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Hi, a few months back I took out a payday loan with 24/7 moneybox and I wasn’t able to pay it back on the due date.


Not surprisingly as soon as payment didn’t go through on the due date they were emailing, leaving automated messages and sending texts.


I kind of put my head in the sand until a friend of mine said you need to deal with it but I didn’t want to call them up and be bullied to paying back what I can’t afford.


then suddenly I got this textmessage from them offering me a discount of 75 percent so I replied back to the text message they sent if I wanted to take advantage of this limited time offer and it was ignored.


I got more texts none offering me a discount .

One replied back saying I could set up a payment plan of £10 a week!

I replied back asking what happened to my discount offer as I would have paid this and be done with it.


im happy to communicate with them using text as I have a record of the conversation and according to them it’s one way I can resolve the issue.

I’ve tried to resolve it using texts but they ignore every reply but still send rude emails and leave voice messages saying that doing nothing will make matters worse!


do I ignore it and if they take it further then say well i have proof I tried to resolve it when you offered me a discount but you didn’t respond back to me?


any advice please and I won’t call them as I will feel very pressured and don’t need that kind of stress



Edited by dx100uk

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I wrote a letter following the guidance given in the reclaim guide to 247.

But it seems just like my previous correspondence with them using texts they have ignored it and sent me an email saying they’ve now sold the debt to ARC Europe.

do I have to send them a letter as well?

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doesn't say that? arc don't buy debts.


what date did you send the IRL claim

they have 8 weeks

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The email I got says this

As a result of not being able to reach a satisfactory agreement with regards to your outstanding balance, we have now transferred your account to the following external Debt Collection Agency:


ARC (Europe) Limited

Telephone: 01932 251000

Address: ARC (Europe) Ltd, Kent House, Churchfield Road, Walton-on-Thames, Surrey. KT1



The Debt Collection Agency above will be administering and collecting payment of your outstanding balance on our behalf and will be in contact with you shortly. In the first instance please contact the Debt Collection Agency regarding your account. A summary of your borrowing is available online in your 247Moneybox.com



I sent 247 the claim letter on 3rd January

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ON OUR BEHALF .................read it CAREFULLY

as with any DCA


and have


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