Jump to content


  • Tweets

  • Posts

    • Yes typed it, how would I input it any other way, probably timed out took over half hour. H
    • You typed it in? actually typed it all out? if so, maybe you took too long or something, like session timed out. Does the status show defence filed or no change?
    • Hi just typed all defence clicked next and it's deleted all. Any help
    • I forgot to say, there is one last possibility and that is that they will receive your letter of rejection and simply fold, accept the rejection and refund you. Don't wait too long for this. Seven days maximum – but in that seven days you could send your letter of claim anyway and when that you don't hear from them or when they start mucking around at least you are seven days closer to beginning the legal action – and they will know it (which is the important thing).
    • Okay that is excellent that you have an email between the garage and the warranty company confirming that there is a serious problem with the gearbox. That is very powerful evidence. I think the situation is this: you have sent them a letter of rejection but the reputation of big motoring world is that they won't take a lot of notice and they will try to prevaricate and maybe even blame you. Clearly you don't want the car any more and anyway it sounds as if the cost of repairs is going to be enormous. You don't know if the warranty company is going to step up to the mark but the whole thing is going to take a long time and I understand that you have lost confidence in big motoring world because of this event and also their reputation which you are now discovering on Facebook and on this forum and no doubt elsewhere. On the basis that you don't want the car any more and you want your money back, you need to hurry things along. I think the first thing is that you need to decide if you are prepared to bring a claim in the County Court. Even without the warranty money, the claim is worth more than £10,000. For actions less than £10,000, you bring a "small claim" and this means that even if you lose the case you won't be liable for the other side's costs. If you win the case then not only will you get your money plus interest but also you will recover all of the costs of the action. For actions more than £10,000, you go to something called the "fast track" and in the event that you lose the case, then you could be liable to reimburse the winner some of the costs. This means that in addition to not recovering your own money, you would lose your own court fees and also you would have to to bear the costs of the other side probably something less than £5000 – but as a rough guess. If you bring your court claim then your chances of success are almost 100%. Frankly if you brought a court claim then I can imagine that big motoring world will put their hands up and pay you out rather than face go to court and losing and getting a judgement against them. However, it you need to consider that this is a risk factor – although my view it is a negligible risk factor. If you did bring a court case, it wouldn't be instant. If they put their hands up then it would probably happen very quickly. If they didn't put their hands up then you could take anything up to a year for the matter to be resolved and during that time you would be without your car and without your money and in the middle of litigation. I'm explaining this to you say that you understand how it works. Bring a court case would be really the last resort when everything else has failed. However, I'm quite certain that you would win and it would be stupid of big motoring world to try to resist. In order to bring a court case you would have to send a letter of claim giving them 14 days to accept rejection and organise the refund otherwise you would begin the claim. Don't imagine that you could bluff this. If you did send a letter of claim then you would have to go through with it otherwise you lose all credibility and you might as well pack up and go home. So with this in mind, here are possible courses of action you could take. You can simply wait and see what their reaction to your letter of rejection will be. However they may not reply or else they may find some other reason to delay and of course during that time you will be without your car and without your money blah blah blah, not knowing if big motoring world were going eventually to start acting sensibly and respectfully towards you. The second thing you can do – and I think this has been suggested on Facebook – is that you can go along there and simply make yourself present and talk to other customers and generally speaking make a nuisance of yourself and embarrass them to the point where you would be explaining to other potential customers to be careful, to look on Facebook, and to do some careful research before they put their business to big motoring world. This has a reasonable chance of success although you would have to be careful. You should go accompanied by a friend and there should be no anger, no arguments, nothing that could be considered as being overly aggressive so that big motoring world would have no justification in kicking you out or even worse, calling the police. If you did this, then I would suggest that you record everything on the telephone carried in a pocket. A fully charged battery will probably keep a voice recorder and a telephone going for more than 20 hours or 30 hours. The other person can video any incidents so that everything is clear and you can inform big motoring world then it will be going up on the Internet. If you did this, my favourite option would be to issue the letter of claim giving them 14 days, and then going along to big motoring world with a copy of your letter of rejection and a copy of the exchange between the mechanic and the warranty company and a copy of your letter of claim – all settled together – and probably about 20 or 30 copies in all and I would start handing them out to any customers who came in. Big motoring world will soon get the picture and they will either move your the premises in which case you stand outside and carry on doing it or they will finally give in. Of course there is a chance that they won't give in and they will simply call your bluff – but in that case I think you have no choice other than to follow through with your 14 day threat in the letter of claim and to begin the legal action. At the same time you should be putting up reviews on Google and also trust pilot explaining exactly what has happened and also explaining that the mechanic has confirmed to the warranty company that there is the serious problem, that you have asserted the right to reject and that this is been ignored by big motoring world and that you have now sent a letter of claim and that you will be starting a legal action in 14 days. Once again, don't bluff about the legal action. If you threaten it – then you must mean it – and on day 15 you click of the claim. You don't need a solicitor for any of this. It's all fairly straightforward and of course we will help you all the way that it the decision is yours to make and I think you need to make it fairly quickly. I think the cost of starting an action for about £13,000 is 5% and then also if it goes to trial which I would say is almost impossible – there would be an additional fee. You would claim interest at 8%. A judge might award a lower figure but frankly if you can show that big motoring world is attempting to ride roughshod over your very clear statutory consumer rights, I can imagine that the judge will want to show displeasure by awarding the full 8% which is a pretty good rate – even though it's not compensation for the hassle and the distress you are going through. If you decide to get solicitor, then if you win the case, because it is over £10,000 you will recover some of your costs but you won't recover all of them. If the solicitor begins by having exchanges of letters then I doubt whether you will be up to recover the cost of those and you could easily find that you're chalking up 500 quid or even a thousand simply on initial exchanges of correspondence. Also you need to bear in mind that if after having exchanges with a solicitor, big motoring world cave in – then you definitely won't get those costs back because you won't have gone to court and therefore a judge will not have made the order for payment of those costs. I suggest very strongly that you avoid paying any money for a solicitor and that you do it yourself. It's not a big deal – although you will have to you react quickly to the help we offer on this forum. Also, an additional benefit is that you will learn a lot and you will gain confidence and eventually you will feel good about suing anybody else who gets in your way. Nothing not to like! If you do decide to instruct a solicitor then you must take control of the solicitor. Most of them prefer to sit in an office writing letters on the clock. If you do decide to instruct a solicitor then you must instruct the solicitor very firmly that they should send one letter of complaint giving seven days. A second letter – a letter of claim giving 14 days and that they must then begin the action. If you don't do this. If you don't take control then it will simply cost you money, you will be without your car even longer and of course without your money. The whole thing is a nightmare. I think I've laid out the options but please do ask questions. I hope you can see that this is the kind of advice that you won't be getting on Facebook. Nothing against Facebook. It's good as a meeting place and to make people realise that they aren't on their own – but after that the advice given is weak and confusing.  
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

PDL DEBTS - not able to pay everyone now...


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2299 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Once again - Any damage done such as AP markers etc to your Credit File can be corrected by the lender - Let them scream at you - You are now in control.

Link to post
Share on other sites

  • Replies 137
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Now now... It may feel it but you are bringing it back under control. Trust me you will wise up to it.

In the event that you feel like you are struggling mentally etc (Debt can have a very negative impact on your health) -

 

Then you can have a look at

 

Samaritans

Telephone - 116 123

https://www.samaritans.org/

 

OR see your GP. There are also other people that can help.

 

Christians Against Poverty

 

https://capuk.org/

 

Just keep on top of it... There is a light at the end of the tunnel.

Link to post
Share on other sites

they cant collect you've cancelled the CPA's..

 

 

stop fretting!

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... 

Link to post
Share on other sites

hello,

 

I received first response from Mr Lender and they're stating that everything what they did was correct,

then accusing me that I was not honest with them

 

- it’s true

– but who will tell the Lender that needs money to pay loans and for gambling:

I stated I needed the additional funds of £600.00 (I NEEDED FOR GAMBLING) towards a holiday.

 

I also stated that I did not have any financial commitments (I HAD AND THIS WAS ON MY CREDIT FILE),

I WAS not in financially difficulty (I DIDNT KNOW YET),

I was not using the loan to repay other loans and

I was not using the loan for gambling purposes

( I WAS - BUT WHO WILL TELL THIS TO THE LENDER).

 

my credit file was showing already many loans and many searches ,

when I was taking loan I didn’t know exactly how much my financial commitments are just now doing the budget.

 

"Thank you for your complaint received on the 6th October 2017.

 

We are sorry to hear of the personal issues you have experienced.

As you have made us aware of your dissatisfaction with the service you have received, we have conducted a thorough investigation in order to address the concerns you have raised.

 

Please find below a summary of your complaint and the explanation for our decision.

 

Your complaint outlined:

 Your loans with Mr Lender were unaffordable

 Mr Lender did not request proof of income which would have shown financial difficulty

 You believe Mr Lender did not carry out the correct checks

 

Investigation:

 

We have reviewed your account and can see that you have taken out just two loans with Mr Lender.

The interest applied to each of your loans was in line with the regulations at the time they were approved.

Furthermore, all interest and charges were disclosed at the point of application and available on your Consumer Credit Agreements which you signed, agreed to and these were emailed to you for your reference.

 

All fees and charges were clearly detailed in your Consumer Credit Agreement.

This would have included the circumstances of which you could incur any additional charges and at what cost.

 

We can confirm both of your loans were instalment loans, with each instalment you would have paid back part of the original amount borrowed (capital).

 

At Mr Lender we only charge interest on the outstanding capital which means that as the loan period progressed, your payments were reducing with a depreciating balance.

Stated in each of your contracts was the total amount repayable (including capital amount borrowed).

 

Your first loan was settled earlier than the contractual settlement date, meaning you paid less than the total amount repayable stated.

You settled this loan without requiring any help or support from us.

This indicated to Mr Lender your ability to pay, that you were not in any financial difficulty and gave us no cause for concern when relending to you.

 

If a customer advises us that they are struggling financially, as a responsible lender we will always offer further help and support.

This could be in the form of a repayment plan, an affordable settlement figure or signpost free and independent debt advice.

 

Also as stated in the terms and conditions of your contracts ‘if you find yourself in financial difficulties you should contact us by email on customer.service@mrlender.co.uk or telephone us on 0208-532-5022 to discuss how we may be able to assist you.’

 

During your most recent loan (MLxxxxxxxx) which is currently outstanding and was taken out on the 12th September 2017, you stated you needed the additional funds of £600.00 towards a holiday.

 

You also stated that you did not have any financial commitments, you were not in financially difficulty, you were not using the loan to repay other loans and you were not using the loan for

gambling purposes.

 

This as well as the manual assessments that were conducted as part of our application process would not have indicated that you were struggling financially.

This was originally a six month instalment loan, you paid your first instalment on time and you have opted to defer your second instalment on the 31st October 2017 by paying just the interest amount of £128.00.

This will extend your instalments by a further month.

 

Before your loans were issued your applications were subject to Mr Lender’s responsible lending assessments.

These included thorough affordability checks as well as credit checks with the information provided by the credit reference agency, Call Credit.

These were conducted in line with our Responsible Lending Policy to assess your suitability.

 

The results of your credit check showed you had a credit score of 592.

This score is considered above average when compared to the scores we had seen during 2017.

You also had no accounts registered as defaulting or in delinquent status within three years prior to your application dates.

 

Your credit report also matched you to the address provided via the electoral roll and there was also no evidence of CCJs, IVAs or Bankruptcy on your credit file.

 

Our lending decisions are also based on the information a borrower provides to us, as a consumer it is your responsibility to provide the correct information to assist us to determine the affordability of your loan application.

 

We should be able to trust that the information provided by a customer is a true and accurate reflection of their situation.

 

We conducted an employment check in order to ensure that you were receiving a regular monthly income.

 

Upon application of your loans you informed our underwriting staff that you were employed by [edited by site team].

 

As part of the affordability assessment we also carried out an expenditure check and you confirmed the following upon application:

 Your net monthly income was £3,600

 Your expenditure was £2,400 which consisted of:

o Mortgage and Rent - £772

o Electricity, Gas and Water - £120

o Food and Travel - £270

o Telecommunications - £0

o Council Tax - £189

o Other Loans - £700

o Other regular outgoings - £349

 

We can confirm that based on the information provided by you during our expenditure checks, your highest contractual instalment due during your instalment loans would not exceed any more than 19% of your monthly disposable income of £1,200.

 

The checks we conducted were proportionate to the amount of capital borrowed and the results of these checks were deemed sufficient.

Based on the loan amounts borrowed, the loans issued were under 18% of your monthly income and therefore affordable as per the information provided and confirmed by you.

 

In regards to proof of income we try to keep the loan application process as paperless and hassle-free as possible, in most cases there is no need to send any documents to us via post or email.

 

However, in some cases where application information can't be verified, we may get in touch to request supporting documentation.

Please note, neither the OFT or the FCA have ever stipulated that lenders have a mandatory duty to request bank statements.

 

In regards to the FCA regulations mentioned in your complaint, we can confirm these were introduced on the 1st January 2015.

Both of your loans were taken out in 2017 and are in line with the new FCA regulations.

 

Having reviewed and investigated your complaint, we believe that all checks were carried out in line with the company’s responsible lending policy. A

ll of the assessments conducted by Mr Lender were completed in accordance with the regulatory requirements and guidance at the time of your loans set out by the Financial Conduct Authority.

 

It is for the reasons given within our investigation, that we do not believe we have acted irresponsibly and the loans issued were fair and should have been affordable based on the

information you provided at the time and the checks that were carried out.

 

However after taking into consideration the financial hardship you have first informed us of through your complaint, as a gesture of goodwill we would like to reduce your outstanding balance to the remaining capital of £418.40.

This balance can be repaid via an affordable monthly repayment plan.

 

Upon acceptance of this offer you will not pay any interest on your most recent loan.

 

We look forward to hearing from you by the 30th October 2017 in the hope to resolving your

complaint.

 

Although we have conducted a full and thorough investigation, we are happy to investigate any further points you wish to raise or if you have any supporting evidence that you wish us to consider."

 

I dont know what to answer

Edited by Mr.P
Redacted loan number
Link to post
Share on other sites

Howdi - Having a look at this - Its a good start... You now have the decision to make about Mr L

You may not get a COMPLETE write off - But its enough..

 

You can open negotiations on this one... You can tell them that the amount the are stating is still too high and I would also point out regardless of the status they should be doing more to help you.

£700 in other loans should have rung alarm bells. Also as well they should have checked your bank statements defacto. How many loans did you have with Mr L? This should be part of their criteria.

 

The door is open and Mr Ls response isnt set in stone. So go for them... Tell them what you expect... If you can get an extended amount written off then Id say take it and negotiate.

 

FYI a credit score is not a measurable acceptable method to go by!! GRRRRRRRRRRRRRR!!!

 

https://www.consumeractiongroup.co.uk/forum/attachment.php?attachmentid=69344

Link to post
Share on other sites

But you have had a great start though :) !! dont forget that and you wont win them all. Sometimes you need to compromise and sometimes you need to escalate to the FOS because they are'nt always being fair ^__^

Link to post
Share on other sites

Hello,

 

I am still awaiting for responses from the other pay day loans companies, at the moment I had one more from THL Direct – it was outstanding 91.63 and they write off so anything to repay but I am having problem with iwoca.

 

I have as well loan where I am paying weekly around 120.00 and I asked to freeze it until January and I offer them one payment in November of 50.00 , one £50.00 in December 17 and from 05.01.2018 - 120.00/ week as before but they don’t want to help at all.

 

I provided all statements plus my budget and doesn’t help at all,

The loan was taken 2 years ago for my Limited Company because I am contractor working on daily rate but he says “ Please note that the loan agreement is between iwoca Ltd and ,,,,,,, therefore the business has a responsibility to meet payments in this regard or the contractual repayments initially set.

 

I have reviewed the contents of your business bank statements and based on the income the business is generating, payments to iwoca can be met in my opinion.”

 

I have only one income from which I have to pay all my Bills / mortgage etc- does not matter to which account its going - to my Business or private one – they are still the same Money– it’s like talk to the IDIOTS, they asking me now to pay £50.00 even IF I SAID THAT IN OCTOBER I can’t pay anything

 

I asked them to pay:

 

£50.00 - 20/11

£50.00 - 20/12 and after each week 120.00 BUT they back to me with payments schedule:

 

£50.00 - Today (17.10)

£50.00 - 20/11

£50.00 - 20/12 and first option was 170.00/ week and second after my email 150.00 – still a lot for me

 

Please help – how to respond,

I am not able to pay what they want.

Please see my original schedule with which I was happy to pay but what they want now – it’s too much

 

The guy who was calling me was arrogant and didn’t want to listen.

 

Looks like he want me to beg him about the stupid £50.00, unprofessional service, and they avoiding emails, just phone calls, I am filling embarrassed talking about my situation and I said that on my email that I prefer emails but didn’t work

 

PLEASE HELP

 

I have to add that my outstanding balance with them at the moments its 2,091.11 plus interest 273.56 and total 2,364.67 until 27.02.2018

 

how to respond to them???

iwoca pdf.pdf

Link to post
Share on other sites

I know this but they don’t respond many times BY EMAIL

 

Can someone tell me please how to respond.

 

I provided everything, budget, statements but their respond it’s like they ignoring everything what I said before,

 

they requested private bank statements and now just telling me that the loan it’s for my Company name and I Should afford the requested repayments seeing Business bank account BUT I AM NOT.

 

I have to transfer each month my payment to my private account to pay bills, Mortgage etc…

 

PLEASE tell me how to respond

Link to post
Share on other sites

you write to them

then you have I in black and white when you take them to the FOS

 

till now

you've nowt to produce and they are treating you like a fool.

 

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... 

Link to post
Share on other sites

Should I chase the pay day loan companies to get response / final decision regarding my claims?

 

Some of them responded that they will be back to me in 5 working days but they didn’t, should I chase them??

 

It’s important for me to have answer before Month end as I didn’t miss any payments so will be handy if they respond as they promised

Link to post
Share on other sites

then you need to chase yes

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... 

Link to post
Share on other sites

Please see below part of respond from Provident - satsuma

 

"I have today arranged for the suspension of collections activity on your account for a period of eight weeks.

This means that during this time we will not ask you to make any payments and no additional charges or interest will be applied to your balance.

This will allow our Complaints Team time to investigate your concerns and contact you.

 

Please be aware arrears letters and balance statements may still be sent to you during this time.

These are not a prompt for payment but are sent to keep you informed of the status of the account.

 

After the eight weeks have passed we will contact you to review your circumstances and offer you continued further assistance if this is required.

 

We are happy to support you by suspending collections activity on your account during this time.

As you will not be paying the agreed weekly rate these payments will show as being overdue and as we share this information with other organisations through your credit file this may affect your ability to obtain credit from us or other organisations in the future."

 

Is this correct - they putting my account on hold and won’t ask for payments until Claims team back to me with decision but will show on my Credit file as unpaid / overdue or defaulted? Is it correct??

 

And I just went to log in to my Satsuma account and I can’t see any loans, repayments or history – everything gone???? is it something normal??

Link to post
Share on other sites

yes

but probably be written off anyway?

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... 

Link to post
Share on other sites

DEFAULTS

 

When they will be shown on my credit reports?

 

 

My next payments for my pay day loans are on 31.10.2017 – I won’t pay anything because I won’t have enough Money so first missed payments.

 

Many companies didn’t respond like Wonga, Sunny etc.. and will do probably on last day after 8 weeks so defaults are after 62 days from the first day of non payment, that’s my understanding? For me 62 days from 31.10.2017 its going to be 01.01.2018. So just in case I can missed 31.10 and 30.11 and if still no response pay something before 01.01.2018

 

Am I wright?

Link to post
Share on other sites

paying 'something' and not the whole sum stated on a default notice wont stop the default being registered

if that's what you are trying to say

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... 

Link to post
Share on other sites

not really too sure what you are getting at?

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... 

Link to post
Share on other sites

Sorry – I just don’t understand defaults.

 

If I won’t pay my instalments on the 31.10.2017 and again on the 30.11.2017 my accounts on the 05.12.2017 still won’t be defaulted, because it won’t be yet 62. Days. Do I understand this correctly?

 

I am asking because all my payday loans must send final decisions before 07.12.2018

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...