PDE Ignoring Me

[minmac]

I have been sending emails to Payday Express trying to set up a repayment plan for the money I owe them. I cant afford to pay it all in a lump payment so I am hoping to set up a repayment plan, however I asked them in the email to stop all the interest being added before I begin making repayments.

They are ignoring me and not replying to my emails. I still keep receiving 4-5 text messages a day from them saying they have not heard from me. I dont want to phone them as I will then have no proof of what was said in the phone call and also... I dont really want to be rail roaded on the phone agreeing to a payment I cant afford so I would rather do it through email.

But what am I to do if my emails to them go unanswered and interest keeps being added on? I will never manage to get it paid.

 

Thanks for any advice x

[renegadeimp]

Send them a message a day stating the same thing. Ignore their silly automated messages.

 

If you REALLY want to annoy them, use the Postal Order method to FORCE them to accept your repayments.

[toptrapper]

Payday Express don't "do" customer service. They'll continue to bombard you with text messages demanding they call you so they can intimidate you over the phone. don't fall for it. It's entirely your right to deal with these numpties in writing - despite what they might think. The reason they ignore you, is so they can crank up the interest and add more unlawful charges.

 

Send a formal complaint, to customercare@ paydayexpress. co.uk demanding they deal with you only in writing. I've no doubt you'll be ignored, so state you'll approach FOS (with PDE paying the bill) if they don't deal with you fairly. State clearly what you can afford to pay.

[renegadeimp]

Dont send it to customer care. Use royal mail and address it to the compliance officer. They are then forced to take you seriously.

[minmac]

Thank You for the replies.

I have decided to send the email every single day. I have also found some other email address' for them on here that I will send the email to also.

On Monday I will send a postal letter to the postal address for them.

Never heard of a company that doesnt want payment!!!

[fletch70]

When I had problems with Wonga I was sending daily emails in different fonts and colours Looked like one of those threat letters made up of cut outs from a paper

you

[fletch70]

If I am honest I do not see why you should go to the hassle of sending postal orders if they do not give you payment details.

Send a letter by royal mail signed for stating that your offer is x and once you get their bank details you will start making the regular payments Also state that you only wish to be contacted by letter.

If you have a smart phone of any description you shopuld be able to get a call blocker that will stop the calls/texts, even some non smart phones have that option

 

After that wait

 

I did that with PDE , Scotcall then contacted me with a "our client is disappointed you have not talked to them " so I sent a list of emails and letters I had sent. They returned it to PDE, still waiting nearly a year later. If they contact me they will be treated in the same manner as any of my other enforceable creditors (which until I am working isn't much) but when I am working will be a payment plan

[minmac]

lmao... I can imagine someone opening those emails

[renegadeimp]

If I am honest I do not see why you should go to the hassle of sending postal orders if they do not give you payment details.

 

Because it forces them to accept your payment and reduces the debt. It also stops them trying any kind of legal action as the judge would laugh it right out of court.

[fletch70]

Yes it will reduce the debt (assuming they credit the payments to your account) but an unarranged payment plan is no bar to gaining a CCJ. All a CCJ does is confirm that the debt is owed .

 

After my previous post I did a bit of digging because I know that express finance (Bromley) who are PDE used to be The Money shop as well. It seems that TMS now is a separate company with a separate CCL although some of the officers are the same especially the main ones.

 

I do think the best option is to get that written letter headed formal complaint into them. In it include the telephone harassment

http://www.consumeractiongroup.co.uk/forum/showthread.php?387367-Harassment-by-Telephone but add to it that you want to set up an arrangement of £x per month , will they please stop all charges and interest and provide bank details so you can send the payments by direct transfer.

 

By all means send the same letter as an email headed formal complaint and request a read receipt.

 

That is my considered opinion . If they will not accept a payment plan or do not respond within 56 days you then go to the Fos

 

Meanwhile see about blocking calls on your phone

[renegadeimp]

Actually it helps a LOT when in court, as it shows youa re trying to pay off the debt according to your means, and the creditor has brought a claim that should never have gone to court. If a judge can see you are clearly paying and reducing the debt and you are doing it by PO purely because the creditor is refusing other payment methods, then it is very likely he will not order the CCJ, but will order the claimant to accept the debtors preferred method of payment.

 

It isnt the only option, and of course, a court case is never guaranteed, but it is one very viable option to consider.

[fletch70]

Can you provide any substance to this claim as i would be most interested

 

I am not suggesting not paying just insisting on your rights to pay as you see fit.

[renegadeimp]

The substance is we regularly recommend it to PDL debtors that are having major difficulties getting the PDL to accept money ( remember, a creditor in the UK is not allowed to refuse a valid form of payment towards a debt). We ALWAYS advise that the Postal Order method must only be used after all other attempts and avenues of payment have been exhausted.

[fletch70]

Sorry I didn't know this was official Cag policy or that you were site team.

 

So in essence you are saying that you have no proof that your method is the best or indeed the only way. Also no proof that it will stop a CCJ should it get to court.

 

What I was suggesting was using the officially recommended complaints procedure , i.e formal complaint with reasonable request for repayment method followed up by a complaint to the Fos which may (and has for me) resulted in reduced amounts and acceptance of my stance.

 

If you can provide some substance to your statements I am more than happy to stand corrected

[renegadeimp]

No need for personal attacks.

 

The postal order method was first recommended by a site team member but only as a last resort.

 

You also need to understand that the fos dobt always find in favour of the debtor even when its obvious the creditor is in the wrong.

 

That's why it is so important to do everything you can to show willingness to pay. It covers your back.

[fletch70]

It was not a personal attack so I am sorry if you felt it was

All I was trying to show was that there are other perfectly good alternatives and that there is no proof that it will stop any CCJs being awarded

[renegadeimp]

Oh I agree fletch. I was just reasoning about the PO method.