Payday loans Bank Details

[chez60]

Hi

 

Has anyone got the Bank details of the following Payday loan please they are willing to share with me ?

 

Mr Lender

 

Peachy

 

Txtloan

 

Minicredit

 

Payday UK

 

Thank you

[PDLVictim]

Hi chez60, Here you go: Mr Lender: Sort code 20-95-61 Account 23824616 Peachy: Sort code 20-03-53 Account 43882942 Txtloan: Sort code 40-21-03 Account 42028948 Minicredit: UKash vouchers only Payday UK: 60-00-01 Account 39524906

[renegadeimp]

Regarding minicredit, get the account put into formal dispute. UKash vouchers are a very very bad idea.

[chez60]

Hi PDL Victim

 

Thank You for this ....... I see you have most of these on your list can I ask how much you offered them as a repayment plan ?

[renegadeimp]

YOU tell them what the repayment plan is going to be. Dont offer then what they want. Repayment plans are always set by YOUR financial circumstances.

[chez60]

have you mini credit e-mail address ?

 

Thank you

[chez60]

Good Morning since I was kindly given the bank details by you I have sent a repayment plan letter to all of those Payday Loan companies which I am waiting on some to get back to me so thank you to those of you who help me with this.

 

But I need some help here I have just received a e-mail from "Peachy" suggesting.............

 

As we value you as a customer and want to help you to avoid overdue

charges we would like to offer you the opportunity to EXTEND your

loan. You are allowed to extend your loan for up to five times. You

may apply for a loan extension through the ‘my account’ area or by

simply sending an SMS saying EXTEND to 67788. The extension will work

as a re-financed loan. It will be for the same period of time as your

initial loan period.

 

Please note that in order to extend the loan you need to pay the

outstanding interest and fees of your current loan.

 

n case you are not able to extend your loan then please note, our

accepted criteria for a repayment plan are as follows:

 

• Significant Loss of income

• Unexpected change in personal circumstance, e.g. Long term sickness

• Severe Disability or illness (including close family members)

• Terminal illness or Mental illness (including close family members)

• Deceased (including close family members)

• Redundancy or Reduced hours (contractual hours reduced by company)

 

All or any of the above may require documented evidence. I.e.:

 

• If you are now unemployed or in receipt of financial support, please

provide proof of unemployment or redundancy. If your contractual hours

have been reduced by your employer, please provide a letter from your

employer on company headed paper to confirm this.

• If your circumstances have changed due to personal illness, please

provide a copy of a doctor’s note or hospital letter.

 

If your financial circumstances have changed we may be prepared to

consider a reasonable and affordable repayment plan.

 

 

But I have already offered the amount I can afford for the next 6 month !!!!!!! Where do I go from here ?

Edited January 30, 2013 by chez60

[renegadeimp]

Get that letter to the OFT. It is NOT allowed. They are basically violating OFT guidance on Debt Collection by telling you to pay or extend the loan when you are already having difficulty paying it.

 

Also, ignore their "criteria". The ONLY criteria that deems a repayment plan necessary is your current financial circumstances. Not random things they decide.

 

They are also NOT entitled to any of those documents at all. They are a very low priority, unsecured lender, no matter what they think they are.

[chez60]

This is what I have just arrived in my email !!

 

Still wont agree with a repayment plan

 

 

Thank you for the e-mail.

 

Accordance with the FSA guidelines we are willing to accept all reasonable offers by debtors to pay by instalments only in case debtors have supplied evidence of inability to pay in full, and accurate income and expenditure information demonstrating the maximum amount they can afford to pay.

 

As stated before, we are willing to offer you a repayment plan if we receive documented evidence of change of your financial circumstances.

 

 

Also, please note that you have electronically signed our Credit Agreement including the following clause:

 

1.7 You agree that at the date of applying for and accepting an

advance from us, you are not:

a) in a Debt Management Plan (or similar scheme) or considering entering a Debt

Management Plan (or similar scheme);

b) in an I.V.A or are considering entering into an I.V.A.;

c) bankrupt or considering filing for bankruptcy;

d) under notice of termination of employment, redundancy or any other

notice which could

affect your employment status;

e) in receipt of Statutory Sick Pay or suffering from any medical

condition which would cause

you to apply for Statutory Sick Pay during the period of the loan;

f) in receipt of any benefits instead of your usual wages, salary or

other income declared to us

in your application.

 

If you have not repaid the full amount of loan including

administrative fees and interest by the 49th day of the loan cycle we

will hand your debt over to our Debt Collection Partner.

 

Please note that we might charge you with other reasonable costs that

have incurred as a result of you missing your payments, such as

reasonable legal costs or the additional costs that would involve

instructing a debt collection agency to recover amounts that are due

from you.

 

Late repayments may affect your credit rating and may result in legal action.

 

We try to collect your outstanding debt on a regular basis.

 

--

Kind regards,

Daniel Erma

Peachy Collections Department

http://www.peachy.co.uk

[email protected]

[PDLVictim]

Hi chez60, As a guidance here are the repayment plan timelines I had with them: Mr Lender: 12 months. Peachy: 12 months. Txtloan: 8 months. Minicredit: Did not agree, payed back in full. Payday UK: 12 months. Regarding Peachy all I sent them was a simple Income/Outgoings overview showing my priority debts and my other PDL debts and basically ending up with an available amount left for Peachy over 12 months.

[chez60]

Hi I really don't know what to do for the best Text Loan has got to me regarding the Repayment Plan and they were really cool ...

 

Nothing from minicredit !

 

Mr Lender is asking me for £150 interested before they do a repayment plan with me ! and I told them I can only afford £50

 

Peachy wants £50 from me first before they decide on a repayment plan I offered them £20

 

Payday uk wants a expenditure list before agreeing a plan

 

 

I really can not believe you have to pay upfront money when you are trying to set a repayment plan with these people ! also while this is going they are adding late payment and interest!!!

 

What do I do ????

[chez60]

Are Mr Lender ALLOWED TO DO THIS ???

 

 

 

In order to set a repayment plan up with Mr lender we the payment of £150 will need to be made 31st January 2013.

 

 

 

Once received we can then put a repayment plan in place for the remaining balance for £50.00 per month.

 

 

 

I have also noted on your account that you wish communication to be through email, please be aware that if payment is not received your account will remain in collections incurring calls and fees.

[renegadeimp]

Nope. Not allowed at all. They are taking the mick and violation OFT guidance on debt collection. Time for you to get a full complaint into those muppets and the OFT.

[chez60]

Hi

 

can you tell how to do a full complaint ? is there a template letter etc ?

 

and thank you so far for your advice

[renegadeimp]

WE dont recommend templates for complaints. You need to list out your grievance, what you want the outcome to be etc. Write it out simply and clearly. Take some time to do a few drafts of the complaint before you send it.

[chez60]

Hi

 

Can any one help me with the e-mail of the main people of Mr Lender and peachy loans please as this is just becoming a joke asking me to pay to go on to a repayment plan.

 

 

Thank You