Help, in a mess with WDA!

[renegadeimp]

Get all transactions cancelled to them. They do and will use cpa if they have your card details.

 

You then need to work out how much you actually owe without all their bogus charges then work out a simple budget summary.

 

You can then offer them a repayment plan in writing and send the summary to prove your circumstances. They will likely decline but we can cross That bridge when we get to it.

 

The main thing is to secure your bank account

[renegadeimp]

You secure it by writing a latter of instruction to them that states you want ALL transactions to them or their named merchants cancelled and any future transactions declined. Should they not follow your instructions you will seek legal advice as well as regulatory advice. Be aware that many banks completely ignore the law and say they will put a note on the account.

 

You dont want that. You want full written confirmation, signed and dated that states that no future transactions to that company or their merchant will happen.

 

With Repayment plans, PDL's are very reluctant to agree to one, and even when they do, they try and charge a bunch of unlawful/unenforceable charges to make even more profit off you. You need to be firm, stand your ground and leave them in no doubt that if they do not agree that you will take it further. Never take the soft approach with PDL's, to them, you are just a number, You need to play hardball with them. Every. Single. Time.

[renegadeimp]

They cannot refuse any payment towards an outstanding debt. So if they refuse to give their bank details and a reference number, youll have to use a postal order and deduct the cost of said postal order and stationary used to send it, from the total debt owed

 

But before we worry about that. Send the offer of repayment and the summary once you have secured your bank account. We can then see what their reply is.

[renegadeimp]

Only deal with things in written format through your letterbox, unless you specifically gave them an email to contact you on.

 

Repayment plans are easily sorted, and if they refuse, then you can force them to accept payment. If they tried to take legal action, it could be seen as vexatious.

[renegadeimp]

If they keep adding interest despite your complaint, then we can take it further.

 

Was your complaint headed as such? if so, they have 56 days to resolve the complaint or you can take further action. Be it regulatory or legal. In my opinion, even though i wish all PDL's would be shut down, you should give them ample time to resolve the complaint and also ensure you follow the regulations/law yourself. Let them make the slip up.

 

Dont make further contact with them yet if the above applies to you. Just make a log of all calls/emails/texts to you to back up your case.

[renegadeimp]

If they ignore you, then make sure you get a formal complaint in. YOU are in charge of repayments if you are in difficulty. NOT them.

[renegadeimp]

Yep to all. Ignore the silly daily interest.