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hi my wife got into some finacial difficulty with these pay day loan companys, there are now making aggressive calls and also sent a letter to my wifes company stating they are going to send bailiffs to the company to collect/enforcement are they legally entitled to do this,please help

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sorry just to add a note it wasnt a letter but an automated telephone message leaving no contact details to actually contact who ever,or which ever company it is

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Which PDL company (ies) has your wife had loans from?

 

These are just threats. Check the text message and get the number it was sent from...it may be possible to trace which company it is and then lodge formal complaints.

 

They cannot send Bailiffs full stop. Not to your workplace or home. Bailiffs can only be sent after they have taken you to court, won, you have failed to pay and the court issues a warrant for bailiffs to attend.

 

They may send a doorstep agent to your home but they are easily dealt with by telling the to politely get lost.

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quick quid,payday uk,pounds2day & money shop and they are automated voicemails that keep ringing her workplace

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OK. It sounds like you're ignoring them at the moment - something I wouldn't advise. What can you afford to pay each lender back. i think it should be made clear that when / if we have financial difficulties and not able to repay in full a payment arrangement should be made and not ignored.

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My advice would differ from Jamies. I would say to ignore them till you have something solid in writing, and not just voicemail threats.

 

Get a copy of that letter as well and post it up here. That is a serious breach of OFT guidance and MUST be reported.


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..

 

 

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But they know that they owe them money? Why would you advise tuscan not to pay back what they owe? The first post I ever put on this forum a few years ago the first thing i was told was we don't advise people to ignore their debts...

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Im not saying not to pay it. Im saying hold off until they stop breaking regulation and only pay when they come to an agreement.

 

If you start paying while they are breaking regulation, they will keep on doing it as they think it is ok.


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

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I was saying the exact same thing - stop ignoring, put it in writing, offer an amount, wait for an acceptance in writing, wait for their bank details and begin payments...

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