Txt Loan / My Jar .. Advice needed

[Tink_2010x]

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

[dx100uk]

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

 

 

those are unlawful under FCA rules

 

 

dx

[Bazooka Boo]

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.

[fkofilee]

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

 

[email protected]

[email protected]

[email protected]

There you go. Complain about it! Edited July 23, 2015 by dx100uk
please stop swearing - dx.

[WilmaMcClelland]

You should complain about it! That's very unfair. You are paying them right, and just a little late that's what they will do with you? You should take action with this!