Payday Express have passed debt to DCA - some advice needed

[freeofdebt]

Hi,

Payday Express have passed my debt to a DCA even though I was paying them back a certain amount per month. I have now agreed a repayment plan with the DCA they were okay being honest. Should I continue paying Payday Express as before or should I pay the DCA from now on? will the amount outstanding owed to Payday Express be cleared when I pay of the DCA in full?

Any advice would be appreciated.

[Jamie Kingston]

i would normally advise to keep paying the lender direct and explain to the DCA that an agreement with the lender is already in place.

[freeofdebt]

There wasn't an agreement in place with them unfortunately, I paid them a certain amount per month. They wouldn't come to an agreement with me, after a number of months despite me paying them they have passed it now to a DCA. They have placed a default on my credit file should I just pay the DCA from now? I am confused.

[cheesed_off]

Hi

 

Who is the DCA? If its Castlebridge Credit Management, then that's their in house DCA so it makes no odds.

 

CO

[freeofdebt]

Its with a DCA called Scotcall. Should I contact Payday Express for confirmation who I should pay?they are horrible to deal with. I can take it they passed my debt onto Scotcall, what happens in this case does the total amount owed to them still exist are do they close the account when they sell the debt on?

[Bombaymix]

I'd have given a limb to deal with a DCA over payday express. They wound me up to the point that I became ill!

 

I'd say, as long as the DCA have been assigned to collect this debt then carry on with any arrangements made with scotcall.

 

Make sure you query the amount though! I bet PDE will have added a ridiculous amount of charges and forgot to deduct any payments that you made to them before passing it on.

 

The usual advise given here would be to ignore the DCA and pay the original creditor... Seriously, in this case... Be thankful that scotcall are now happy to accept your offer of payment.

 

Regards

[renegadeimp]

Hmm scotcall. Aren't they the DCA that only deals in old/bad or unenforceable debts?

 

One question, whose name is on the default? The default is probably there correctly as you did indeed default on the agreed repayment plan. The name that is on the default is the company that you should be paying. If its still PDE that owns the debt, continue to play them and ignore scotcall. PDE cannot refuse to take payment towards the debt. Especially if you pay by Standing Order. Should this go anywhere near a court, a court officer can easily see that you tried to negotiate and still made regular and consistent repayments towards the debt.

 

As for their charges and fee's, could you post a breakdown of them? Most will likely be unenforceable, but it will show us the actual amount you owe.

[freeofdebt]

The name on the default is Express Finance. I called Payday Express yesterday and I was told to pay Scotcall as they apparently work in conjunction with Payday Express. I asked the person in collections when I paid the total amount outstanding to Scotcall would the default entry change to satisfactory on my credit report I was told it would. However I am not 100% certain this will be the case, maybe i'm being a little pessimistic but I sincerely hope they will mark it as satisfactory when fully paid. I just want to clear the outstanding debt but if I now break an agreement with Scotcall and just pay Payday Express it may get messy again. I am very confused? my first payment to Scotcall is due end of next week. Any advice please:|

[renegadeimp]

Again, unless you really want to, there is no obligation for you to deal with a DCA unless they own the debt. They have no rights whatsoever apart from saying "please pay this debt."

 

It is entirely up to you if you want to deal with scotcall, but if you still have PDE@s bank details, i would say to continue paying into their account as you have been doing. They cannot refuse, nor stop you from doing this, and it shows COMPLETE willingness to pay the debt; as long as you maintain good and frequent payments.

 

Of course, PDE will still kick and scream and threaten everything possible, but theres nothing they can do about it. Scotcall will do the same, but you can simply tell them to get lost.

[freeofdebt]

Thank you for your advice, I will probably contact Payday Express tomorrow to clarify who actually owns the debt and offer them the same repayment plan I agreed with Scotcall (6 x £55). If they state I must deal with Scotcall I will do as I wouldn't be one bit surprised if they both wanted money from me. Suppose I am good example of someone who has got into the Payday loan trap and doing my best to get out of it but these companies don't want to let go..

[renegadeimp]

Make sure to get that contact in writing, both ways. If you want to pay scotcall, then thats up to you, but if you have PDL's details, personally i would ignore them and pay the lender direct.

[freeofdebt]

Just an update on this issue, I have managed to come to an agreement with Payday Express after a number of phonecalls to their collection team over the last few days I was lucky and spoke with a very friendly and understanding person (the previous ones just fobbed me off and wanted full payment there and then). After our conversation the PDE employee emailed me the agreement plan as requested and I have made my first payment this morning. I can see light at the end of the tunnel for the first time in a year!keep trying and with a bit of luck they will eventually agree to a repayment plan.

[Bombaymix]

Please tell us you're paying them via standing order or through your Internet banking?

 

If yes to the above! Good for you! Glad you've eventually been sorted out