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    • Possibly not...thats for you the claimant to calculate the settlement figure as of that date of payment.
    • Hi hoping someone can help please. My husband sold yesterday his quad bike. It's been laying in the garage for 18 months and due to ill health,  was the main reason for selling.    The quad was put through it's MOT the previous day and passed. I advertised it and it generated a lot of interest. The only problem it had I put in the ad. The speedo was not working.    Viewings were yesterday and the potential buyer wanted to test it. Unfortunately the disc lock was on when he tried to reverse which resulted the disc brake coming off. My husband tried to remedy it but said it may take hour or so. The buyer agreed to come back with the money later which he did with a mechanic.  The problem wasnt sorted and there was a lot of swearing as the buyer wanted it. The mechanic told him to wait to see if could be fixed. They went off and came back within the hour but the job was proving a tough one.  He still wanted the quad and it was agreed we would message once it was sorted.  The weather took a turn for the worst with heavy rain so the job was put on hold til it stopped.    Later that day the buyer messaged to see how things were going. I said he may have to collect today due to the weather. As it turns out the rain stopped and job finished. We had planned to go out but my husband was too tired so i messaged to say it was fixed. He came to collect it with his Dad. It was tested 3 times by himself and his Dad all happy. The paperwork complete and money handed over, although we knocked another £20 off for fuel plus £10 he said he lost somewhere between his pocket and my hand.  It was put in the van I dont think secured hubby said. Less than hour later he messages to say it not working starter motor had gone?   Hubby went through few things but he said still not working but horn and lights were. Was getting a little annoyed as it was working when it left here and he was happy. Hubby suggested charging battery which was new. I asked him to return it but he says he cant until monday as he has no transport.    Today hes messaged. Hes charged battery up and says its just cutting out so hubby is going to look at it now to see whats wrong. 
    • most of the debts appear to be very old and have been sold to DCA's so the OC cant off set them . knightsbridge and their latter co-horts creditfix as well as the PPI reclaimers all stem from the same 'pot' of people and ex-employees etc of one firm or another and were/are only ever out to line their own pockets . we've never seen these force an issue like this to court and I doubt they ever will. it would expose their dirty dealings toward customers too much . terrible set of companies, sadly most of these IVA firms are the same.  
    • Ok that makes sense. I have another query, if the defendant states "we will pay your costs as entitled under the court rules" how does that work? I assume this relates to the interest accrued for the duration of the case. Will the defendant calculate this sum accordingly and include it on top of the full and final settlement of the claim?
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I have a loan with PDE which started at 645 but it now up to 870, I want to reduce how much I owe to them threw negotiating, could anyone give me advice on how to deal with PDE?

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Can you give as much info on your issue as possible. Loan amount, interest, any charges, dates etc. The more info the better.


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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I had a DRO until late last year as I currently have several debts, the debt amount is £863, the original loan amount was £645(500 + 145 interest.) I tried to contact them several times with no reply then when they finally replied they had added more interest. I do not have a breakdown of the loan although I could request this if needed.

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I need help on where to go from here, should I cut my losses and pay back the £869 or?

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Hi,

 

I hope I can offer some constructive advice on this for you.

 

First of all you need to work out how much you can realistically afford to repay if this is your intention. I owed a similar amount to yourself and wrote (via email) to paydayexpress customer services and collections (email addresses are on the site) advising I was unable to repay the full amount on the due date owing to a change in personal circumstances and that I requested the removal of the CPA from my account.

 

I proposed to repay £100 a month on an outstanding amount of £700.

 

You will have to speak with the advisors at PDE over the phone at the time the date is due for your payment - my advice would be to withdraw all funds you have in the account you intend to make the payments from as they will more than likely attempt to take the payments on your due date.

 

Speak with them - in all honesty if you are reasonable with them and are making a proposal to repay your debt then they will work with you. You can request to have the interest frozen which will generally be met - again if you show integrity.

 

The key part of the advice is to request what they agree with you in writing, whether that be via email or in the post.

 

If you need a copy of the letter to send to them to make the request I can post this in here for you.

 

I know these things can be a massive worry when you've got into a fix but as long as you communicate with them, they will show compassion with your situation. Good luck and please feel free to ask any further questions you may need answers to.

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Very very strange advice there.

 

Never speak to a PDL by phone unless you record the call. Especially with PDE.

 

You write to them with your repayment plan and provide a basic budget summary. If they refuse to accept, then thats their problem. If you have their bank details, set up a standing order and pay them that way. If you don't, and they wont supply them, then you can use the postal order method to FORCE them to accept payment.


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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Very very strange advice there.

 

Never speak to a PDL by phone unless you record the call. Especially with PDE.

 

You write to them with your repayment plan and provide a basic budget summary. If they refuse to accept, then thats their problem. If you have their bank details, set up a standing order and pay them that way. If you don't, and they wont supply them, then you can use the postal order method to FORCE them to accept payment.

 

If you read the top of my response I did advise mailing with what you mention in your post and also to cancel the CPA - not quite sure what you find strange about that advice.

 

I'm drawing on personal and successful experience of working with PDE nothing more - apologies if that appears strange to you :)

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If you read the top of my response I did advise mailing with what you mention in your post and also to cancel the CPA - not quite sure what you find strange about that advice.

 

I'm drawing on personal and successful experience of working with PDE nothing more - apologies if that appears strange to you :)

 

Hi and welcome.

 

Unfortunately we get posts from 'sources' that are not quite right which means when we get a post like yours advocating ringing a company, we get suspicious. This may have worked for you but for the majority of people on here have had bad experiences when calling which is why we advocate 'in writing only' as this covers everyone.

 

Unless you record a call, no one can say what was (or not) said.

 

I know you said email but then you said phone which raised our eyes and ears.


If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Hi and welcome.

 

Unfortunately we get posts from 'sources' that are not quite right which means when we get a post like yours advocating ringing a company, we get suspicious. This may have worked for you but for the majority of people on here have had bad experiences when calling which is why we advocate 'in writing only' as this covers everyone.

 

Unless you record a call, no one can say what was (or not) said.

 

I know you said email but then you said phone which raised our eyes and ears.

 

Thanks for the response and I completely agree with the sentiments that getting everything in writing and indeed putting everything in writing is the way to handle these matters.

 

I must admit I did read quite a lot of the forum posts prior to making my own agreement with PDE and the way I approached it has been slightly different to the advice uniformly given.

 

I should perhaps have added from my own experience that the first couple of times I spoke with PDE I didn't receive a confirmation of the agreement back in writing and then decided to only contact them via email going forwards from that point.

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Everyone has their own way of handling a situation, but you need to remember that CAG is an advice forum. People who dont register can read the advice, and if we give out advice that causes a Creditor or DCA to take legal action, then we need to give advice that helps a person deal with that.

 

Things such as telephoning a creditor when there are no recorded calls or confirmation, and the operator threatening and bullying the debtor into making payments there and then. The operator then takes the payment details and proceeds to strip the persons account. We've seen that hundreds, if not thousands of times. Thats why we always say Standing order and get everything in writing. If they refuse then you know somethings not right.


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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I will admit that in my early days i did used to telephone people but i soon learnt.

Please keep it in writing

Sometimes if important i use signed for and print out copies of signatures. Sometimes just proof of posting and sometimes emails.


Any opinion I give is from personal experience .

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