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HI Guys,

help and advice needed, I had a payday loan with this company, unable to pay in full, emailed them asking for a repayment plan, they have ignored my request, they are saying that I have done a fraudulant application although this is my second loan with this company!!!!!

I am trying to obtain there sort code and account number!!!

Does anyone know how I can get this?????:-x

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I would nt worry too much. They are already in breach of OFT guidance by saying you have committed fraud.

 

Do you have the companies address? if so, i have a little trick you can use, that they will absolutely hate but they cant refuse to accept your money that way. It is a site admins idea, and it has worked for almost everyone advised by it, but to do it, you need to have tried every other method of payment possible.

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

:D

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Yes I have there address, it is very annoying as I am offering to pay £50 per month, but they are not emailing me back at all.

I presume they are trying to scare me with the words "fraud" like loads of people I have had numerous payday loans and most have agreed to re payment plans but not these.

They are also known as NOVA LOANS? I cannot find any bank details for them so what do I do???

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Ok. Try this.

 

Get a postal order for the amount you want to pay. Deduct the cost of the postal order, the fee the post office charges, and the stationary used to send the Postal order to the lender, from the total debt owed.

 

Then send the lender a letter with the postal order, by recorded delivery. Send something along the lines of:

 

 

Formal letter of complaint

Dear idiots,

 

I have tried numerous times to come to an arrangement to repay my loan with you. You have either refused outright or didnt have the common courtesy to reply to any of my contact. Infact, you have directly accused me of a criminal offence. An accusation i am currently taking legal advice on.

 

Due to you refusing my chosen method of payment to you and your inability to provide me any other satisfactory form of payment, i have no choice but to enclose this postal order for payment 1 of my repayment plan that i can afford. Please note that any costs incurred of getting this postal order and sending it to you will be deducted from the total debt owed by me. Under UK law, you are NOT allowed to refuse any payment towards my debt. With this in mind, i require you to deduct the payment from the debt along with the costs that i have incurred of getting and sending the Postal Order to you.

 

Another payment will be made on xx/xx/xxxx by postal order unless you agree to my repayment plan and provide me either a giro slip or your bank details to allow me to forward payment.

 

Should you choose to escalate this loan, and not agree to my chosen repayment plan, any and all correspondence by you will be used as evidence in any further action you or i may take. I will also inform the relevant authority that you have consistantly refused my offers of repayment and left me no choice but to use a postal order.

 

This letter constitutes a formal complaint and a copy of which is being sent to the Oft.

 

Sincerely

 

 

read it carefully and edit to suit. make sure you get a full complaint into the OFT as well. You MUST report them for this.

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

:D

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  • 2 years later...

If they have sent you that Neil, please get the fca onto it asap. That is something they are not allowed to do and they can lose their license over it

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

:D

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If they have sent you that Neil, please get the fca onto it asap. That is something they are not allowed to do and they can lose their license over it

 

have started my own post for this as didnt want to hijack someones elses post.....what should i say?

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