MYJAR/txtloan/CRS

[baggybreeches]

Hi, I have been very grateful for the advice of the CAGers on this forum, and I wonder if I can ask once more for some advice. Having gone from having 14 outstanding payday loans I am now down to a final 4:smile: ( I pick a lender to deal with each month and then devote my efforts to negotiating with them until we agree a full & final settlement.

I am really struggling with CRS who have taken over as DCA for MYJAR(formerly txtloan), originally I was dealing with Mackenzie Hall who agreed to my repayment offer of £1 per month (after mediation with my mortgage company & help from National Debtline). I wrote to MH back in May asking for a statement of my account and they emailed me back with some nonsense about them being unable to produce a statement, so I left it and went on payng £1 per month. In August I was contacted by CRS who sai they have taken over from MH. I have repeatedly emailed and asked for a statement and a copy of the original agreement and they still haven't responded or acknowledged my request. The original request I sent was on 11 Sept, it was sent again on 15th Sept, then I chased on Oct 2nd, when I recieved a reply saying they had asked for a statement that would be forwarded once they recieved it. I have still not got a statement and they have taken to ringing me daily even though I have told them via email not to contact me until they have my statement.

HELP!!! What can I do and where do I go from here? This is the chosen PDL I want rid of next because they are causing me so much stress.

Can I contact the FOS about them and how long will that take?

[renegadeimp]

Get the myjar one into dispute. You're being passed around as you have been marked as gullible. Proof of that is you paying Mucky hall despite them offering no evidence of the debt. They then sold it to another DCA who is trying their luck.

 

If they are constantly ringing you, send the telephone harassment letter and send by recorded delivery. ALlow 2-3 days for them to recieve it and act on it. IF they still harass you, read up on harrison vs link. ( Make a note of any and ALL dates and times they contact you).

 

 

Before you go to the FOS, you need to exhaust the DCA's complaints procedure. You do this by writing a formal letter of complaint and heading it as such. The DCA then has 8 weeks to sort it out, then you can go to the FOS.

[baggybreeches]

Thanks, do I send the letter to the DCA or to MYJAR?

[renegadeimp]

The current DCA. You could send one to myjar, but from your info they sold it long ago. It's worth a shot. COmplaint to myjar and complaint to the company chasing you.

[baggybreeches]

Hi, my statement and a credit agreement came though the post this morning. When I say 'a credit agreement' I mean not one relating to my outstanding balance!

I signed up with Text Loan, they have sent me a MYJAR agreement with the date & time of signing as 7/6/2011 12.25!!! This is for a loan they issued on 15/3/2012??

The initial loan was £300, £51 interest and the first default charge was £25, they have been charging £3.40 per day until the account was handed over to the first DCA, at which point they added an admin charge of £138.50. Giving an original outstanding balance of £692.50!! I have repaid £217 so far.

Where do I go from here as they obviously haven't got the relevent credit agreement?

Any help much appreciated. (Happy to send copies of the docs if anyone needs them).

[renegadeimp]

I wouldn't reply yet. Let them put their foot in it by claiming they sent the correct one when it's obvious they haven't.

[baggybreeches]

Any idea what their next move will be? I really wanted to resolve this asap

[renegadeimp]

Don't fall into their trap. A dcas are not bailiffs and have pretty much no rights.

 

Their next move will be another threatogram. Then you can send a cca request