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Txt Loan / My Jar .. Advice needed


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Hi all,

 

I had a loan for £300 last November

- had trouble paying it back and contacted My Jar straight away. T

hey set me a repayment plan up for £360 including interest and I had to pay it back £30 each month.

I paid every month ontime no trouble at all until

I went on holiday in June and was late paying.

As soon as I came back I paid the £30

so by this time I had paid £240 back of my loan with just 4 payments left.

 

Next thing I receive is an email from a recovery team demanding £342.50 from me as I was late on making my June payment.

Yes somehow they feel I owe them £342.50 when I have already paid £240 to them!

When I contacted My Jar this was their response:

 

' Regrettably, following the missed payment on 27/06 and not contacting us in time, your loan was reverted back to the original full charges and forwarded to our Debt Collection Agent, Secure Recoveries Ltd with additional charge of £74.50 for their services.

 

While we had a special arrangement between you and MYJAR on paying £30/month we agreed to reduce the total amount to the original repayment sum of £360.00, but failing to maintain the repayment plan reinstated all the applicable late fees and charges.

 

Please contact Secure Recoveries Ltd to arrange a repayment.'

 

Do I have a leg to stand on here?

It just seems so unfair that I have nearly paid them back and now theyre demanding another £340 again!

I do admit I was late making the payment but as soon as I realised I paid it straight away..

I only borrowed £300 to start with.

 

Thanks in advance for any advice,

 

Tink :)

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they certain cannot add anything for any debt collection 'fees'

 

 

those are unlawful under FCA rules

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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IMO, I'd simply continue paying them at the agreed rate, then when you reach £360, or whatever it was you owed them, just stop.

 

As for contacting their powerless third party DCA, yeah, that's not happening, deal with them (myjar) and make it

clear you have absolutely zero intention of paying anyone other than them.

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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Secure Recoveries are Myjar. You should be allowed to go on holiday and not be penalised...!

 

There you go. Complain about it! Edited by dx100uk
please stop swearing - dx.

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

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