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I stupidly took a loan out with these in September to help pay with an unexpected bill i thought it would be ok as i was due a cheque in the post which annoyingly bounced therefore i am now stuck.

 

I borrowed £150 off them and am currently out of work so after finding out the cheque bounced i tried to set up the minimum on a payment plan with them but they are not having any of it, they now have added over £150 of charges on to the account and keep telling me i have to prove to them i am out of work etc i have no proof but they will not take my word for it, I am really annoyed they have decided to double the loan and won't remove the interest added or charges

 

Today i received a letter from them stating if i dont settle the debt it will be sold to a DCA who will add £25 and if i fail to contact them a further £25 to be added.

 

All i want is a payment plan set up temporary and the interest and charges removing so i can orginally pay back what i owe they also bombard me with emails and telephone calls this can range from 9am to 8pm at night

 

any advice please

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Blooming crooks!

 

When they ring, laugh and hang up, continue this each & every time they harass you.

Keep a diary of events, esp with regard to their telephone harassment, with a view of

taking legal action against them for the criminal offence of harassment.

 

Send them this http://www.consumeractiongroup.co.uk/forum/showthread.php?387367-Harassment-by-Telephone

Obtain 'proof of posting' which is free from the PO counter when you send it.

 

This letter is asking them to accept a payment plan, although it says £1, you can of course edit this and enter any figure that YOU will be able to maintain, and one that is realistic and comfortable to you in your circumstances.

http://www.consumeractiongroup.co.uk/forum/showthread.php?387358-Request-to-make-%A31-token-payments-for-X-Months

 

Let them give it to a tame powerless DCA, they are hilarious to deal with!


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Interesting Information Thanks for Your Time :)

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Your welcome, just try and remember that YOU are in control not them.


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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All those charges are unenforceable, so ignore them. Thats why they pass it on to a silly SCA and not do anything themselves.


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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