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i have taken out numerous loans from sunny over the past 2 years.

in total borrowed £2700 in lots of seperate loans and paid back £3800 all together .

They are now still chasing me for £600 .

 

 

Over the last couple of months i had a £25 payment plan set up with them and paid them

 

 

last month they said i hadnt paid when i had and i had to send them bank statements etc to prove i had .

 

 

i then missed a payment waitng for them to sort it out and

 

 

they then sent me a default notice served under section 87(1) of the consumer credit act 1974 for £600 to be paid in full by 8/4/15.

Any help on what to do would be appreciated,

 

I am also having big problems with mr lender.

I borrowed 750 back in october but ran into financial hardship .

 

 

I offered £25 a month and an in depth i/e form .

They refused .

 

 

in December they sent me a text saying i owe £1700

.My online account balance was a lower amount.

 

 

in january the 2nd the said was to be sold to mmf .

Then on 11th january offerd me a settlement figure of £750

.But when i log in they say the debt is with mmf .

 

 

As of today i have not heard a thing from either mr lender or mmf but want to get this sorted before it escaltes .

Thanks for your advice on therse matters in advance.

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Hi colin1096,

 

I'm writing from Mr Lender and am sorry that you have experienced problems with the service you have received.

 

We would like to resolve these issues for you. Can you please therefore contact our Customer Services team on 020 8532 1969 so we can establish your details and progress matters accordingly.

 

Thank you,

 

Mr Lender

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The Financial Conduct Authority are taking a keen interest in Pay Day Lenders at the present time.

 

From what you say, I rather suspect that you have not been treated in accordance with the guidelines.

 

I don't think they were entitled to demand sight of your bank statements either.

 

If you hover over the highlighted text (consumer credit) in your own post above you will find a link to the latest FCA rules and how you should be treated when you are in financial difficulty.

 

TBH, it is irrelevant if they have sent you a Default notice - your credit files were trashed the minute you entered into the first PDL contract.

 

Can you please let me know the date of the default notice and did you keep the envelope it was sent in ? Was it 1st or 2nd class post.

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Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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thanks citizen b

 

 

the sunny default was dated 10/3/15 and I

dont have the envelope but it wasnt recorded or signed for .

 

 

on it it says The breach above is not capable of being remedied by you

and you are required to pay the sum of £615.89

that being the total amount now owing under this agreement on or before 8/4/15.

 

As for mr lender they sent theirs by email

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Any chance you can scan and upload these letters? Suitably redacted of course.

 

I appreciate the assistance from the new Mr Lender Cust Svcs, good to have you onboard, however, as with all things financial, you should NEVER discuss

this over the phone with them, keep everything in writing ONLY, this way you have a paper trail of evidence as opposed to a ''he said she said'' phone call

which, unless you are able to record both sides of the conversation would not stand up in court.

 

The Sunny missive is presumptuous to say the least, how the hell do they know if you can or can't remedy the breach?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Thank you Bazooka Boo.

 

In this instance we are happy to discuss with colin1096 in writing if this is what he'd prefer.

 

 

First of all we're keen to identify him as a customer so we can get the ball rolling in getting his issue resolved,

which is why I asked he contact our Customer Services team.

 

 

I've briefed the team as to the original post,

so they should be aware if/when colin1096 calls.

We can then take matters forward accordingly.

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i have taken out numerous loans from sunny over the past 2 years. in total borrowed £2700 in lots of seperate loans and paid back £3800 all together . They are now still chasing me for £600 . Over the last couple of months i had a £25 payment plan set up with them and paid them but last month they said i hadnt paid when i had and i had to send them bank statements etc to prove i had . i then missed a payment waitng for them to sort it out and they then sent me a default notice served under section 87(1) of the consumer credit act 1974 for £600 to be paid in full by 8/4/15. Any help on what to do would be appreciated,

 

 

I am also having big problems with mr lender. I borrowed 750 back in october but ran into financial hardship . I offered £25 a month and an in depth i/e form . They refused . then in December they sent me a text saying i owe £1700 .My online account balance was a lower amount. Then in january the 2nd the said was to be sold to mmf . Then on 11th january offerd me a settlement figure of £750 .But when i log in they say the debt is with mmf . As of today i have not heard a thing from either mr lender or mmf but want to get this sorted before it escaltes .

Thanks for your advice on therse matters in advance.

 

If you get incontact directly with them please let us know how it goes.

Many of these companies tend to use heavy-handed tactics and demanding sight of statements is really going too far

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Mr lender sent me a notice of assignment in january and then in february offered a huge repayment plan for the whole £1700 in february .

 

i wont be contacting by phone . in december i was emailed by them saying this is there final response on the matter

 

how do i make the images clearer

 

there is 2 from sunny with different dates on them

 

and the other 1

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I will need to look into the DN further, I am not sure why they would give you a date to remedy a breach, which in their first sentence they say is not capable of being remedied ?

 

You do need to make contact with them, whether by email or letter - they can neither demand or insist that you telephone them and they are obliged to respond to your chosen method of communication in the same way.

 

You should let them know that you have a financial hiccup and make your offer of repayment - this should only be what you can genuinely afford after any priority debts have been accounted for. You can either speak with National Debtline and have them help you produce a Common Financial Statement, or you can use the one we routinely offer up for home repossessions and which is acceptable by the courts.

So they have no reason to refuse to look at this.

 

Ellens Budget Sheet.xls

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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I am sorry to advise that because of the nature of PayDay Loans, they are entitled to send such a Default notice which requires payment on demand.

 

One more reason for people not to get involved with this type of loan.

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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They should be outlawed, truly criminal!

 

So regardless of whether you remedy the breach, or don't, they're still going to terminate the agreement??

Makes absolutely zero common sense to me! but hey ho, I know what I'd do, ignore the DN as you're unable to remedy the breach

without being penalised anyway, and drop payments to £1 a month.

 

Then I'd be sending copies of the DN to the FCA to investigate, these must be unfair terms in the UTCC??

 

Unbelievable!

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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  • 1 month later...

Didnt hear off mr lender for 3 months then got an email from motormile .. see below

 

 

 

Original Creditor: Mr Lender - Debt Assigned to Motormile Finance Uk Ltd

 

Balance: £xxxx.xx ( btw this amount was a few hundred pounds lower than mr lender were asking for )

 

Dear xxxx xxxxxxxxx

 

Following our recent communication with regard to your balance, we are delighted to inform you that your account(s) has been selected

 

Not only is your account eligible for the discount, we can even spread the reduced balance into affordable repayment amounts for you based on your financial circumstances.

 

The offer is as follows:

 

Repayment time Amount to deduct from the balance

Immediate repayment 35% discount

Spread the instalments over 3 months 25% discount

Spread the instalments 4-12 months 20% discount

Spread the instalments over 12 months + 10% discount

 

Please contact us on 0113 887 6876 and our friendly customer service agents will be more than happy to talk you through the options and assist you reach the right solution to repay the remaining balance.

 

Alternatively, you can arrange a call back or discuss the matter generally by emailing us on [email protected].

 

This offer is valid until xxxxxxxxxxxx 2015 so we look forward to hearing from you soon.

 

 

not heard nothing since .

 

 

As for Sunny no communication at all or calls but an email saying your new statement is ready to view online.

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Ah that's nice.....:lol:

 

Just look at how charitable they are, helping you with discounts and all that......pffft!

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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  • 4 weeks later...

Hi need advice Mr lender I've had a few loans with them some for 30 days and some 6 months the last one was 1000.00 for 6 months taken 1/05/15 interest 0.8% therefore first payment due 25/5/15 for £326.66 breakdown 166.00 capital interest £160.00 then today 2/5/15 I paid £500.00 off toward the loan therefore I've paid £826.00 within 10 days but there have said my payments will be 25/6/ £201.33 ie 66.66 capital plus £134.67 in then

July 66.66 capital interest £61.87

Aug 66.66 capital interest 51.00

Sept 66.66 capital interest £33

Oct 66.66 capital interest £14.00

I think it's totally wrong how they have worked this out as my balance on 25/5/15 was £833.34 then 25/6 payment £201.33 balance outstanding £268.56 how have they worked this out as my capital for next 5 monthly repayments are £333.00 therefore surely the interest should be only 90 over the 5 months need advice to reclaim interest back and for previous loan

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Didnt hear off mr lender for 3 months then got an email from motormile ..

 

Absolutely typical of these loan sharks, they create the mess and then make a profit by flogging it on to powerless DCA's.

 

Have you exhausted their complaints system?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Ok if I can see how to do this new one here

 

instructions are in my signature.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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