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    • Hi    What I find strange is the Buyer from the start after you explaining pervious issue with RM as you always you UPS insisted it had to be RM.   UPS could have delivered this item next day so why was the Buyer so adamant it had to be RM something just doesn't add up from the Buyer as this person the item was for was going to India the next day and needed the item.   How did the Buyer inform you this item had not been delivered and have you given that evidence to RM?   How did the Buyer pay you for this item? Credit/Debit Card, Bank Transfer, Paypal etc.   Have you researched the property address as its flats to see who owns then whether is leasehold/ private/ council/ housing association? (the reason I ask this if Council or Housing Association due to this being flats most have CCTV around and inside but also door entry which will be logged)   As this is Flats and only if it does have door entry to access the building you could ask RM how there delivery courier was able to access that building. (there will either be a service button which they can press to get access or they have been given a key fob for that entry system to access the building or the entry door has been left open)   You could also ask RM to Clarify that the GPS Location they state that the item was delivered whether this is the RM Delivery Vehicle GPS Location at the property or the exact GPS Location of the exact Delivery Address.? (something tells me it will be the vehicles GPS data)            
    • HI   Thanks for the update.   That is shocking that the Ombudsman has said that the case worker assigned to you will call within 5 working days.   I think you need to point out to then very clearly without them thinking you are being aggressive/angry this is important as you want them on your side the Breaches I mentioned in post#78 especially that A2 have Breached the Ombudsman's letter/contact to either resolve this matter or issue the Deadlock letter and A2 have failed to do this even with you giving them extra time.   Note: if A2 have still have still not dealt with this as per the Ombudsman contact above you make sure when they do contact you that you point this out as per there phone call A2 have had all this extra time (as this adds to the extra time you have given them and makes A2 look bad to the Ombudsman's request)   Make sure and ask them for a copy of that letter they sent to A2 to resolve or issue Deadlock Letter for your records.   As for your evidence try to make sure you can scan all this into PDF Format (if possible) and make it one multiple PDF with all your evidence in it in date format. whether its written (with your proof of posting), email, etc. as this will make is easier for the Ombudsman rather than numerous documents.   You look after yourself and you know where we are if you need any further help just let us know    
    • Hi persha50   Thanks for that update and clarification that the claim is via TDS.   Lets use know how it goes with the TDS claim of deposit return
    • Hi Stu,   I contacted the ombudsman today. My case worker is to call within 5 working days. Will update once this has happened.   Thanks again
    • hey we've all been there ....which is why we help on CAG.  to dispel the utter lies and falsehoods the whole 'debt' industry instils in people.   dx
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Payday express HELP!!!

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I have currently defaulted on payments with payday express. i have them constantly

ringing me texting me sending letters the lot. theyve really gone all out on me.


I did originally set up a payment plan with them but they wanted me to ring them back

within seven days with my bank details to set up the direct debit. i told them i was on my last

bit of credit on my phone and they would have to ring me back when their systems were up and

running. i heard nothing after that however still kept getting daily phone calls from them asking for the

full balance and even have the cheek to deny that i had ever set up the payment plan with them!


due to their constant phone calls, my boss got annoyed with the work phone going for them to contact me

i decided it would be in my own best interests to hand in my notice and i have now switched to income support


i informed this to payday express and they wanted proof of me moving onto benefits. i thought this was a

bit cheeky if you ask me, and from browsing others threads i can see people have been advised to only contact in

writing and not to fill any other their I/E forms out? is this right?


basically im just looking for a template letter to offer them £10 a month and was hoping that i could only pay

what i owe + 1 months interest and i feel thats only what is fair. although the loan was taken out over a repayment

period of 3 months which leaves what i owe them at just over £600 after a £150 loan.


is there any way of getting this cut down? i was considering going for a debt relief plan or something like that

i just want some advice. im fed up and this is really getting me down as this isnt the only payday loan thats seriously

harrasing me.


i feel my only other option is to just take my income support and directly pay a pay day loan one at a time.

(my wonga was only £90, but i have no idea how much interest i have been charged on it) is there any light at the end of the tunnel. is that bad that now i cant even get a sofa out of brighthouse and i have no other way of getting one

unless i save up with what little i have left which will leave me months and months without a sofa. HELP PLEASE!!!!

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The last thing you should be doing is purchasing any item from Brighthouse ?


You can either set up your own DMP or contact one the FREE debt counselling charities such as StepChange or PayPlan.


Why not have a word with National Debtline first to see what your options are :)




or call National Debtline free on 0808 808 4000

Monday – Friday 9am-9pm

Saturday 9.30am-1pm





I believe they are closed to callers until January 2nd, 2014.. but if you have a read of their website, you can visit "moneysteps" for interactive advice.


If you have a look at the CAG library, you will find many template letters that might be of use and there is also the telephone harrassment letter that you can send to the company.


The link to the CAG library is at the top left of the screen, highlighted in Green.

Have we helped you ...?         Please Donate button to the Consumer Action Group


Uploading documents to CAG ** Instructions **


Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first


1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read





2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS


Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.



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I think the main thing to deal with is you felt forced? to give up your job over this and go on benefits. if you are still on benefits, then they get £1 a month. End of discussion.

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


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so had a reply to my email

basically stating they will not accept £5 a week and charges and interest wont be frozen :C


they will only set up a payment plan over the period of 6months then the final balance would be taken from my account.

is this even allowed?!?

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When I get home Ill give you a letter to send them. They are in breach of law and regulation and are now borderline harassment.

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


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Can you post up what you have done so far as well as what they have said. Can you post any letters from them if 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


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the first lot of contact was via phone when i set up the first repayment arrangement however they wanted me to ring back the following week to set it up because their systems were down however i wouldnt get paid until the end of the month (this was middle of november)


first email i got from them was this


Dear Hazel,


Various efforts and reminders to resolve your arrears have failed.


You continue to breach the Terms and Conditions of your Loan Agreement. We have received no communication from you and your account has continued to fall further into arrears.


You may find it easier to manage your account online by using the following link tps://applications.paydayexpress.co.uk/AccountManagement/a/Login


However if there are any changes in your financial circumstances and you prefer to call then please ring us on 0115 908 1162* where one of our advisors will be happy to help.


Please call us on 08:00 – 19:00 Monday to Friday or 09:00-13:00 Saturday to discuss current circumstances and identify various options that may resolve this matter.


If you have already been in contact or have an arrangement agreed, then please ignore this communication.


Best Regards,


Express Finance




most recent email was this this morning

Dear Client,




Your CASHGENIE account is seriously overdue.




We were still unfortunately unable to collect your interest payment today.




We have decided to give you a Christmas special offer.




If you can pay £20.00 between now and the 29th of this month.




We will waive ALL Additional interest and charges and get your account rolled over until your next pay date.




Please note that this will restore your credit file and bring your account out of arrears.




We want to help you get back on track, but in order for us to help you need to complete the below








Please call 01473 297214 ask for myself Daniel C.




(Please complete and return)




Mobile telephone number -

Date you can make payment -


Card number for payment –


Expiry date of card -


Cardholders name –




Here are the details you need to make a payment by Over the counter.


Bank Name: Barclay's

Account Number: 13022625

Sort Code: 20 00 00

Payable to Ariste Holdings Ltd.

Reference: Post code and last name.




















Kindest Regards

Daniel Cunningham

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So you have 2 pdls

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


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Hello Hazell.


Payday Express are a tiresome company to deal with. I'm fairly sure, unless you log a formal complaint, demand that's investigated and responded to; they'll keep giving you the runaround and continue to phone until you escalate to someone in charge. (Think of a trained monkey - you'll get the idea). If they continue to call, don't answer but keep a log of the calls they make.


Some suggestions.


1. Secure your bank account. Cancel all CPA's

2. Send a formal complaint by registered post to Payday Express demanding the communicate solely in writing. (use the template on this site). In this letter, you, tell them what you can afford not what they think. They want you to rollover payments to extend the loan and pay extra. Demand they cease interest and unlawful charges with immediate effect.

3. Prepare to have point 2 ignored - Complaint handling is not something this company undertake competently. They'll continue to harass you by phone so keep a log of the calls. Any evidence that you have for OFT and FOS (see below) relating to them ignoring your attempts to resolve this matter will stand in your favour.

4. Make a complaint to the OFT straight away.

5. Make payments by bank transfer - don't give them any further bank details.

6. 8 weeks after your complaint - you can raise a case with FOS. They're fairly slow but independent and will charge Payday Express £550.00 for the courtesy to investigate their own incompetence.

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