Payday Loans and charges

[CleverClogs (RIP)]

Re: Payday Loans and charges

It's a great pity that nobody uses old fashioned fax machines these days.

With a fax modem and a suitable graphics program, one could send a "banner fax" - a fax with one enormous letter per page and no page breaks.

For sheer nuisance, a fax modem could be used to transmit a file of appropriate control characters that would render a roll of fax paper into a heap of paper spills only suitable for fire lighting.

Finally, with a fax machine sending to another fax machine, one could send a continuous "black fax" - a long strip of black paper was fed in and, when the leading edge emerged, it was taped to the trailing edge so it would be fed round and round continuously; with some fax machines, printing such a "document" would soon burn out the thermal printing head.

[Never-In-Doubt]

Re: Payday Loans and charges



Purrrrfect (but sort the spelling)

[jon1965]

Re: Payday Loans and charges

Do you think this will piss em off?
further to my previous emails please provideme with a statement of account.
All correspondence must be in writing
APFC NO longER REPRESENT ME AND I DISPUTE THE CHARGES

[jon1965]

Re: Payday Loans and charges

Just done the large underlined bold typeface at the mo. Will progress to the other later as it will take time to write up. I'll piss the wongas off if it's the last thing I do

[Pixie]

Re: Payday Loans and charges

I like it!

[Never-In-Doubt]

Re: Payday Loans and charges

I THINK I WILL PLAY THEM AT THEIR OWN GAME AND SEND DAILY EMAILS ASKING FOR A BREAK DOWN OF BALANCE. dO YOU THINK THAT WILL PISS THEM OFF?

yes most definitely and change the font so it reads even harder like


CrAzY WrItInG

[jon1965]

Re: Payday Loans and charges

I THINK I WILL PLAY THEM AT THEIR OWN GAME AND SEND DAILY EMAILS ASKING FOR A BREAK DOWN OF BALANCE. dO YOU THINK THAT WILL PISS THEM OFF?

[Never-In-Doubt]

Re: Payday Loans and charges

And, if mailing them, use a large typeface.

as it annoys them

[CleverClogs (RIP)]

Re: Payday Loans and charges

Just ask for the breakdown of balance. Keep it simple.

And, if mailing them, use a large typeface.

[Never-In-Doubt]

Re: Payday Loans and charges

Just ask for the breakdown of balance. Keep it simple.

[jon1965]

Re: Wonga

They have replied asking me to call their "friendly team" . I have replied reiterating that I will not discuss this over the phone , I need a statement as I dispute the charges and I am classing the account as in dispute. Any suggestions as what I should do next?My idea is to write recorded with a cca request as I believe that they must include a statement of account and include a statement of affairs as well as a request for a 6 month suspension of payments.

Best of luck, keep us updated..... wonga are notoriously difficult and do think the normal OFT Guidelines on debt collection don't apply to them so be prepared for some (ok a lot of) bull shyte

[Never-In-Doubt]

Re: Payday Loans and charges

I have merged the previous 3 payday loan threads into this one thread as they are all linked questions, albeit for varying firms.

Please keep all PD stuff here in the same thread as it's easier for others to follow.

Thanks

[Never-In-Doubt]

Re: Wonga

After spending the weekend going through all my old bank statements I finally found the payment from Wonga. It was for £100.
The last balance I had from them was over 300 even though I have paid c.£30 so I sent them this

Thank you for your reply, I do however require a statement of account. You have previously stated that this will cost me £10 however this is an error. If necessary i will send you a CCA request which amongst other things provides for a statement of account. I would suggest however that it would be easier and cheaper to just to send a statement.
In addition I have taken my DMP back and will be dealing with it myself from now on. All communication needs to be in either writing or by email. Any telephone calls will be ignored , logged and possibly used in a harassment complaint.

Lets wait and see

Best of luck, keep us updated..... wonga are notoriously difficult and do think the normal OFT Guidelines on debt collection don't apply to them so be prepared for some (ok a lot of) bull shyte

[jon1965]

Wonga

After spending the weekend going through all my old bank statements I finally found the payment from Wonga. It was for £100.
The last balance I had from them was over 300 even though I have paid c.£30 so I sent them this

Thank you for your reply, I do however require a statement of account. You have previously stated that this will cost me £10 however this is an error. If necessary i will send you a CCA request which amongst other things provides for a statement of account. I would suggest however that it would be easier and cheaper to just to send a statement.
In addition I have taken my DMP back and will be dealing with it myself from now on. All communication needs to be in either writing or by email. Any telephone calls will be ignored , logged and possibly used in a harassment complaint.

Lets wait and see

[jon1965]

Quick Quid

In December I sent an email to QQ asking to confirm my balance and also to confirm if my debt had been sold on. I had a reply stating that "In response to your correspondence, our records indicate the account was not sold to a third party and the account is closed"

I had however been receiving letters from MacKenzie hall.
I have now emailed both saying that as it is closed I will not be making any more payments and please return any payments paid since the date of the letter.
I await with interest the reply