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Hi this is the first time i have used the forum so apologies in advance for any errors.

 

My story is that

 

in September 2011 i took out a loan with payday express for £160.

 

I defaulted on this loan but paid back £270 by April 2012 at which time they told me verbally that the loan had been settled.

 

I was then surprised to be contacted by crs saying that i owed payday express £25,

 

i disputed this and gave them details of the transaction i had made with payday express.

 

They went back to payday express with this information and then got back to me saying that payday express had gone through the account

and the amount i owe is actually £125.

 

Seeing as i have already paid £270 for borrowing £160 i am refusing to give them another penny.

 

Any help on this matter would be appreciated

 

Many thanks

jb184

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Hi this is the first time i have used the forum so apologies in advance for any errors.

 

My story is that in September 2011 i took out a loan with payday express for £160. I defaulted on this loan but paid back £270 by April 2012 at which time they told me verbally that the loan had been settled.

I was then surprised to be contacted by crs saying that i owed payday express £25,i disputed this and gave them details of the transaction i had made with payday express.They went back to payday express with this information and then got back to me saying that payday express had gone through the account and the amount i owe is actually £125.

Seeing as i have already paid £270 for borrowing £160 i am refusing to give them another penny.

 

Any help on this matter would be appreciated

 

Many thanks

jb184

 

Morning jb184.

 

A really good place to ask for advice is .... http://www.stepchange.org ... They were originally the CCCS - Consumer Credit Counselling Service charity. Now called stepchange.

 

I'm not an expert with money issues but they are. Its free and confidential. And you have nowt to loose.

 

Nimitz

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Thread moved to payday loans forums.

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paydayexpress forum

 

done

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Personally i would ignore them but if you do not feel comfortable with that then write to them asking for complete justification of charges and amounts due. In short demand that they prove it.

I do not know if a SAR provides transcripts of or copies of recorded telephone conversations but i am sure someone here could help with that. I do think that might be a sledgehammer to crack a nut though.

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