TxtLoans

[Pixie]

Re: TxtLoans

Very well said SnV

[CAPS ESC]

Re: TxtLoans

......................
You want to cost them money write a formal complaint, you can see their formal complaints procedure here:

Complaints | Lucas Credit Services

Make sure you put it in writing - paper trail is essential because they HATE paper trails!

You can see the complaints process itself will cost them money, and I'd be pretty sure the fact you have an FOS ruling in your favour they will return the account as they will not want to risk the cost of an FOS investigation as any money they will make from collecting the debt will be wiped out!

Your complaint will have multiple levels:

1) You've made significant effort to resolve which has been ignored
2) You have followed txtloans formal complaints procedure which they have rejected
3) You have escalated to the FOS who found in favour of your complaint
4) The MD of txtloans is refusing to accept the FOS decision
5) That txtloans is continuing to harass you in contradiction to the FOS decision
6) That txtloans has used Lucas Credit Services in continuation of their conduct of harassment

Serious - you will cause them a massive headache.

Excellent advise S&V

and I am really pleased you've found a way forward Diasflac
you'll stay looking squeaky clean and give them plenty hassle, just what you (and most of us) want.

[Diasflac]

Re: TxtLoans

I see your point, this is what I'll do then. I have some sympathy for these DCA's occasionally (very rarely), the creditor seems to tell them nothing and they have to do all the hard work, then again they're vultures and it's the job they chose.

I'll begin writing my complaint letter asap, thank you.

[SaltnVinegar]

Re: TxtLoans

The forum hasn't given me 3 months of stress non-stop to warrant me lying.

No but you can see my point yeah?

The fact they've been harassing you is exactly why you shouldn't lie - you've done all the hard work, why hamstring yourself now?

I've helped thousands of people with payday loans over the last 2 years and I'll be honest in that with your FOS ruling, you have one of the strongest positions I've ever seen against a PDL company. In many instanced the FOS have washed their hands.

You're literally pressing a self destruct button by giving them ammo to use against you and portray you as a debt dodger not someone trying to sort things out.

If that is out of the question, is there anything not lying I can do to give them work to do? Vague letters or queries etc? The whole point is to get my own back, at the minute automated e-mails and letters aren't really much work for them. I want someone in their office to be physically sifting through paperwork etc.

I know its hard as these things are so personal but you need to stop thinking in terms of 'getting your own back'. You will just be a number on a balance sheet or a call system to them.

As far as the DCA are concerned they will probably know little more other than what txtloans will have told them which is likely to be 'Diasflac owes £££'.

I would not be surprised whatsoever that Lucas Credit Services haven't been told about the FOS ruling, and when they do they will probably drop the account hotter than a very hot thing.

You want to cost them money write a formal complaint, you can see their formal complaints procedure here:

Complaints | Lucas Credit Services

Make sure you put it in writing - paper trail is essential because they HATE paper trails!

You can see the complaints process itself will cost them money, and I'd be pretty sure the fact you have an FOS ruling in your favour they will return the account as they will not want to risk the cost of an FOS investigation as any money they will make from collecting the debt will be wiped out!

Your complaint will have multiple levels:

1) You've made significant effort to resolve which has been ignored
2) You have followed txtloans formal complaints procedure which they have rejected
3) You have escalated to the FOS who found in favour of your complaint
4) The MD of txtloans is refusing to accept the FOS decision
5) That txtloans is continuing to harass you in contradiction to the FOS decision
6) That txtloans has used Lucas Credit Services in continuation of their conduct of harassment

Serious - you will cause them a massive headache.

[Never-In-Doubt]

Re: TxtLoans

then report them to the FOS/OFT etc which naturally creates a paper trail.

What you are suggesting is bonkers, being honest mate. Do it properly, formally and get them on regulatory matters

[Diasflac]

Re: TxtLoans

Its really simple - if you lie, and they can demonstrate you have, you destroy your own credibility. I don't understand why you would do this when you have so much going on your favour to start with.

You have no reason to lie - they do this enough themselves for you to catch them out and once you have then this is enough in itself to give them plenty of work.

And please don't take this the wrong way but it also makes it difficult to give you advice because if you state very candidly you're prepared to lie to a creditor then you may also be prepared to lie to a forum trying to give you help......

The forum hasn't given me 3 months of stress non-stop to warrant me lying. I can post the e-mail and my response up if you'd like, I haven't lied to this forum. I've not read letters properly and given incorrect figures but it never affected the actual advice.

If that is out of the question, is there anything not lying I can do to give them work to do? Vague letters or queries etc? The whole point is to get my own back, at the minute automated e-mails and letters aren't really much work for them. I want someone in their office to be physically sifting through paperwork etc.

[SaltnVinegar]

Re: TxtLoans

Its really simple - if you lie, and they can demonstrate you have, you destroy your own credibility. I don't understand why you would do this when you have so much going on your favour to start with.

You have no reason to lie - they do this enough themselves for you to catch them out and once you have then this is enough in itself to give them plenty of work.

And please don't take this the wrong way but it also makes it difficult to give you advice because if you state very candidly you're prepared to lie to a creditor then you may also be prepared to lie to a forum trying to give you help......

[Diasflac]

Re: TxtLoans

Hi Diasflac

TBH your one mistake here is to have responded to them in the first place via email.

Why lie? You have absolutely no reason to do so. You have a ruling from the FOS which their MD is refusing to acknowledge. You couldn't have them more by the short and curlies if they tried as if this ever went before a court (which it won't), you would slaughter them.

Theres all sorts of things that could go wrong for them here - unlawful charges, refusal to acknowledge the recommendation of the FOS, breach of OFT guidelines, irresponsible lending practices, unreasonable behaviour etc.

Remember the FOS investigation would probably have cost them £500 already.

I'd not pay them a single penny at this point and if they email you again, state that due to their contempt regards the FOS ruling you want all future correspondence to take place in writing and not respond to them again.

If they refuse to do so and keep emailing you then you can use this as further evidence of contempt and breach of OFT guidelines.

They have a ruling against them by the FOS, which you can prove they are ignoring (although this isn't legally binding for them it is bad, bad bad), they have had to remove the default, they are on a losing battle here and they know it which is why they have farmed this out to a bottom feeder to chase.

Best
SnV

Thanks, the only reason I wanted to lie is just to create a mountain of work. It doesn't bother me who they send, it takes me 5 minutes to write an e-mail and if that one e-mail can create them days of work, I'm happy to spend 5 minutes writing one. When this originally occurred, I didn't know about this site and took them head on, on my own with limited knowledge on the process. I won but what they were doing made it easy to do so. It caused me a lot of stress at the time because I intended to borrow the money and pay it back when it was due. Because of all the time I had to deal with it and the worry and stress caused. I'd just like to get some revenge.

Because I have the FOS ruling as back up I'm really not too bothered what they do. If they even applied to court, pre-hearing I would copy the letter and point out I will pay the £150.00 anytime once they acknowledge it's the final balance and have told them this before. It doubt it would even get to a court hearing, the more they waste time trying to recover the £500 the further away the £150 I have to pay gets from ever being. I think it's because I've irritated their MD personally, some sort of vendetta against me, I wouldn't run a company like this/

[SaltnVinegar]

Re: TxtLoans

Hi Diasflac

TBH your one mistake here is to have responded to them in the first place via email.

Why lie? You have absolutely no reason to do so. You have a ruling from the FOS which their MD is refusing to acknowledge. You couldn't have them more by the short and curlies if they tried as if this ever went before a court (which it won't), you would slaughter them.

Theres all sorts of things that could go wrong for them here - unlawful charges, refusal to acknowledge the recommendation of the FOS, breach of OFT guidelines, irresponsible lending practices, unreasonable behaviour etc.

Remember the FOS investigation would probably have cost them £500 already.

I'd not pay them a single penny at this point and if they email you again, state that due to their contempt regards the FOS ruling you want all future correspondence to take place in writing and not respond to them again.

If they refuse to do so and keep emailing you then you can use this as further evidence of contempt and breach of OFT guidelines.

They have a ruling against them by the FOS, which you can prove they are ignoring (although this isn't legally binding for them it is bad, bad bad), they have had to remove the default, they are on a losing battle here and they know it which is why they have farmed this out to a bottom feeder to chase.

Best
SnV

[helmsman]

Re: TxtLoans

It's a pretty damning letter from them, they even state they cannot enforce these charges on me. They can't take me to court for it, they've removed the default... I don't understand what they're doing. I'll pay the £150.00

If they have removed the default they can only default once why pay:?

[helmsman]

Re: TxtLoans

It's a pretty damning letter from them, they even state they cannot enforce these charges on me. They can't take me to court for it, they've removed the default... I don't understand what they're doing. I'll pay the £150.00

Check out saltnvinegars take on these payday loan vultures he has a very good knowledge on these parasites.

[Diasflac]

Re: TxtLoans

The Fobbing Off Service just mediates, I went to the fos and lost to the bank I was awarded £100 for wrong data but lost the case, I returned the cheque to the bank and wrote to the fos refusing their decision (a form was enclosed with their decision to sign if I accepted or declined their decision) and informed the bank also I refused the decision of the fos. I still have the right to go back to court as the fos decision is not binding.

It's a pretty damning letter from them, they even state they cannot enforce these charges on me. They can't take me to court for it, they've removed the default... I don't understand what they're doing. I'll pay the £150.00

[helmsman]

Re: TxtLoans

I didn't think companies could just ignore the FOS. If they can what's the point of regulators

The Fobbing Off Service just mediates, I went to the fos and lost to the bank I was awarded £100 for wrong data but lost the case, I returned the cheque to the bank and wrote to the fos refusing their decision (a form was enclosed with their decision to sign if I accepted or declined their decision) and informed the bank also I refused the decision of the fos. I still have the right to go back to court as the fos decision is not binding.

[Diasflac]

Re: TxtLoans

If the MD of txt loans did not accept the ruling by the FOS I believe (might be wrong) that the status quo remains.

I didn't think companies could just ignore the FOS. If they can what's the point of regulators

[helmsman]

Re: TxtLoans

Exactly why the FOS ruled in my favour.

If the MD of txt loans did not accept the ruling by the FOS I believe (might be wrong) that the status quo remains.