded to our letters, emails and text messages regarding payment, we are writing to afford you a further Fourteen Days up to 26/10/2012 to make payment to us. If you fail to make payment you will leave us no option but to seek enforcement action by attachment of earnings order. We wish to advise you that if we obtain the attachment of earnings order this process will involve your employer providing the court with a certificate of your earnings and if a full attachment of earnings is granted the court will order your employer to make deductions from your salary. Additional fixed court fees will be added to the (CCJ) judgment debt.

 

This intended action can be avoided. We would rather mediate the repayment of this loan with you and have 3 repayment options for you to consider. Special Note: If you have previously entered in to a repayment plan with us and you have failed your repayment, the below options and offers will not apply to you. You must contact the office on 0208 6800990 please press option 2 and you will passed to a collections operative who will be able to assist you.

 

1. A substantial 20% discount off the balance owing, your new discounted balance is to take up this offer the account must be repaid within 14 days. This action will settle you account and stop proceedings. 2. A 10% discount off the balance owing, this payment arrangement is set over two months. This action will settle you account and stop proceedings. 3. No discount off the balance owing, this payment arrangement is set over four months. This action will settle you account and stop proceedings.

[chezelle82]

Hmmm

[markosoft82]

When did they take you to court?

[Nao]

that doesn't add up at all...

 

if they would take you to court you would have several weeks to either accept liability for the debt or dispute it, but there was no where near enough time involved...

 

so either they somehow managed to sneak in a judgement by default due to no defense somehow at some point in rhe past, or they are telling porkies.

[chezelle82]

Exactly

[markosoft82]

I'd ask them which court and what date gthe hearing occurred, and check with the Court. And if they're lying... Well that's pretty darn serious

[Nao]

what you need to request from them now is evidence of the judgement, cause frankly if they are making it up then they can pretty much kiss their license goodbye.

Even if the Judgement was real and you never had a chance to defend yourself there may still be ways to fight it.

[markosoft82]

But I thought if it was taken to court, the court send you notice of the hearing?

[chezelle82]

I havint received anything in the Post at all and What ive recieved ive posted on here Nothing from any court

[Nao]

The Court might have sent it to a wrong address though, its theoretically possible.

[Nao]

chezelle82 posted on 8th October 2012:

 

got this emailed today

 

We are informing you we are at the legal stage of "Request Judgment" where the issuing of your (CCJ) judgment is being processed and we are informing the court that you have not paid the debt owing and have asked the court to go ahead and "Request Judgment," you will then be registered with a "CCJ."

 

And in the same post:

 

Our offer to settle your judgment debt is a substantial 20% discount off the balance owing, your new discounted balance is £152.25, to take up this offer the account must be repaid in one payment and by 22/10/2012.

 

the post is here: http://www.consumeractiongroup.co.uk/forum/showthread.php?367024-safeloans-want-intrest-after-60days&p=4009626&viewfull=1#post4009626

 

So 4 days ago they where only starting the process of taking you to Court and gave you 14 days (which have not yet expired) to settle the debt, yet now they claim they already have the CCJ?

 

That timeline seriously doesn't add up.

[chezelle82]

Where my name is on the email theres a number that says case number zx........would that mean they asked the court for something?? Im confused LOL

[chezelle82]

Shall i Ring the court up you reckon??

[Nao]

Yes, ring up the Court and ask.

 

There is a way to search for Judgement against yourself online, but unfortunately it ain't free: http://www.trustonline.org.uk/search-yourself

so probably easier for now to just try to get some evidence of it from Safeloans or trying the Court over the phone.

 

If there really was a default Judgement you could ask to have it set aside: http://www.trustonline.org.uk/understand-judgments-fines/set-aside-a-judgment

[chezelle82]

Can you advise me on What i need to actually ask for from sharkloans?? An What i would would ask the court i havint a clue