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    • thats quite interesting, as they are giving you a greater int rate before 1993, i am unaware of anything special about that date concerning statutory int , but it means more money for you, so i wouldn't worry yes the spreadsheet is correct.   it runs till the day they settle.   have they actually given a fixed figure for the 15% period, if so, add that the the 'current' spreadsheet result and that should equal what they should be refunding.... does it match?   dx  
    • I was recently given an upgrading of mobility to enhanced estrangement to pay.I was not aware of had indeed been informed that over the last 3 years I should have only paid 50 % of normal rft any chance of a refund of the overpaid duty  Cheers
    • great so everything sort of matches now a meter with no flat number and one not for your number.   now simply write to EON. i doubt your usage will be that dissimilar to a like flat so you might even get a credit balance   dx  
    • threads merged.   going by your original thread the debt was sold around mar/apr 2017 so a default would have been registered by LLoyds upon sale when a debt is sold the name if the OC is replaced by that of the debt buyer   so everything to me sounds ok the defaulted date is of that time  and the whole account will vanish on the defaults 6th birthday.   what anyone put post that can't harm you further because they are not allowed to change a defaulted date subsequent calendar markers are irrelevant and can't hurt you file  further.
    • This is an area that I suppose we don't have a lot of experience in. So we will have to feel our way as best as we can – but there may be better sources of information elsewhere. You use the word "manifest" a couple of times – as if it is some kind of technical term. Does it have a special meaning?
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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Hi there,


just looking for abit of advice here,

i have no idea why i didn't know anything about this at the time/how i didnt clock on or what have you but the following is this -


in 2011-2012 ish i took out the following loans with TXTLoan (now MyJar) which all paid back as you can see which is attached to this post .


Confuses me here,

the dates of when the loans were paid and taken out seem to be weird and it doesn't add up,

i kept paying them back more than i ever borrowed in such short space of time,

i.e £51 interest over a day?!



in one case i apparently seem to have paid £196.20p in a few days interest alone!



in total it seems i have paid out £1,896 from a total of £1,400 over the course of 6 months, that's alot of interest.


Looking back in my emails / bank statements,

all i have are correspondence from the very date i first took out the loan with txtloan (26th July 2011) till the last payment was taken,



then in 2012/2013/2015 i had threatening emails trying to get me to pay,

there were no further loans from txtloan after i repaid £496.


this email in particular i find amusing



Your account with TxtLoan Limited will be assigned.


You have an outstanding loan with TxtLoan limited, details of which are as follows:

Loan reference number .......

Customer number ....

Your loan agreement date 25/07/2011

Date your took your loan 03/01/2012

Date repayment was due 18/01/2012

Amount borrowed £300

Amount now outstanding £692.5


As you are not making any repayments to your outstanding loan and in accordance with the loan agreement between us, TxtLoan has decided to assign the account to MYJAR Ltd.



The contact information for the company is:


Address PO Box 609, Salford, M5 0HD

Phone 0203 371 3080


The assignment is due to be completed on 28/2/15. MYJAR Limited, will then own the debt and all money due by you under this loan agreement, will be owed to them.

MYJAR is authorised and regulated by the Financial Conduct Authority with interim permission number 658236.


You will shortly be hearing from MYJAR and we would urge you to work with them to agree repayment of the sum that you owe.


If you are in financial difficulty, please see the information on the attached sheet about where you can get free, independent debt advice.


Yours sincerely,

TxtLoan Limited



how does one loan go from £300 to £692 within 15 days?

not to mention the fact that it looks like they already took a payment of £496 in January!


they defaulted me in April 2012 which still exists on my credit file and it had affected my ability to get credit and eventually spiralled me into another payday loan hell circle in 2013 as i was unable to gain any affordable credit (another story i guess)


a few things this looks to me like is

1. unaffordable lending to the extreme

2. unfair default charges

3. extortionate interest rates

4. taking money without me apparently realising (not sure if this is one?)


i've lodged a complaint against MyJar now with the FOS

but i've yet to include all this information which i found today..



. the only reason i looked into it again today was that MyJar replied to a complaint letter i did to them (and many other payday loan lenders)


We are contacting you to provide you with a progress update on the recent complaint you made with us. Unfortunately and despite our best efforts, we are not yet in a position to give you a final response and have therefore, forwarded the matter on to our Complaints team.


We will be contacting you again shortly and we will either issue our Final Response giving our decision on the outcome of your complaint and the reasons for this or, an explanation of why we have not yet resolved your complaint.


Although we endeavour to resolve your complaint as soon as possible, due to the time it takes to thoroughly investigate your claim, we expect to be able to provide you with a response by 18 January 2017 but in any case, we will make sure that you receive a final response within 8 weeks of the date of your complaint.


For more information about how we deal with complaints,


Feel free to contact us at any time for an update on your complaint.


Kind regards,



What are my options here along with the complaint to the FOS,

what do i reply to Myjar?


Thanks for the help.


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irresponsible lending complaint I gather?




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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Hi Wilcouk...


I would like to advise, but need some time to digest...

In the mean time have a look in my signature at our PDL reclaim guide


We could do with some help from you.


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



Receptaculum Ignis


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