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  • #31
    Re: Debt and Loan Help Pleazzzzzzee.......

    Originally posted by furryboo View Post
    So nervous about this but I will go with you all and not pay them!

    2 other quick questions. I have an egg loan from 2001 that I am still slowly paying, where do i stand with this? and shall I try to cliam PPI back on this?

    Thanks

    furryboo
    Nope, send off for the CCA Request as per I2D above and then let me see it, at this stage it's pointless applying for PPI refunds as we can use that later to play off against the balance of the debt itself.....

    At this stage, get the CCA and then email me a copy please.
    I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

    If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

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    • #32
      Re: Debt and Loan Help Pleazzzzzzee.......

      Right,

      Regards the Payday loans. Write to each of them as follows which should get them off your case...
      Dear Sirs,

      Ref: xxxxxxxx

      I write with reference to the outstanding balance on this account. Unfortunately I am no longer in employment and thus I cannot afford to repay the balance.

      I also no longer live at the address held on file, and cannot give you a forwarding address as I am currently residing in my car. Obviously given the nature of things, please remove all phone numbers and addresses from my account as you'll be wasting your time - I'm moving away and when I get settled and in work I'll be in touch with new contact details.

      In the meantime you can contact me using the following email address which I'll pick up as and when I log-in via an internet cafe.

      Email address: name@whatever.com

      Yours faithfully,


      Sign digitally

      * Now what you need to do before sending that is to ensure that you first set-up a new email account at hotmail or similar so that you can literally give that to these scum thus it stops them hassling you on your real email address.
      I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

      If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

      Comment

      • #33
        Re: Debt and Loan Help Pleazzzzzzee.......

        Originally posted by Never-In-Doubt View Post
        I am currently residing in my car.
        Inspired!

        Comment

        • #34
          Re: Debt and Loan Help Pleazzzzzzee.......

          Originally posted by CleverClogs View Post
          Inspired!
          It works mate - it really does......

          Tried and tested
          I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

          If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

          Comment

          • #35
            Re: Debt and Loan Help Pleazzzzzzee.......

            Originally posted by furryboo View Post
            OK, will do! Will kepp you posted on that and the other issue's. One other quick thing, would it cause a massive issue if I changed my home address to my parents address on these payday loans?

            Thanks

            furryboo
            It wouldn't really work for a couple of reasons:

            1) They will keep your old address on their records anyway, so will trace you regardless

            2) PDL companies prefer to phone/send emails. You will get very little snailmail from them as it costs too much.

            You are much more likely to get phonecalls at work etc, much more their style. When they do tell them to go forth and multiply, but make sure that you record EVERY phone call they make so you can then go after them for harrassment if need be.

            Best
            SnV
            "I fear all we have done is to awaken a sleeping giant and fill him with a terrible resolve."

            The consumer is that sleeping giant.!!


            I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

            If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

            Comment

            • #36
              Re: Debt and Loan Help Pleazzzzzzee.......

              Originally posted by SaltnVinegar View Post
              You are much more likely to get phonecalls at work etc, much more their style. When they do tell them to go forth and multiply, but make sure that you record EVERY phone call they make so you can then go after them for harrassment if need be.
              Unless you do this of course

              ---> allaboutFORUMS - View Single Post - Debt and Loan Help Pleazzzzzzee.......
              I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

              If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

              Comment

              • #37
                Re: Debt and Loan Help Pleazzzzzzee.......

                Originally posted by Never-In-Doubt View Post
                Unless you do this of course

                ---> allaboutFORUMS - View Single Post - Debt and Loan Help Pleazzzzzzee.......
                They'd still call you thinking you work as a cabbie.... not very bright your average PDL collections person.
                "I fear all we have done is to awaken a sleeping giant and fill him with a terrible resolve."

                The consumer is that sleeping giant.!!


                I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                Comment

                • #38
                  Re: Debt and Loan Help Pleazzzzzzee.......

                  Originally posted by SaltnVinegar View Post
                  They'd still call you thinking you work as a cabbie....
                  I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

                  If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

                  Comment

                  • #39
                    Re: Debt and Loan Help Pleazzzzzzee.......

                    Originally posted by SaltnVinegar View Post
                    They'd still call you thinking you work as a cabbie.... not very bright your average PDL collections person.
                    So tell them that you reside on the third bench from the bandstand in St James's Park.

                    Comment

                    • #40
                      Re: Debt and Loan Help Pleazzzzzzee.......

                      Originally posted by CleverClogs View Post
                      So tell them that you reside on the third bench from the bandstand in St James's Park.
                      OI - don't give out my address ya b'stard


                      * he can have the 4th bench!
                      I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

                      If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

                      Comment

                      • #41
                        Re: Debt and Loan Help Pleazzzzzzee.......

                        Originally posted by CleverClogs View Post
                        So tell them that you reside on the third bench from the bandstand in St James's Park.
                        Then they'd threaten a 'doorstep collection' visit

                        "I fear all we have done is to awaken a sleeping giant and fill him with a terrible resolve."

                        The consumer is that sleeping giant.!!


                        I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                        If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                        Comment

                        • #42
                          Re: Debt and Loan Help Pleazzzzzzee.......

                          Originally posted by Flowerpower
                          A field collector would be much more appropriate in this case...
                          He'd need a big lorry to collect an entire field.

                          Comment

                          • #43
                            Re: Debt and Loan Help Pleazzzzzzee.......

                            OK guys, I am proper confused now! What is my best course of action?

                            1. Don't pay them i.e Lose my debit card?
                            2. Can anyone suggest a loan comapny that don't do you on APR if you have fair/bad credit (This is the option I want as I get it all payed and no hassle ever again).
                            3. Write to them to tell them I cannot pay?

                            Thanks

                            furryboo

                            Comment

                            • #44
                              Re: Debt and Loan Help Pleazzzzzzee.......

                              Originally posted by furryboo View Post
                              OK guys, I am proper confused now! What is my best course of action?

                              1. Don't pay them i.e Lose my debit card?
                              2. Can anyone suggest a loan comapny that don't do you on APR if you have fair/bad credit (This is the option I want as I get it all payed and no hassle ever again).
                              3. Write to them to tell them I cannot pay?

                              Thanks

                              furryboo
                              Stop paying them & send this like Niddy said......

                              Dear Sirs,

                              Ref: xxxxxxxx

                              I write with reference to the outstanding balance on this account. Unfortunately I am no longer in employment and thus I cannot afford to repay the balance.

                              I also no longer live at the address held on file, and cannot give you a forwarding address as I am currently residing in my car. Obviously given the nature of things, please remove all phone numbers and addresses from my account as you'll be wasting your time - I'm moving away and when I get settled and in work I'll be in touch with new contact details.

                              In the meantime you can contact me using the following email address which I'll pick up as and when I log-in via an internet cafe.

                              Email address: name@whatever.com

                              Yours faithfully,
                              I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                              If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                              Comment

                              • #45
                                Re: Debt and Loan Help Pleazzzzzzee.......

                                Ok, so I shall report my card as stolen and then should I use the sleeping in my car letter or just write ansd tell them I cannot pay?

                                Thanks

                                furryboo

                                Comment

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