uncle buck loan from 2016 being chased by Conexus DCA

[TR5]

hope this is in the right place. 

 

Im dealing with a DCA  Conexus over pay day loan paying a tenner a month as I've been long term sick away from work.

They've not been too bad compared to some DCA's i've had , they don't phone and only write now and again for updates.

 

One thing's bugged me though which they refuse to play ball in they insist on stamping their letters "Conexus Recovery" - saying they're a DCA. 

 

I've asked for them to stop this as I live with my mum and don't want to worry them,

Conexus refuse to remove these saying they need to put this on for returned post???? 

 

Am I being a bit sensitive here? 

 

Thanks all. 

[dx100uk]

lets kill the debt if we can

 

who are their clients?

 

and what was the loan?

a PDL you say?

who from and when?

and was your credit file shot when the OC gave it too you?

 

about time you ignored all DCA's

they are NOT BAILIFFS

and have

ZERO legal pow

ers on ANY debt.

 

sadly you created this scenario by thinking a dca has magical powers and paying them instead of the original credit

[TR5]

Hiya, hope this info helps 

 

uncle buck loan from 2016.

 

I borrowed £450 originally.

Couldn’t repay, charges and interest added took it to £800 at one point.

 

I went to FOS, they removed all charges and interest and told me to payback only the original loan.

 

Uncle buck sent to conexus and I’m been paying them since 2016.

I receive regular statements and now owe £120. 
 

 

 

[dx100uk]

better than what I thought then.

 

who set the payment level?

as I expect them trying to make you up the sum is all the letters are about?

was the FOS or you to bucks or them?

 

 

[ericsbrother]

they are not licenced by the FCA so they are but a bunch of lying chancers.

 

report them if you wish but it would be better if you sat up straight, pushed your chest out and breathe in deep before telling your parents that you are being hassled by these worthless clowns and are now taking action to address the problems that caused them to wite in the first place.

 

BTW you probably owe nothing and more likely they owe you so read up on irresponsible lending and start the fight back

[dx100uk]

they are registered

https://register.fca.org.uk/ShPo_FirmDetailsPage?id=001b000003WhMXGAA3

the op has already done an irl complaint and the fos sided with the op on it.

 

 

[TR5]

Re conexus I set the payment level, they write asking for me to increase/review I’ve refused every time and they’ve always accepted this. I did some reading on this site before offering this taking into account rent other loans etc. 
 

the FOS complaint was against uncle buck. I’ve not complained against conexus yet.
 

thanks all for your help 

[dx100uk]

you've no need too

they are powerless DCA's

 

then write and state that your financial situation will not be improving in the next 12mts.

should they write again within this period , you will cease payments and report them for harassment.

 

 

[TR5]

Will do, thanks again 

[ericsbrother]

next time you feel like writing to them print your envelope ot at the top with "VD clinic urgent test results"

[TR5]

Good thinking!