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

[furryboo]

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

Reply from Capital finance: -

Good afternoon,

Thank you for your response.

Our bank details are below:

CFO
Natwest
Sort Code: XXXXXX
Account Number: XXXXXXX
Please quote your name and reference number XXXXXX when making this payment.


Please note that the collection procedures will continue and you will also still incur added interest on your account.

Kind Regards,

Leigh
Collections Admin Team

Very good, jsut need to stop the interest now!

furryboo

[Never-In-Doubt]

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

Reply from Capital finance: -

Good afternoon,

Thank you for your response.

Our bank details are below:

CFO
Natwest
Sort Code: XXXXXX
Account Number: XXXXXXX
Please quote your name and reference number XXXXXX when making this payment.


Please note that the collection procedures will continue and you will also still incur added interest on your account.

Kind Regards,

Leigh
Collections Admin Team

Very good, jsut need to stop the interest now!

furryboo

Try this approach;

Dear Leigh,

Thanks for your email. I note you state that interest will continue to be applied yet surely you must appreciate that is the equivalent of giving a drug addict free needles, i.e. I have stated I am unable to pay due to my finances yet here you are trying to cripple me with additional charges.

I suggest you reconsider and agree to full repayment of the balance as at today's date (via agreed instalments) as this is all I am going to consider repaying, if you add interest and charges then forget it - It's pointless my even attempting to repay this.

Make an informed decision, come back to me and confirm it then we'll try and resolve this matter. Keep messing around and forget it - do what you want, you can't have what I don't have.

Yours sincerely,


Name

[furryboo]

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

Sent...

Thank you

furryboo

[furryboo]

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

Reply from Capital Finance: -

Good afternoon,

Thank you for your email.

Unfortunately this is stated in your contract, the added interest will continue to be applied.



Kind Regards,

Leigh
Collections Admin Team

furryboo

[furryboo]

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

Reply from Poundsto pockets: -

Dear ,
Customer #
*In regards to your email, we work with debt management companies to assist customers who have met financial hardships. If a customer has not sought assistance with a debt management company our collections department assists in setting up responsible repayments once your account has fallen into default. Furthermore, we have offered a Pholiday to a lot additional time to make your next payment on time. Please advise us if this would be of assistance.
If you have any queries, please contact our Customer Service team via phone, email or online chat.
Pounds to Pocket Customer Service
2011 Credit Today Alternative Lender of the Year Finalist Direct Line: 0800 635 0841
Fax: 0808 234 9327
Support@PoundstoPocket.co.uk
www.PoundstoPocket.co.uk
Call free from landlines. Mobile phone companies may charge up to 40p per minute.
Please note that Pounds to Pocket only operates on the PoundstoPocket.co.uk domain and never requests customers to click on an email link to read a personal message or to reset their password.
Meagan G

furryboo

[CleverClogs (RIP)]

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

I note you state that interest will continue to be applied yet surely you must appreciate that is the equivalent of giving a drug addict free needles, i.e. I have stated I am unable to pay due to my finances yet here you are trying to cripple me with additional charges.

I disagree.

Providing junkies with free needles is beneficial, as it may prevent them contracting hepatitis or AIDS, whereas charging additional interest to an impecunious debtor hardly helps anyone.

[CleverClogs (RIP)]

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

Reply from Capital Finance:

Please remind me which bunch of loan shits they are or to which contract Princess Leigh refers.

[Never-In-Doubt]

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

Reply from Capital Finance: -

Good afternoon,

Thank you for your email.

Unfortunately this is stated in your contract, the added interest will continue to be applied.



Kind Regards,

Leigh
Collections Admin Team

furryboo

respond as follows;

Then you leave me no option but to confirm I will not be repaying this bottomless pit.

If you change your mind, you have my email address and know how to reach me.


See what they come back with. Obviously you need to be brave and not pay. Let em sell it and in the meantime save as much as you can. Once sold to a dca we can look at a f&f offer to settle.

If you're happy of course? But that's what I would do.

[furryboo]

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

I am not afraid of not paying! And I don't really care if it goes to a DCA! I am sure they will be more fourth coming with stopping the interest and getting there money back!

Leigh is from Capital Finance!

Thanks furryboo

[Never-In-Doubt]

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

Hiya

Ok well send that and see what they say! That'll get their attention and if they sell it great, then lets sort a F&F to get rid without any charges

[CleverClogs (RIP)]

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

So what's wrong with "Dear Leigh, Get bent!" ?

[furryboo]

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

Next reply from paydayuk: -

Dear ,
Many thanks for your email.
Before we can discuss a payment plan we will need to try for payment as per your Loan Agreement terms and conditions on 28/03/2012. If this payment fails then a member of our Repayment Team will contact you.
Payment is taken from the Debit Card provided and not by Direct Debit. Please check with your card issuer regarding any authorisation charges.
As we work with a Credit Reference Agency, we share your account information on a monthly basis, so when you repay your loan on time, this could also help to improve your credit rating. However if you do not repay on time this could have a negative impact on your credit rating.
If you have any further queries please do not hesitate to contact us on 0871 271 6111^ (Call charges apply – 10p per minute from BT landlines, mobiles and other providers may vary). Our office is open 9am - 8.30pm Monday to Friday and 10am - 4pm on Saturday.
Kind Regards,
Faye

[furryboo]

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

And so it begins: -

Dear Mr

Client Reference:


We have applied for your loan repayment of £450.00 by debit card. However, the payment was not authorised and is therefore overdue.

As we have not received any communication to the contrary, our assumption is that you require the loan to be extended and so we will attempt to do this for you over the next 7 days by your debit card at our discretion.

Should we fail to be successful in extending the loan then as per the terms and conditions of your agreement with Payday Express, we will apply a default fee and an interest charge calculated against your overdue account balance.

If you do not require your loan to be extended, you must contact our offices on 0800 0126 860 between 08.00 and 19.00, Monday to Friday or 09.00 and 13.00 on Saturday, and repay the full amount overdue.

If you have already contacted us regarding this matter please disregard this communication.

Yours sincerely,

Payday Express
Collections Department

[furryboo]

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

and the next one: -

Dear
Your repayment of £437.50 due to PaydayUK (MSPD) was not authorised and your loan has now been passed to our collections team. Please be aware that failure to repay your Payday Loan will result in your account falling into arrears and possible charges could be accrued and that if you do not repay your loan and fail to contact PaydayUK (MSPD), this may be reported to the credit referencing agency, which could have a negative impact on your credit rating.
1. Have your Debit Card details changed?
If this is the case, you can update your details using the link below:
https://www.memcapital.com/u/cd.aspx?id=15733630&lid=8825106
2. Has your Payday changed?
We understand that your payday may have changed. If this is the case, please call us on 0871 271 6111^.
3. Are you having serious difficulties repaying your Payday Loan?
If you are struggling to repay your outstanding balance, please call 0871 271 6111^(Call charges apply – 10p per minute from BT landlines, mobiles and other providers may vary).
Kind Regards,
Customer Services
PaydayUK (MSPD)
PO Box 255
Bicester
Oxfordshire,OX26 4ZY
Telephone: 0871 271 6111^
Fax: 0845 127 4365
www.paydayuk.co.uk

[furryboo]

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

and the next one: -

Hi ,
Loan Agreement Ref :
Please pay your Wonga loan today to avoid charges being added to your account
We have just tried to collect your promised repayment from your chosen debit card and, unfortunately, the payment was declined by your bank.
We understand that juggling your finances can be tricky and mistakes happen, so we hope we can sort things out today and then we`ll be here next time you may like to use our service.
Please pay £1,400.59 which is the original loan amount and the interest accrued before 5pm today. You can bring your account up to date by logging in to the My Account section of the Wonga.com website and selecting "Repay my loan" or you can repay us using our automated payment line on 0207 183 0063.

As our collection attempt was declined by your bank, a fee may be added to your balance. If we still haven`t received full repayment by 5pm today, you will incur a £20 missed payment fee towards the cost of a failed collection. You should also be aware that we will make further attempts to collect the money you owe us from your debit card, either in one payment or in several amounts, during the course of today and on a continuous basis until the amount you owe is repaid. If you are experiencing a short term cash flow problem and need to borrow the money for a longer period then depending upon your circumstances we may be able to arrange this.
If however you are experiencing real financial difficulties paying then you need to speak to us urgently.
Whatever the problem, please do get in touch with us as soon as possible on 0207 138 8332.
Be assured we want to help.
Remember that settling your balance in full before 5pm today will mean you avoid paying the missed payment fee and:

• You won`t accrue any further interest
• Your repayment will be reported to credit reference agencies in a positive way
• Your trust rating will be protected and you will be welcome to apply again in the future

Best regards,
Customer Care
www.wonga.com
Wonga.com is a trading style of Wonga.com Ltd. Registered in England and Wales. Registered Number: 6374235. Registered Address: 88 Crawford Street, London, W1H 2EJ
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