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Safeloans repayment

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Evening all, I have another debt with safeloans, where it has come to the point I should probably pay them. I received this email today. Scare tactics or not ? They say I can pay back at discount rate 590 and it is all cleared? The original debt was 400 ish? So Im not overly arsed about the 590 to pay them back. I am planning on electronic transfer online from my bank, Is this safe ? Will they wipe the debt completely ? :?::???:

 

 

Despite sending you a Default Notice and OFT fact sheet, we still have not received your payment on the outstanding balance which is outlined above. A Default will be issued on your account within the next 30 days and once issued will show on your credit file for a whole 6 years whether satisfied or not. This may seriously affect your ability to obtain credit.

 

If you do not pay this debt we may also consider using litigation, If we obtain a CCJ against you and you fail to satisfy the CCJ judgement debt we may then seek to obtain further enforcement action against you 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.

 

We are posting you the Pre-Action Protocal "The Notice of Intention" which will clearly shows you the amount needed to settle your account. If we proceed with litigation statutory courts costs will be added. We have always tried to negotiate payment of this debt with you and even at this late stage we would still prefer to settle this amicably, therefore we are prepared to offer you 3 reasonable repayment options to settle this debt in full and final settlement of account.

 

Our 3 Proposal offers for settlement.

 

1. A substantial 15% discount off the balance owing, your new discounted balance is £589.05, to take up this offer the account must be repaid in one payment and by the 22/10/2012. This action will settle your account and stop any intended proceedings.

 

2. A 10% discount off the balance owing, your new discounted balance is £623.70, to take up this offer the account must be repaid in two monthly payments and the first months payment must be received by the 22/10/2012. This action will settle your account and stop any intended proceedings. We would prefer the payment to be made by valid Debit Card and we will then set up a payment plan on our system for automated future payments on the day they are due. You can of course make a bank deposit transfer or you can also post a cheque or postal order to our office address at the bottom of this email.

 

3. No discount off the balance owing, this payment arrangement is set over three months. The first payment must be made on / before 22/10/2012. This action will settle your account and stop any intended proceedings and will require three equal payments in the sum of £231.00. If the balance owing cannot be equally divided the 3rd and final payment may slightly vary. This action will settle your account and stop any intended proceedings. We would prefer the payment to be made by valid Debit Card and we will then set up a payment plan on our system for automated future payments on the date they are due. You can of course make a bank deposit transfer or you can also post a cheque or postal order to our office address at the bottom of this email.

 

Please note you must contact us no later than 22/10/2012 with your proposal

 

We are posting you a schedule of payments sheet. To confirm which payment schedule you have chosen please contact our office Monday to Friday between 9:00am - 5:15pm on: 020 86800990, please press option 2 and you will transferred to a specialist collection team member who will be able to assist you in all repayment matters including if you are experiencing financial difficulty. We would prefer repayment by debit card as payments collected are updated on to your account instantly, of course you can make bank deposit payments direct to our account or you can also post a cheque or postal order to our office address at the bottom of this email. Please note these payments will be entered manually and may not show on your account for a day or two, please contact the office for our bank details. You can also post a cheque or postal order to our office address at the bottom of this email. You may also send a letter or email your intention to: litigation@safeloans.co.uk If your first re-payment date is more than 7 days away you will need to make a “Token” (Goodwill Payment). Because of the seriousness of the account status a minimum token payment £20.00 is required to set up the payment plan.

 

If you do not repay this debt we will still continue with our intended proceedings in trying to seek to obtain a (CCJ) judgment against you for the debt outstanding, If we obtain judgment and you still do not repay your debt we may then seek to obtain further enforcement action which may include attachment of earnings order, and if a homeowner a charging order, we must warn you a County Court Judgment will show on your credit file for 6 whole years from when registered whether satisfied or not. Please note all fixed court costs and fees will be added to your account. For advice about County Court Judgments please visit the Directgov website www.direct.gov.uk and enter Count Court in the "search this site" bar, for debt advice contact citizens advice bureau www.citizensadvice.org.uk

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