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    • Mother and father worked here and then went to SA in about 1978 returning to UK in about 1996 and worked here until 2016 when her husband died at age 66.  He was still working at the time.  She then went to live with daughter in SA.  Mother only claims for her pension. 
    • Thanks, I owe the money, no issue with that, I will SAR the company.  If I need to just pay it and have the CCJ for a few years so be it.  Just thought I'd explore all options
    • By the way you wrote that post, i can see that you are as confused by the situation as someone reading it. Important advice must be not to pay for any flights etc, until they understand the situation fully. Those that have British passports could be entitled to receive UK benefits. However, nothing is that straightforward. The passport does guarantee anything. The daughter could be entitled to Universal Credit ( which includes housing) as a British passport holder, but this can only be confirmed when she has gone through the Habitual Residency test (HRT). So you will need to read about HRT for British passport holders returning to the UK. There will be requirements to provide information about why they are returning to the UK and what work searches have they done to find work on their return to the UK. In regard to the mother who has a British passport, you will be correct in presuming that no council is going to be helpful in paying for the care home fees immediately on arrival in the UK. When did the mother last live in the UK ? When did the mother last work in the UK ? British embassy in South Africa may be able to provide information and assist with applications ? Just getting on a plane, landing in the UK and expecting help to resolve their situation, would be a silly thing to do. I can see the mother ending up in an NHS hospital for a period, while people wondered how they were going to deal with the situation. Probably not the first to do this, but if the mother also has a South African passport, they could put her on a plane back to SA and then the Daughter would be a difficult situation. Embassy in South Africa must be first place of advice.
    • There are online forums for people moving from South Africa to the UK. This is one of them.   https://moveup.co.za/2019/03/08/how-to-move-to-the-uk-a-step-by-step-guide/   If you want to speak to a social worker you could try the local council.   HB
    • This is not our issue, but an issue with a friend.  Our friend is living in South Africa and now suffers from dementia and is in a home.  The daughter has been paying for the home however the daughter was made redundant and has a child to support.  Daughter's husband keeps kicking her out of the house with the 3 year old boy and daughter had nowhere to go. The mother and daughter both have British passports.  Mother and father(now deceased) are British born, but daughter was born in South Africa.   The 3 year old was born in in South Africa.  Daughter is now broke and cannot keep the mother in a home any longer.  Daughter wants to return to the UK where she did live for several years previously so had NI number etc. however not sure what she can do with her mother.  The other issue is that the father is trying to get custody of the child so another issue. We, on behalf of the daughter who phoned us this morning, want to discuss with a social worker the options if any that may be open as on arrival here the mother will need to go straight into a home.  We can offer the daughter and child temporary accommodation with us.  Who should we contact? A very complicated scenario that normally we would not involved ourselves with as we are in our late sixties, retired and not that much money in the bank. 
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rippedoff15

Motormile Finance UK RE:Mr Lender payday loan.

style="text-align:center;"> Please note that this topic has not had any new posts for the last 736 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

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Thank you

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Hi all. I was due to nake a payment to mr lender in the morning. I have got the cash but can not pay by debt card. They only accept card payments so will add fees if not paid. Just another way in ripping off people. Just need to transfer funds and get rid of them asap

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No they don't! I had a repayment plan setup via bank transfer, i don't have access to the account any more though sorry to give you the details.

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infact found it for you!

 

Payee name MR LENDER

Payee account number2 1 5 3 8 2 8 4

Payee sort code4 0 - 0 6 - 2 3

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Hi all, my paymeny is due today. Explained that i can not repay the toral 390.00, they are now calling my employer 3 times today. Are they correct in calling them daily. Has anybody had dealings with this company. Any help wud be great

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No its sort code 20 95 61 account 23824616 at barcleys bank payed it yesterday .

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Now 5 calls to my employer. I have emailed them had no reply regarding repaymeny plan .

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Hi rippedoff15,

 

They can call your employer but are not allowed to give out any details to them or the fact that you have a loan. Although 5 times a day is near to harrassment.

 

They will setup repayment plans, I have one with them over 12 months.


24/7 Moneybox: 195.00 - Oustanding: 0.00

British Pearl/Spondoolies: 752.10 - Oustanding: 0.00

Cash on go/Peachy: 206.30 - Oustanding: 0.00

EarlyPayday: 325.00 - Oustanding: 0.00

Lending Stream: 1398.46 - Oustanding: 0.00

MicroLend: 780.00 - Oustanding: 0.00

Minicredit: 520.00 - Oustanding: 0.00

MonthEndMoney/PaydayUK: 937.50 - Oustanding: 0.00

MrLender: 715.00 - Oustanding: 0.00

Pounds2Pocket: 2328.00 - Oustanding: 0.00

QuickQuid: 1800.00 - Oustanding: 0.00

SafeLoans: 450.50 - Oustanding: 0.00

Speed-E-Loans: 516.00 - Oustanding: 0.00

SwiftSterling: 1295.00 - Oustanding: 0.00

Toothfairy Finance: 544.00 - Oustanding: 0.00

TxtLoan: 450.00 - Oustanding: 0.00

WageDayAdvance: 670.80 - Oustanding: 0.00

Wonga: 1336.86 - Oustanding: 0.00

Total: 15220.52 - Oustanding: 0.00

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Well, had 5 calls at home today during every call i repeated that i need to arrange repayment plan, but they refuse and they stated they will continue to call my home and work unless i give debt card Blackmail. When they call my employer they state its a personal financail matter and give my employer their office telephone number. I keep emailing but get no reply and today they added £90.00 onto the loan now totalling £380.00, based on a loan of £286.00 from 13/10/12

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Have you tried contacting the association they are linked too or the FOS, it might put some pressure on them for now which will stop the calls. Do you ignore the calls on your mobile, if so, try and answer them that way they'll have no reason to call you at work...

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Have you registered a formal complaint? If not, do it immediately in writing, not over the phone.

Mr Lender aren't the most competent company in recording calls or the easiest to deal with. Calling it work is bang out of order moreso 5 times in one day and especially if they say it's a "personal financial matter". Did you get the name of any individual and the times of the calls they made? You can submit a formal complaint to the OFT immediately, e-mail them on [email protected].

Use this letter template to help you -

Re: Harassment by telephone

 

 

ACCOUNT NUMBER: XXXXXXX

 

Dear Sirs

 

I am writing in relation to the quantity and frequency of telephone calls that I have received from your company, which I deem to be personally harassing.

 

I have verbally requested that these stop, but I am still receiving calls. (Delete if necessary)

 

I now require all further correspondence from your company to be made in writing only.

 

I am of the view that your continued harassment of me by telephone puts you in breach of Section 40 of the Administration of Justice Act 1970, and the Protection from Harassment Act 1997.

 

If you continue to harass me by telephone, you will also be in breach of the Communications Act (2003) s.127 and I will report you to OFCOM, Trading Standards and The Office of Fair Trading, meaning that you will be liable to a substantial fine.

 

Be advised that any further telephone callslink3.gif from your company will be recorded. (**Even if you don‘t yet have recording equipment!!**)

 

 

Yours faithfully,

 

 

 

[NAME HERE] -

OFT commented a couple of weeks back through their report on payday lenders (OFT 1446) that -

4.38 Issues highlighted in complaints included aggressive debt collection practices, such as threats to coerce payment and excessive collection charges, persistent and excessive telephone calls, including calling consumers at their place of work, refusal to accept offered repayment plans, refusing to deal with debt advisors and alleged misuse of continuous payment authority. We have also seen evidence of firms using misleading or deceptive practices in order to recover debts.

Don't be bullied by these people, get your complaints off.

 

 

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Well just got a reply from my repayment request :

 

 

I apologise for the late reply.

 

Unfortunately we cannot accept that payment plan on your terms. I am more than happy set you up on payment plan however first we require a minimum payment of £90.00.

 

This will freeze your interest and allow you to pay your loan is monthly instalments.

 

At current you have incurred £20 of late fees and are set to incur a further £20 tomorrow.

 

Please contact me urgently to make this payment as soon as possible.

 

 

Kind Regards

 

David C

 

 

So they want me to pay £90.00 so they will arange the repayment plan and until then the will charge £20.00 fee every day, has anyone else set up a repayment plan seems steep charging £90.00 robbing gets

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Well i have emailed Mr Lender asking them to stop telephoning my employer and my mobile, lets see if they stop. i have also emailed the OFT regarding tis company as well.

 

Its maddness taking out the loan but had no option. but now happy to clear the debt but no way iam paying all the fees, from a loan of £286.00 they are asking over £400.00 now and its getting bigger everyday.

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Rippedoff15,

 

I'm slightly surprised and more than interested that (maybe I've read this wrong) but Mr Lender are trying to charge you £90.00 for a repayment agreement? If so, have you contacted the OFT re their charges? Just because they're stipulated in their &C's does not mean they're fair an reasonable? Likewise, what are they charging you £20.00 per day for??!?!

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Todays email from Mr Lender, but they still refuse to give their bank details so payments can be sent.

 

PDL Finance Limited trading as Mr Lender

 

Address: Suite 105W, Sterling House, Loughton, Essex, IG10 3TS

 

Telephone: 0208-532-5024

 

Date of notice: As per this email.

 

 

 

Credit Agreement reference number: ML

 

This notice is being given to you as required by the Consumer Credit Act 1974 because we have charged you the following default sums under your agreement with us.

 

Description of charge, Amount

 

Late Fee, £20

Letter Fee, £20

Collection Fee, £20

 

Total: £60

 

Please contact us on 0208-532-5024 in order to discuss the state of your agreement.

 

This Notice does not take account of default sums which we have already told you about in another default sum notice, whether or not those sums remain unpaid.

 

Interest

 

We are not entitled to charge you interest on the default sums for the first 28 days after we have given you this notice. However if the sum is not paid in full by that date interest will be charged at the rate of 30% per month.

 

Becky

Head of Collections

PDL Finance Limited trading as Mr Lender

 

i have reported them to OFT just waiting

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Hi,

 

I assume the 90 GBP they are trying to charge are for a 'roll over' before setting up a repayment plan. They tried this with me to state I have to roll-over three times before they can set up a repayment plan. This is obviously against OFT guidelines. I would write them again stating that you are unable to roll over due to financial difficulties and that you are aware of the OFT guidelines and your rights and offer them again a repayment plan over 12 months for the original loan amount plus 1 month interest. Also state that you are refusing the default charges as you have informed them before default about your situation.


24/7 Moneybox: 195.00 - Oustanding: 0.00

British Pearl/Spondoolies: 752.10 - Oustanding: 0.00

Cash on go/Peachy: 206.30 - Oustanding: 0.00

EarlyPayday: 325.00 - Oustanding: 0.00

Lending Stream: 1398.46 - Oustanding: 0.00

MicroLend: 780.00 - Oustanding: 0.00

Minicredit: 520.00 - Oustanding: 0.00

MonthEndMoney/PaydayUK: 937.50 - Oustanding: 0.00

MrLender: 715.00 - Oustanding: 0.00

Pounds2Pocket: 2328.00 - Oustanding: 0.00

QuickQuid: 1800.00 - Oustanding: 0.00

SafeLoans: 450.50 - Oustanding: 0.00

Speed-E-Loans: 516.00 - Oustanding: 0.00

SwiftSterling: 1295.00 - Oustanding: 0.00

Toothfairy Finance: 544.00 - Oustanding: 0.00

TxtLoan: 450.00 - Oustanding: 0.00

WageDayAdvance: 670.80 - Oustanding: 0.00

Wonga: 1336.86 - Oustanding: 0.00

Total: 15220.52 - Oustanding: 0.00

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I will be emailing them in the morning again, i will be tricking to my guns regarding the fees, i hope they accept my plan and they give their account details so i can set up a standinf order, theirs no way iam paying by debt card or by Ukash. fingers crossed.

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They have told me the 90.00 will be taken off the debt, however they have added 60.00 default fee. Going to send the 90.00 this friday and request plan over 12 months. The loan of 286.50 is now iver 600.00 evil crooks

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£60.00 default fee? I'd ask how this fee is justified compared to the actual work involved. Just because they can claim their T&C's state this fee is allowable, this does not necessarily mean it's fair.

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Just had an email from mr lender. Stating my loan of 286.50 now stands at 567.0, they will freeze the account if i set up a replan based on 3 or 6 months. Even at 6 month wud be 94.50 which is to much. I have asked for 12month but had no joy. They state i only have 7 days to agree ?????

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Get a breakdown of the balance. Ask them how they feel the increased charges are fair (ignore their response that it;s in their terms and conditions). Are they bullying you into accepting a repayment plan? Out of order, totally. Have you complained to FOS and OFT?

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I have sent a letter and email to the oft, will be forwarding the threat email. Offered to repay loan plus months interest. They refused they also state they have informed the credit ref and marked my file with default.

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Hi, rippedoff I too am having the same fun as you. I am 2 days overdue and have incurred a £20 charge on my account they graciously offered to waive it if I paid today.

I have taken the bull by the horns and from the start offered a repayment plan and a token payment this month of £20 I firstly did this on the phone after making the lady aware I was recording, she took the same line as you have had in regards to pay the roll over fee. I then requested an email address to continue negotiations as I am not in the position to pay £90 for the privilege (customer.services AT mrlender.co.uk) after bidding farewell to the attempted bullying on the phone having explained to her I am aware of my rights e.t.c to which she smartly replied something about how she can quote oft fsa blah blah and they aren't in breach.

 

After about 5 hours I had heard nothing (impatient I know) I emailed the same email to the collections AT mrlender.co.uk they email you letting you know you've defaulted and was within 30minute replied too, so far 3 emails each way saying that I propose this and them saying no deal pay us £90. I even tried to appeal to the guys intelligent side by suggesting we can avoid the well documented sending and receiving of pointless emails and just come to my more than fair proposal... no deal.

 

I was keen to nip their phone harassment in the bud and told them not to ring me at work and the number they have hasn't been rung as far as I know (would have been told I hope).

 

This post is getting long I will cut n paste the email exchange in a following post, not sure you'll find it useful but it is interesting to share and compare, also anybody out there want to chip in its always appreciated.

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email 1:

 

Hello,

 

This is in reference to my loan account which is now overdue in the name if ****** and I am wishing to set up a repayment plan. I have spoken to a customer service representative that was whilst helpful threatened me with further fines being made to account.

 

I am currently with out a debit card and am unable to make a card payment I am also not able to make a bank transfer today. I do however wish to agree to a plan with yourselves and am prepared to make a token payment this month as I am not in a position to pay any more until the end of January.

 

My proposal is to pay £20 to you by Friday via bank transfer. And then a further £78 at the start of February recurring for 5 months until the sum of £410 is paid. This is my total balance as it stands including £20 default for this months failed payment.

 

By doing this I am acknowledging my debt to you and am attempting to honor it.

 

I would also request that you only contact me via email in regards to this matter and should you need to phone me I only wish you to contact me on my mobile phone number ******.

 

I expressly state this I do not wish to contact my employer or any other phone numbers with which you hold in regards to me.

 

I hope you find this satisfactory and your prompt response would be much appreciated.

 

Regards,

 

******

Reply 1:

 

Dear *****,

 

Thank you for your email.

 

Just to confirm you were due to make an interest payment of £90.00 on the 31/12/12 which has not been received.

 

Your account has now entered defaults status and you are incurring additional late fee charges due to non payment.

 

To setup a repayment plan with us you will need to pay the £90.00 interest that was due on 31/12/12.

 

Please note we are unable to accept part payment, should you fail to pay the full interest of £90.00 due your account will remain in collections where you will continue to incur charges.

 

Should you have any further queries please do not hesitate to contact us.

 

Kind Regards,

 

My Email 2:

 

Hi,

 

Firstly thank you for your prompt response, but I simply am not in a position to make a payment as I have explained on the phone and in my email. I am also well aware of my rights regarding fair treatment and what the oft deem reasonable. I am being more than reasonable in my offer to you. I am accepting the £20 charge to my account I am also including said roll over payment.

 

It is not the case that I need to make the roll over payment before you will talk to me regarding a payment plan. I have researched this deeply and whilst I am prepared to go down the long and arduous route of sending emails back and fourth in dispute of this and that, the end result will only be more work for you and I both.

 

Again my proposal is this:

a £20 token payment and then I wish to set up a standing order of £78 for 5 months.

Making £410.

 

A £20 default fee

The £300 loan

And the £90 rollover fee due for this month.

 

As I have stated I am receiving a new card and expressly deny you the right to try and take any money from my account this is needed for more pressing debts like council tax and any attempt by any means would be unlawful.

 

I have also requested that I only be contacted via email and the phone number ****** if entirely necessary. I do not wish there to be any breach of this and can you please confirm that this will be noted on my account whilst we deal with this issue.

 

Thanks,

 

Reply 2:

 

Dear ******,

 

Thank you for your email,

 

Just to confirm we are unable to accpet your proposal, as you have defaulted on your outstanding loan.

 

Please note to setup any repayment plan agreement we would need to received the outstanding interest due of £90.00 on your account.

 

Should you fail to repay the outstanding interest, your account will remain with our collection department were you will contiune to incurr missed interest and late fee charges.

 

Should you have any further queries please do not hesitate to contact us.

 

Kind Regards,

 

My final email of the day after 5.30 so didn't expect a response will be pursuing tomorrow/ today (3rd of jan):

 

Dear,

 

As I have stated I cannot afford to pay you £90 for the privilege of setting up a repayment plan further to this why would I pay you £90 without the knowledge that a payment plan is in place, should you be willing to negotiate a payment plan then the circumstances are different.

 

You are breaking many oft regulations by insisting I pay the rollover sum and if I have to escalate this then I will.

 

AGAIN. CAN YOU PLEASE CONFIRM THAT YOU WILL NOT BE ATTEMPTING TO CONTACT ME BY ANY OTHER MEANS (WORK NUMBER HOME NUMBET E.T.C) OTHER THAN THIS EMAIL AND IF ENTIRELY NECESSARY MY MOBILE PHONE NUMBER THAT YOU HOLD. FAILURE TO ADHERE TO THIS IS IN CONTRAVENTION OF SECTION 40 OF THE ADMINISTRATION OF JUSTICE ACT 1970 AND THE PROTECTION FROM HARASSMENT ACT 1997.

 

regards,

 

--- I should also add that on the second of his replies it had a generic signature attached giving me this guys direct line to his office, I didn't include this in the post as I would feel a tad hypocritical posting the guys work details on a public forum when I'm demanding he doesn't use mine. Still it appears to have been a slip as the first reply didn't have it. Nonetheless at least I can plague him with phone calls letting him know his reply to my email is overdue.

 

any advice always welcome

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Have you lodged an official complaint with Mr Lender? If so, have they acknowledged? If not, (and in my experience, they're slow to respond) send a complaint to FOS. It's not the quickest service but I've found them fair.

 

What reason did they give for you refusing your offer?

 

Have a read of this website = http://www.stepchange.org/Infographics/Prioritydebts.aspx Just because they're demanding monies from you, does not mean they're entitled to have it before you have to pay priority debts. Have you tried giving them a clall? There's a great statement of -

 

"It’s important to understand which bills to pay first, especially if you’re in debt. While unsecured credit lenders, like payday loans lenders, may shout loudest, secured debts and tax bills should be paid first. These ensure you continue to have a home and heating.

Not paying priority debts or priority bills can lead to serious consequences for you and your family, as shown in the infographic. If you’re having problems paying priority bills or debts we can help with expert debt advice"

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Painful,

Can you start a new thread? WIll probably be easier to respond than hijacking Rippedoff?

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