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    • its better you put letters up as a PDF please  read upload that way you have to be a member to download them and we can see if the enemy are looking at your thread.   but anyway yes ofcourse you ignore that its nothing more than a threat-o-gram.   I could recommend a washing powder to my wife if she buys it or even listens to me is a totally different matter
    • retitled and moved to the HFC forum plenty of like stories to read here.
    • Hello everyone. Another letter for IDRww today. I have attached it. Please could someone put my mind at ease or advise? From all your advise before- I assume I still ignore. They are saying they are now going to advise their client to refer to solicitors.  Thank you Lou
    • Hi all    Long story short, I am South African living in the UK for the past 6 years.   Roughly 4 years ago, I went to Thailand for a 3 month holiday. That was cut short due to O2 taking money out my account including clearing out my overdraft, roughly £2200.   At the time I had no idea it was O2. I thought I had been robbed.   Any way turns out, there is a overseas tariff for using your contract overseas?! I never knew about this, nor was I told or sent any updates regarding my usage in Thailand.   The total bill they say was £8000 and some change!!!!! I cancelled my contract, with immediate affect and said I was not going to pay this. They then sold there debt to Lowell's.   I have asked for a CCA, unfortunately I did it by email! Not sure it's still valid if it's done by email?   I got a response saying, they received my email but unfortunately they need me to send my name address etc. Which I refused as worried it would make me look like I acknowledged the debt!   Since then I have heard nothing, until today.   I got a letter of pre legal assessment.   Now the question/questions are. What do I do? Do I send a written letter requesting the CCA again or do I not?   Worried if I ask again then this will give them more time to acquire the CCA request.   I need this out of my life, as I am wanting to buy a business next year. I am worried as it's reflecting on my credit score. This has been a nightmare.   Any help would be greatly appreciated. 
    • stop paying  they'll never get an enforceable agreement back for a MBNA HFC GM card of that era they were all shredded in the late 90's when PPI reclaiming really took off.   have you checked theres no PPI on your card? as I bet there was..
  • Our picks

    • Future Comms is a Big Con. How to get out of it. Read more at https://www.consumeractiongroup.co.uk/topic/417058-future-comms-is-a-big-con-how-to-get-out-of-it/
        • Like
      • 4 replies
    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
      • 5 replies
    • This is a bit of a lengthy one but I’ll summerise best as possible.
       
      THIS IS HOW THE PHONECALL WENT 
       
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
      • 14 replies
    • A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp ‏ bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/
      • 0 replies
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I have informed payday express that the debt will be paid on 18/10/12 in full. Yet they call my mobile 12 timrs a day. Text every hour and email all day. Is their any letter can be sent as they just a hugh pain in the ass. They will be paid so should i just ignore the calls or keep telling them the same

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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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I have called them emailed them but still get calls every hour demanding money. They will ne paid on 18/10/12 payday express are just ad bad as speed credit and wonga. Trying hard to clear all debts. Now going to block calls from mobile last option.

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Ok. I fyou have told them not to call you, yet they still do, then you need to complain to the OFT, FOS and OFCOM.


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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Well today they called not from a landline yep mobile stating the debt has now increased to £252.00, bunch of clowns now blocking that mobile.

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Make sure you are reporting them.


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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I have reported them last week. Also reported speedcredit. Not had anything back from oft

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You will only get an auto reply a week or two later unless they need more info. However, they collect all complaints and use them against a company if the OFT deems any licence action necessary.


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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Just had an email last night from Payday Express as follows, however strange thing as their was an outstanding amount. As they state inn the email loan cleared ???????????

 

 

Dear Mr ,

 

Client Reference: ******

 

 

We can confirm that your balance has been cleared.

 

Your loan limit is: £149.57.

 

If unforeseen expenses crop up and you need some extra cash until payday, apply on the Existing Customer Page of our site to get up to £150.00 cash.

 

If you have any questions, give us a call on 0800 652 4660.

 

Regards,

 

Payday Express

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Have you checked your bank account to see if they've helped themselves to your money? PDE are not in the habit of wiping people's slates clean... They much prefer to hound you for months instead :/


It never rains but it pours...

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Yes, have checked our bank account which they have on recorded as well as our joint account and they have taken nothing at all, think they will send another email monday stating the error or maybe not ?????

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Lol... Strange! Glad you've checked your associated bank accounts and all appears ok.

 

During the course of the loan, did you EVER pay with someone else's debit card? I ask this because... I once paid them an extension fee with my partners debit card, requested that they delete the card information after payment. A few months later my wages didn't go in on the date they should have done and they asked me if I wanted to pay via the card I used a few months ago... Fortunately, my partner had lost her card in that few months and her details had changed anyway.

 

I'm leaning towards PDE have cocked up and sent you that email in error. Their system (and staff) have many hissy fits and like to fire off lots of contradicting emails. The amount I owed increased 3 times in one day once because I got angry and sent them a few emails telling them to foxtrot Oscar :/


It never rains but it pours...

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We have never paid with any other card, all accounts have been checked and clear. we think its an error but where do we stand now they have sent an email stating its clear, just going to wait and see i think is the best action. but 100% sure they will resend email demanding more lol.

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Well just had an email stating

Account update you now have cleared your account and you have got a credit limit of £150.00. Apply today and get your cash . Just going to keep a copy just in case. Lol

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Well gone from bad to never worse.checked our old lloyds tsb account last night. And payday express have taken £252.00 using the old debt card. Why would the back let them take funds as the account has NO overdraft and was zero balance. What next now lloyds charge

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Just had been talking to Lloyds TSB regarding the funds taken from our account

 

1, the account had a zero balance NIL.

2, Payday express contacted Visa stating we have an outstanding balance of £251.00, and confirmed the debt ???????

3, Payday requested the funds from TSB, and they paid the amount, now the account is -251.00, and lloyds are charging fees.

 

During the call Lloyds have stated the as Payday and all that type are linked banks / lenders they are treated differant and visa can clear them to take funds even if the account has a nil balance, are lloyds correct in the statement, we have cancelled cards blocked accounts to stop more claims, but the lady from Lloyds was helpful and confirmed this is now a common practice but there hands are tried. As visa and and payday company are passing inforamtion relating to debt which can be claimed.

 

Can anyone help with information

 

cheers

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Well can this get any worse, due to the fact Lloyds have paid the Payday Exprees balance of £251.00, and the lloyds account is now -£251.00 yeo you guessed it lloyds are now charging £10.00 every day until the funds atre repaid in full. Nightmare according to Lloyds Payday Express got clearance from Visa to claim the £251.00 therefore Lloyds had to pay even if the account had a nil balance.

 

Again hitting my head on a brick wall, lloyds say as payday express are a lender they have differant rule relating to payments which we think is a load of rubbish, We have asked for lloyds to charge back to Payday Express but they have refused stating we have to get Payday to refund JOKE. now Lloyds state we must pay into the account £301.00 who the crooks yep all of them

 

Can anyone help please

 

cheers

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Hi,

 

I've had the same issue. At the time, I thought they'd only attempted to take the money from my account as I don't have an overdraft and frankly, I'm a little dumb!!

 

Anyway, after three calls to the bank (Lloyds TSB) and a bit of maths, I found they had actually taken the money. I called them again and explained the situation. Basically, they used my old card details to take the money (I'd presumed somehow they'd managed to obtain my new details but the chap in finance said sometimes they try the old details and it's honoured) but as I've told them during their various 8 calls a day back in July and August that I'm with a debt management company, and I've followed this up with emails and letters on 7th August.

 

The outcome is that Lloyds have raised a dispute and if they argue it (as far as Lloyds is concerned Payday Express is aware because I've told them verbally, the debt management company has told them and sent them money so they shouldn't have done it) they will be fined and the money will be returned to me, plus accrued charges, by 6pm. If they agree, the money will be in my account by 6pm.

 

Speak to the bank and kick up a stink about it. Make sure they're aware that PE know of your situation, and the money should be returned.

 

Of course, you may have already dealt with the situation, in which case I hope it went well! But if not, I hope this experience of mine helps you somewhat.

 

Take care!

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Hi. Thanks i will be calling and writing to Lloyds tsb as they have now charged £80.00 as the account is overdrawn. We asked fir a repayment plan had no replies from payday express. Lloyds are now calling our home asking when funds will be paid in to clear the account. They were not happy when i told them the account is in dispute, again they state they had to clear the payments as per payday express request and visa. Payday informed visa of the debt therefore visa leared them for payment thus lloyds transferred funds.

 

Will be fighting this lender as we can not pay lloyds fees at the rate of 10.00 day never mind the 251.00 what a mess

 

cheers for the info

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Just had a letter from Lloyds demanding the 251.00 & 80.00 in bank charges !!!! Who are croooks payday or lloyds oh both of them. Not paying a penny until lloyds give proof of the debt they claim payday submitted to visa.

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Hi,

 

I've had the same issue. At the time, I thought they'd only attempted to take the money from my account as I don't have an overdraft and frankly, I'm a little dumb!!

 

Anyway, after three calls to the bank (Lloyds TSB) and a bit of maths, I found they had actually taken the money. I called them again and explained the situation. Basically, they used my old card details to take the money (I'd presumed somehow they'd managed to obtain my new details but the chap in finance said sometimes they try the old details and it's honoured) but as I've told them during their various 8 calls a day back in July and August that I'm with a debt management company, and I've followed this up with emails and letters on 7th August.

 

The outcome is that Lloyds have raised a dispute and if they argue it (as far as Lloyds is concerned Payday Express is aware because I've told them verbally, the debt management company has told them and sent them money so they shouldn't have done it) they will be fined and the money will be returned to me, plus accrued charges, by 6pm. If they agree, the money will be in my account by 6pm.

 

Speak to the bank and kick up a stink about it. Make sure they're aware that PE know of your situation, and the money should be returned.

 

Of course, you may have already dealt with the situation, in which case I hope it went well! But if not, I hope this experience of mine helps you somewhat.

 

Take care!

 

 

I got paid today and was alarmed to find that Payday Express have taken over £1200 from my account. They are aware that I am now with a repayment plan and have acknowledged this in writing but when called today, they basically said they are within their rights to take the money and don't care that I have nothing to live on all month and hung up. I have been in tears all afternoon. My bank have raised a dispute and I am just praying that I will get my money back. Today was to be the start of a clean slate.

Z

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Bad times, I've cleared my debt and still receive phone calls at my work place weeks afterwards chasing payment, I've sent letters, spoken to customer services several times including supervisors to be promised that it will be resolved to then get more embarrassing phone calls, Payday Express truly are jokes... how they remain in operation is beyond me, good luck to anyone dealing with them!

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Many thanks will email and

post later today cheers

Did you have any joy using this letter? I took a payday loan with payday express through a broker who has now handed my debt onto a collections agency although it's already been paid... I've sent Payday Express and the broker a letter I personally wrote without a template but it went into great detail about the situation, I sent it recorded delivery and I can see it was signed for 7 days ago now... I'm yet to receive a reply, did you receive a written reply and if so how long did it take to receive?

 

Thanks.

Edited by Ceri Thomas

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Would appreciate a reply to the above question as I'm still having issues with payday express they still haven't replied to my original letter... although no reply has been received I haven't received any more calls directly from payday express at my work place... but I am still getting debt collection letters unfortunately and starting to get a bit worried.

 

Please be aware that all debt owed to payday express has been cleared, there maybe a duplicate on the system or something but I am not aware of this,

 

Thanks.

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