Debt and Loan Help Pleazzzzzzee.......

[Never-In-Doubt]

Re: Debt and Loan Help Pleazzzzzzee.......

No! I don't! Just worried about fraud etc..I was thinking I did sign contracts with these people but they were not paper contracts!

Thanks

furryboo

Fraud? The only fraud was that piece of paper THEY gave you.

[Never-In-Doubt]

Re: Debt and Loan Help Pleazzzzzzee.......

What is this nonsense? It's a payday loan FFS!!

Nervous, why?

CC - careful the banks will not roll over if you quote this thus we say a stolen card is better and proven to work.

Jees talk about taking a horse to water

Sorry but I thought this was done; waiting on a new card already!! Evidently not

[furryboo]

Re: Debt and Loan Help Pleazzzzzzee.......

Thanks clever clogs!

Does it make a difference if I report the card lost or stolen?

I am so nervous about which one to do with regards writing to the payday people or the bank! What impact will each one have?

Thanks

furryboo

[CleverClogs (RIP)]

Re: Debt and Loan Help Pleazzzzzzee.......

OK, how many of you have down this and it worked! I just don't know whether they will believe me!

I haven't, but I'd not need to do that as I rarely take out any continued payment mandate over which I do not have complete control.

As for whether or not one would be believed, the only objection that the bank might have would be if you'd used the card for transactions such as shopping after the date you claimed it was stolen.

I believe a safer way would be to write to the bank, using Regulation 55 (3) and (4) of the Payment Services Regulations 2009 (link) to withdraw or revoke one's consent from a transaction or a series of transactions with a stated payee or payees.

No explanation needs to be given to the bank as to why one's consent has been revoked.

[furryboo]

Re: Debt and Loan Help Pleazzzzzzee.......

No! I don't! Just worried about fraud etc..I was thinking I did sign contracts with these people but they were not paper contracts!

Thanks

furryboo

[furryboo]

Re: Debt and Loan Help Pleazzzzzzee.......

OK, how many of you have down this and it worked! I just don't know whether they will believe me!

Thanks

furryboo

[Deepie]

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

see post 47..............

[furryboo]

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

[Deepie]

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

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,

[furryboo]

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

[CleverClogs (RIP)]

Re: Debt and Loan Help Pleazzzzzzee.......

A field collector would be much more appropriate in this case...

He'd need a big lorry to collect an entire field.

[SaltnVinegar]

Re: Debt and Loan Help Pleazzzzzzee.......

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

[Never-In-Doubt]

Re: Debt and Loan Help Pleazzzzzzee.......

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!

[CleverClogs (RIP)]

Re: Debt and Loan Help Pleazzzzzzee.......

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.

[Never-In-Doubt]

Re: Debt and Loan Help Pleazzzzzzee.......

They'd still call you thinking you work as a cabbie....