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

[furryboo]

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

What I love is that all 3 are acting like I hadn't told them I was going to pay it! Surly this will act in my favour?

Thanks

furryboo

[Never-In-Doubt]

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

Hi

Can you do me a favour and list each of the PDL's you have as right now you're loading letters etc here but I am buggered if I know what the hell you're doing cos there is nothing from you saying what is what!!

Please start again, tell us (do this one per account):

Name of PDL:
Amount Borrowed:
Date of original loan:
Due date:
Paid or missed:

Then a history underneath of what you've done, i.e.

History:

01 March - send the template Niddy did on 25.02.2012
03 March - got email saying piss off you smell
05 March - replied with the letter below....


Get the idea?

Please do this in here then I will tidy or redo a new thread for you as this is a nightmare and we'll make mistakes if it continues.

Ideally, what we do for one company should be transferred to all of them so you send the same replies to all lenders.

Anyway, I await your reply.....

[furryboo]

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

Name of PDL: Wonga
Amount Borrowed: £1092.00
Date of original loan: 29/02/12
Due date: 28/03/12
Paid or missed: Missed

History:

22/03/12 Sent this to Wonga

Dear Sirs,

Ref:

I write with reference to the outstanding balance on this account. Unfortunately due to a personal mental health family issue I cannot afford to repay the balance outstanding.

I do not want any correspondence sent to any address you hold on file or any phone calls at the moment. Given the nature of things I can afford to pay £25 a month and would like instruction on how to set this arrangement up. I would also ask that all interest be frozen until further noticed. When things get settled emotional and finacially I'll be in touch with new details.

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

Email address:

Yours faithfully,

On 23/03/12 they replied

Hi ,



Thank you for getting in touch with us. Now we aware that you are experiencing some level of financial hardship,
We now need you to complete and return the attached financial statement and provide us with your reason for your current financial hardship, along with any evidence to support that fact, within 31-day period.

It is important that we receive the completed form quickly, so we can assess your situation and decide the best solution for both of us. On receipt of this information, we will review its contents and respond to you accordingly.

If you need to speak to anyone here in the meantime, please do not hesitate to call our friendly Hardship Team on 08448 429 110, or reply with a convenient time for us to call you.

Kind Regards



Hardship Team
Wonga.com
08448 429 110
debtmanagement@wonga.com

No further action taken!

[furryboo]

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

Sorry got this off Wonga today also: -

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
docref[A2]

[CleverClogs (RIP)]

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

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

That is not the address given on their Consumer Credit Licence, details of which I have attached.

[furryboo]

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

Ok, does that mean anything?

Will upload other details asap!

Thanks

furryboo

[Never-In-Doubt]

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

That is not the address given on their Consumer Credit Licence, details of which I have attached.

Page 2 - at the base mate (Registered Office)....

However I did chuckle at the "Minded to Impose Requirements"

[Never-In-Doubt]

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

Ok, does that mean anything?

nope, not really

[furryboo]

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

LOL!!!

Ok what does all this mean?

What do I do next?

Had a text and a missed call from them.

furryboo

[Never-In-Doubt]

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

LOL!!!

Ok what does all this mean?

What do I do next?

Had a text and a missed call from them.

furryboo

Finish loading all the details then let me organise it all into a readable format then I'll sort you specific responses to each!

Chill - one thing at a time.

Please finish confirming each PDL you borrowed from!

Thanks

[CleverClogs (RIP)]

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

Page 2 - at the base mate (Registered Office)....

Under the heading of "Historic Address(es)" - ie where they've been in the past but now are not?

However I did chuckle at the "Minded to Impose Requirements"

Dated 12 July 2011.

Nobody could ever accuse the Office of Farting and Time-wasting of being hasty, could they?

[furryboo]

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

Name of PDL: Capital Finance
Amount Borrowed: £450.00
Date of original loan: 16/03/12
Due date: 28/03/12
Paid or missed: Missed

History:

Sent them this on 23rd March 2012

Dear Sirs,

Ref: Outstanding Loan in the name of

I write with reference to the outstanding balance on this account. Unfortunately due to a personal mental health family issue I cannot afford to repay the balance outstanding.

I do not want any correspondence sent to any address you hold on file or any phone calls at the moment. Given the nature of things I can afford to pay £25 a month and would like instruction on how to set this arrangement up. I would also ask that all interest be frozen until further noticed. When things get settled emotional and finacially I'll be in touch with new details.

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

Email address: Yours faithfully,

They replied with this on 26th March 2012

Good afternoon,

Thank you for your email.

I am willing to accept the offer of £25.00 per month for 3 months only.

Please advise how you will be making this payment.


Kind Regards,

Leigh
Collections Admin Team

I replied with this on 26th March 2012

Dear Leigh,

If you supply me with your bank details I can make these payments by standing order!

Regards

They replied with this on 26th March 2012

Good afternoon,

Thank you for your response.

Our bank details are below:

CFO
Natwest
Sort Code:
Account Number:
Please quote your name and reference number 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

I replied with this on 26th March 2012

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 settlement of the balance as at today's date 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,

They replied with this on 26th March 2012

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

So I replied with this on 27th March 2012

Dear Leigh,

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.

Regards

I have had a missed call and 2 text messages today!

[furryboo]

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

Name of PDL: Pounds to Pockets
Amount Borrowed: £800.00
Date of original loan: 30/01/012
Due date: 28th of each month
Paid or missed: Paid first 1st installment, missed todays!

History:

On the 22nd March 2012 I sent them this

Dear Sirs,

Ref: #

I write with reference to the outstanding balance on this account. Unfortunately due to a personal mental health family issue I cannot afford to repay the balance outstanding.

I do not want any correspondence sent to any address you hold on file or any phone calls at the moment. Given the nature of things I can afford to pay £25 a month and would like instruction on how to set this arrangement up. I would also ask that all interest be frozen until further noticed. When things get settled emotional and finacially I'll be in touch with new details.

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

Email address:
Yours faithfully,

On 22nd March 2012 they replied with

Dear Customer
*In response to your query, at this time we can not set up a payment plan on your account. Pounds to Pocket does not offer the ability to freeze an account or interest, as well as we can not change monthly payment amounts. We do apologize for any inconvenience for any financial hardships you are experiencing. At this time in order to better assist you and to prevent the account from going into default, we can offer a one time courtesy adjustment rescheduling your March payment. Payment # 2 can be rescheduled from the 28th of March 2012 to the 28th of February 2013. If this is something of interest to you please respond immediately in order to make the appropriate adjustments.
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

On 26th March 2012 I senr thme this: -

Dear Megan,
The OFT guidelines suggest that lenders work with debtors to reduce arrears. How, if you don't offer repayment plans, you plan on meeting this criteria?
Regards


On 26th March 2012 they replied with

Dear Sir,
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

I have not yet replied. Has a text today though.

[furryboo]

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

Name of PDL: Payday UK
Amount Borrowed: 390.00
Date of original loan: 08/12
Due date: 28/03/12
Paid or missed: Deferred 3 months paying only interest, now missed!

History

On 23rd March 2012 I sent them this

Dear Sirs,

Ref: Outstanding Loan in the name

I write with reference to the outstanding balance on this account. Unfortunately due to a personal mental health family issue I cannot afford to repay the balance outstanding.

I do not want any correspondence sent to any address you hold on file or any phone calls at the moment. Given the nature of things I can afford to pay £25 a month and would like instruction on how to set this arrangement up. I would also ask that all interest be frozen until further noticed. When things get settled emotional and finacially I'll be in touch with new details.

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

Email address:

Yours faithfully,

On 26 March they replied with

Dear ,
Many thanks for taking the time to contact us to explain your current situation.
In order for us to fully respond to your request we do require confirmation of your condition from a medical professional. As such, please provide us with a signed letter or certificate from your General Practitioner (or the medical professional responsible for your care) confirming your current condition we will be able to look into this matter further and see what we are able do to assist you.
Please fax the requested documentation to 0845 127 4365. If you are unable to provide this documentation via fax, we are able to accept it via email (in either a JPEG or PDF format). Our email address is: documents@paydaycontact.co.uk.
Kind Regards,
Faye

On 26th March I sent this

Dear Faye,
The OFT Guidelines do not mention anything about such, I am simply saying I am unable to repay this as per the agreement and thus I am offering £25 per month for the time being until I get sorted.
I am not asking permission, I am telling you this is the way it is.
Regards

On 27th March they replied with this: -

ear ,
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

Today I got this:

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

Have had 1 text from these today also.

[furryboo]

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

Name of PDL: Payday Express
Amount Borrowed: £360.00
Date of original loan: 01/03/2012
Due date: 28/03/12
Paid or missed: Missed

History:

Dear Sirs,

Ref: Outstanding Loan in the
I write with reference to the outstanding balance on this account. Unfortunately due to a personal mental health family issue I cannot afford to repay the balance outstanding.

I do not want any correspondence sent to any address you hold on file or any phone calls at the moment. Given the nature of things I can afford to pay £25 a month and would like instruction on how to set this arrangement up. I would also ask that all interest be frozen until further noticed. When things get settled emotional and finacially I'll be in touch with new details.

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

Email address:
Yours faithfully,

No reply us of yet!