Helping top sortout my pay day loans - please, getting desperate

[asdanemma]

HI

 

 

Please help,

 

 

i am really trying hard to get all sorted.

 

 

on Callcredit my creit report there are a few payday lenders missing.

 

 

I understand that one or 2 have closed business so this is what i have left on my report

 

 

ONESYS FINANCIAL original amount borrowed £413 in May 2013.

i was paying monthly by step chnage but the Amount went as high as £969 in May 2013 and dropped back down to £731.

i have paid a total back of £299 but they reckon i still owe them £731.

What do i do???

 

 

LENDING STREAM LTD £300 originally borrowed. They say it is £409.

I have paid back £135 so far through step change but they want a further £558

 

 

MR LENDER £300 original, paid £45 through Step change and

also then another £15.00 to stop them sending to motormile.

They have sent to motormile who want £660 and are bullying me

 

 

ACTIVE SECURITIES LTD originally 247 money box £100 original loan, now at 212.

have paid £46 , marked as up to date on credit file but i just want to clear

 

 

,CASH ON GO LTD think was peachy loans £100.

Paid £50 but they are after another £134 according to my credit report

 

 

ADEPT CREDIT SOLUTIONS originaly Next Credit £250.00 original amount.

Paid £70 but they are after £852.

 

 

CAPITAL FINANCE ONE CFO £195.00 - CREDIT REPORT SAYS £1861.

I called a few weeks back about this and the guy says i borrowed £400.

Not happy about this

 

 

These are Missing from my credit report

 

 

1ST STOP PAYDAY LOAN £225 original amount. Paid £76.00

Threatening to take me to court for a further £486

 

 

LIQUID ADVANCE £200 original amount - paid £45

 

 

MYJAR think was Text loan £180.00

 

 

SAFELOANS LTD think money in advance £180.00

 

 

ACCESS FAST MONEY possibly 247 money box 651658 £105.00

 

 

these are missing from my report and

i have not heard anything

 

 

i have ordered an experian report today,

 

 

could the missing ones be on there??

 

 

Please advise,

 

 

i have sent SAR's to my bigger older debts

but cant afford to send one each to these muppets

[asdanemma]

anyone, please

[renegadeimp]

Have a readt of the payday loans forum. Youll find good info there. Also check the sticky about the govan law centres guide.

[SabreSheep]

Moring, dont panic people are at work still sleeping etc.

 

Best bet is to start a thread for each of these. with the following information

 

LENDER

WHEN debt was taken out

Date of DEFAUKT

Who OWNS DEBT

Any CCJ or court action?

Amount

 

This will take some time to grasp but is achievable.

 

Basically you will be aiming to get the information you need ot decide who u keep paying and what and managing this yourself with free support form people here and dropping stepchange. You may find you can wipe some of these balances and also do reclaims on some of the charges and fees levelled on those balances!!!

 

In meantime do some reading around CCA requests and Subject Access Requests. First stage is going ot be information gathering.

[asdanemma]

Result - another lender paid off. Thats 3 down in three weeks with only one being awkward.

[citizenB]

Capital Finance have referred themselves to the Financial Conduct Authority in the wake of the Wonga fiasco - we are hoping that the same will happen in that they will be told to write off arrears due to the Lending Criteria.

 

It seems to me that you had several PDLs at one time and had proper credit checks been done, then no responsible Lender would have / should have loaned to you.

 

I am not sure why there are some accounts missing from your credit files - although it seems to me that a lot of the PDLs don't report.

[asdanemma]

Thanks, shall I stop paying. Also, CFO lending kept giving me more money. Is They're a template I can send

[citizenB]

Hmm, I don't think you should cease payment. Are all these accounts being paid via a Debt management plan or are you dealing directly with the company ?

 

Do you have arrears on all the accounts ?

 

If you are seriously struggling, then you could perhaps offer them all a token payment of £1.00 but you will most likely have to support the request for token payments with an Income and Expenditure sheet.

[asdanemma]

i was paying through step change now i have taken control back i was cash cowed so cca sent to all of my lenders. I have now managed to clear 3 payday lenders i just paid back original amount borrowed and 1 months interest only. Thanks

[citizenB]

[asdanemma]

Just cleared my fourth PD loan for original amount plus 1 month interest.Still getting grief from onesys and 1st stop though

[renegadeimp]

Then put in a full complaint to them and the FCA. If they continue to harass, then consider legal action against them. Such as in Harrison v Link.