14 debts - mostly PDL's

[Braveheart155]

It was about the Peachy. I took out loan from them back in the 2011 £100 pound they added charges £250 for reminder 1.2.3.4.5.6.7.... letters which i dont received.I am trying to them remove these charges and would like to come to an amicable arrangement directly with them. I offered them £10 a month tatal £150 plus they already got from my dmp £40 and now am currently paying atm £2 pound via Payplan.

[SabreSheep]

Can you copy and paste your complaint (With personal details removed) so we ensure you have complained down the right path

[SabreSheep]

The reason being is to go to the FOS you need to have complained about the problem specifically to the lender. If you complained along the wrong track you would need to complain again in the correct way in order for the fos to investigate.

[Braveheart155]

Here is the email conversation between me and Peachy.

 

Your outstanding balance as of today, 21.11.2014, is £353.85. No

charges have been applied to the account since 11/01/2012 when we have

accepted payments from your Debt Management Agency. Towards the loan

we have received payments in the amount £39.99.

 

my reply

Hi there thank you for your reply. My current circumstances are that i am receiving £61.50 pw Carer Allowance as my husband has Multiple Sclerosis and i am her carer and she is unwilling to pay my debts for me which has put our marriage under tremendous stress and having MS this is not asllowed for her health. My marriage is really on the rocks at the moment also my wifes health is suffering because of this so i want to get this finalised one way or the other.

 

I can see below your email for 1st 2nd 3rd 4th 5th 6th.. letter charges i have checked my records and i cannot see anything regarding these letters, I would like to come to an amicable arrangement directly with yourselves and again due to my financial hardship my latest offer is £150 payable on a monthly basis £10. Can you please review and get back to me.

 

Their reply

Thank you for the e-mail.

 

Our Credit Committee has reviewed your case and unfortunately we are

not able to accept your offer.

 

Please be advised that you took out the loan in 2011 and so far have

paid a total of £39.99.

 

However our Credit Committee is willing to reduce the balance to £200

in case you wish to make payments directly to us and arrange a

repayment plan for 12 months.

 

That would mean that the payments must be at least £17.00 every month.

 

My reply

As i said previosly my only income is £61.50 per week. I am not goin that far but first in the point you should not let me taken that loan, i really dont know did you done to proper affordibility check as well. My latest offer is the same £10 pound a monthly basis total £150 pound plus you already got via payplan £39.99 so total for £189.99 for £100 poun loan that is the my final offer. If you agree can you please get back to me and i can setup standing order.

 

and #22 their final response.

[SabreSheep]

OK you have not complained in the manner go get anywhere in reference to getting the charges refunded.

 

No more email (and no phonecall either)

 

You want to do a letter to their registered address, get proof of postage.

 

Check the templates on this forum. Now you know what charges were levelle don that account you want to claim them back. ( I would laos charge them interest in restitution as well but that would require a small claims case)

 

Once they refute your letter, you repeat with the title LETTER BEFORE ACTION. Once that expires you then go FOS or Small Claims.

 

Also you TELL them what you can afford. If its £1 a month after completing an I+E then thats all you give them!

 

Others should be around ot help you in more detail.

[renegadeimp]

You also recieved their standard fob off letter. They do not get to decide what repayments you make. YOUR financial circumstances dictate what you repay.

[Braveheart155]

Hi Again

I woud like complaint about aka textloan now is myjar.The problem is nearly 14 months i got them loan rolledd over and paid it last one is outstanding. My question is how can get the information of the total number of loans during the 14 months period? (I contacted with myjar they only sent to me my last outstanding CCA)

Thanks in advance.

[renegadeimp]

You need to request/demand a full and complete itemised breakdown of the alleged amount that is owed. If they refuse, then youll have to SAR them, which costs £10.

[Braveheart155]

You need to request/demand a full and complete itemised breakdown of the alleged amount that is owed. If they refuse, then youll have to SAR them, which costs £10.

 

Thank you Renegadeimp i will send them SAR.

[renegadeimp]

Ask them for the breakdown first. Never, know, they might comply and it will save you a tenner.

[Braveheart155]

Thanks renegadeimp.

[Braveheart155]

Hi Again

I ve naticed my halifax bank account defaulted in 2012 and debt was sold to a DCA and now another default from the DCA so basically 1 debt 2 default is this normal?

Thanks in advance.

[dx100uk]

as long as they don't change the defaulted date in the original creditors listing.

 

 

dx

[Braveheart155]

Thank you for your reply DX. Yes both are the same date.

[Braveheart155]

Hi

Firstly I would like to say special thanks to this forum and the users. Finally I have finished my reclaim from 14 debtor mostly PDL. Please if anyone find themselves in the past payday loans debt circle read this forum and claim it back. Its maybe taking a long time but its really worth in the end.Below is my story.

[Braveheart155]

1- 24/7 Moneybox original loan was £ 180, outstanding balance £212 according to PP I sent them email requesting breakdown of debt still waiting for a reply. Nothing about this debt in my credit file. (Payment up to date £79) While i owe them they lent me 2 times money i know it was my fault but

 

I followed their complaint procedure they did not uphold my complaint so I went to FOS and they upheld my complaint and the Ombudsman decision was refund after third loan. As well as removing the credit file entry

 

2-Cabot Financial(was Provident) original loan 3 different aggrement total £4000, outstanding balance £3560 i belive there is no unlawful charges added as they sent to me statement. (Payment up to date £402).

 

I followed their complaint procedure (Provident) they didnt reply even so went to FOS and they upheld my complaint and and the Ombudsman decision was purchase back third loan make reasonable arrangement to repay and remove charge and remove the entry on my credit file.

 

3-Peachy original loan was £ 100 outstanding balance according to them £ 355 but the thing is tho my credit file shows default £115 pound but its not showing monthly payments made like Quid24 or others. (Payment up to date £41)

 

Same is above number 1.

 

4-Textloan now with (Fredrickson International Ltd) original loan was £200, outstanding balance according to PP £385 nothing about this debt in my credit file. (Payment up to date £46)

 

I followed their complaint procedure(My Jar) and they upheld my complaint almost refunded all charges (nearly 20 seperate loan) and removed the entry from my credit file.

 

5-Balanceloan,Helploan now with (Intrum Justitia Ltd.) original loan was £100, outstanding balance according to PP £316 nothing about this debt in my credit file. (Payment up to date £112)

 

I sent them email about statement since January 2015 no reply. Idont think they around any more.

 

6-Quickquid now with (MMF Finance limited) original loan was £500, outstanding balance according to PP £460 default on my credit file. (Payment up to date £188)

 

Same is above number 1.

 

7-PaydayUK original loan was £270, outstanding balance according to PP £360 on my credit file £339. (Payment up to date £127)

 

I followed their complaint procedure they offered to write off the balance then I stupidly accept it. Because I could have refund from third loan as well as remove the entry from my credit file. So if anyone complaint about Payday UK do not accept their offer as you can take it to the FOS.

 

8-Lloyds overdraft now with (Moorcroft Group Plc) original overdraft was £400, outstanding balance according to PP £900 on credit file £905. (Payment up to date £100)

 

I followed their complaint procedure and i sent them a letter asking them to remove the unautorized overdraft charges etc. They upheld my complain and remove that amount from my outstanding balance.

 

9-Halifax overdraft now with (Aktiv Capital) original overdraft cant remember, outstanding balance according to PP £550 on creit file £550. (Payment up to date £120)

 

Same is above number 8.

 

10-Pounds Till Payday original loan was £240 i received statement of account from them Loan Amount £240.00,Broker Fee £66.43,Interest Fee £ 5.52,Late Payment Fee £ 59.00 and Payment amount to date: £109.28 nothing in credit file.

 

I sent them a email about my statement in January 2015 still no reply and no contact with myself.

 

11-321cash.co.uk now with (SLL Capital) original loan was £200, debt sold months ago so they claim £880 and my credit file shows £1300. (Payment up to date £96)

 

I wrote a letter Sll capital they removed the charges and I am paying only the capital sum.

 

12-Santander overdraft now with (Wescot Credit Services) original overdraft i cant remember, outstanding balance according to PP £610. (Payment up to date £65)

 

Same is above number 8.

 

13-primepayday.co.uk now with Tower Credit original loan was £150, outstanding balance according to PP £270 nothing on my creit file. (Payment up to date £34)

 

Same is above number 10.

 

14-quid24.com original loan was £100 pound, outstanding balance according to PP £335. (Payment up to date £40)

 

I paid them only capital sum they dont trade anymore and no info on my credit file.

 

And lastly Paydayexpress I used 2010 and 2013 paid in full. I followed their complaint procedure they didnt upheld my complaint but offered only last loan interest obviously I refused so went to FOS. They did uphold my complaint in final decision they have to refund all charges all loans plus 8% interest as well as removing all data from my credit file.

 

Thanks again CAG.

[caro]

1- 24/7 Moneybox original loan was £ 180, outstanding balance £212 according to PP I sent them email requesting breakdown of debt still waiting for a reply. Nothing about this debt in my credit file. (Payment up to date £79) While i owe them they lent me 2 times money i know it was my fault but

 

I followed their complaint procedure they did not uphold my complaint so I went to FOS and they upheld my complaint and the Ombudsman decision was refund after third loan. As well as removing the credit file entry

 

2-Cabot Financial(was Provident) original loan 3 different aggrement total £4000, outstanding balance £3560 i belive there is no unlawful charges added as they sent to me statement. (Payment up to date £402).

 

I followed their complaint procedure (Provident) they didnt reply even so went to FOS and they upheld my complaint and and the Ombudsman decision was purchase back third loan make reasonable arrangement to repay and remove charge and remove the entry on my credit file.

 

3-Peachy original loan was £ 100 outstanding balance according to them £ 355 but the thing is tho my credit file shows default £115 pound but its not showing monthly payments made like Quid24 or others. (Payment up to date £41)

 

Same is above number 1.

 

4-Textloan now with (Fredrickson International Ltd) original loan was £200, outstanding balance according to PP £385 nothing about this debt in my credit file. (Payment up to date £46)

 

I followed their complaint procedure(My Jar) and they upheld my complaint almost refunded all charges (nearly 20 seperate loan) and removed the entry from my credit file.

 

5-Balanceloan,Helploan now with (Intrum Justitia Ltd.) original loan was £100, outstanding balance according to PP £316 nothing about this debt in my credit file. (Payment up to date £112)

 

I sent them email about statement since January 2015 no reply. Idont think they around any more.

 

6-Quickquid now with (MMF Finance limited) original loan was £500, outstanding balance according to PP £460 default on my credit file. (Payment up to date £188)

 

Same is above number 1.

 

7-PaydayUK original loan was £270, outstanding balance according to PP £360 on my credit file £339. (Payment up to date £127)

 

I followed their complaint procedure they offered to write off the balance then I stupidly accept it. Because I could have refund from third loan as well as remove the entry from my credit file. So if anyone complaint about Payday UK do not accept their offer as you can take it to the FOS.

 

8-Lloyds overdraft now with (Moorcroft Group Plc) original overdraft was £400, outstanding balance according to PP £900 on credit file £905. (Payment up to date £100)

 

I followed their complaint procedure and i sent them a letter asking them to remove the unautorized overdraft charges etc. They upheld my complain and remove that amount from my outstanding balance.

 

9-Halifax overdraft now with (Aktiv Capital) original overdraft cant remember, outstanding balance according to PP £550 on creit file £550. (Payment up to date £120)

 

Same is above number 8.

 

10-Pounds Till Payday original loan was £240 i received statement of account from them Loan Amount £240.00,Broker Fee £66.43,Interest Fee £ 5.52,Late Payment Fee £ 59.00 and Payment amount to date: £109.28 nothing in credit file.

 

I sent them a email about my statement in January 2015 still no reply and no contact with myself.

 

11-321cash.co.uk now with (SLL Capital) original loan was £200, debt sold months ago so they claim £880 and my credit file shows £1300. (Payment up to date £96)

 

I wrote a letter Sll capital they removed the charges and I am paying only the capital sum.

 

12-Santander overdraft now with (Wescot Credit Services) original overdraft i cant remember, outstanding balance according to PP £610. (Payment up to date £65)

 

Same is above number 8.

 

13-primepayday.co.uk now with Tower Credit original loan was £150, outstanding balance according to PP £270 nothing on my creit file. (Payment up to date £34)

 

Same is above number 10.

 

14-quid24.com original loan was £100 pound, outstanding balance according to PP £335. (Payment up to date £40)

 

I paid them only capital sum they dont trade anymore and no info on my credit file.

 

And lastly Paydayexpress I used 2010 and 2013 paid in full. I followed their complaint procedure they didnt upheld my complaint but offered only last loan interest obviously I refused so went to FOS. They did uphold my complaint in final decision they have to refund all charges all loans plus 8% interest as well as removing all data from my credit file.

 

Thanks again CAG.

 

Wow! You have been busy. Thanks for coming back and letting us know.

[neil6534]

Hi do you have a copy of the statement from FOS re the refund for 247 moneybox as I have a case wirth FOS at the moment for them for a total of 12 loans over 15 months and have requsted that they refund all loans from loan 3 onwards.