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Flm - behind with payments


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Hi I have ran into trouble with the FLM account.

 

I was wondering if I offer 10 per month

can they still take me to court.

 

My son is guarantor and is also having problems

 

can they take him to court as well.

 

If we pay this 10 per month does it still go on the guarantors credit file.:|:|

 

I have already paid the 500 plus intrest and they are saying I still owe them 500 any guidance on this will help

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moved you to the Payday loan forum

 

have a good read here.

 

they wont do court

no matter what the telephone jockey says.

 

dx

Edited by citizenB

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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Was the loan for £500?

 

If so, and you've already paid £500 plus a month's interest you probably don't need to pay them any more money.

 

Regulation 54 of the Payment Services Regulations 2009 says that charges must be reasonable. Quote this to them:

 

"The payment service provider may only charge the payment service user for the fulfilment of any of its obligations under this Part—

 

(a)in accordance with regulation 66(3), 67(6) or 74(2)(b);

(b)where agreed between the parties; and

©where such charges reasonably correspond to the payment service provider’s actual costs."

 

http://www.legislation.gov.uk/uksi/2009/209/regulation/54/made

 

And then ask them to justify the charges to you. Tell them you dispute the amount owed and expect them to freeze any interest and further charges until such time as they have adequately justified the current debt.

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