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  • #1

    Payday Loan Companies - How they spam you for new business

    Hi All

    So over the last couple of years my mailbox has been bombarded with emails from payday loan companies for new business.

    Now apparently the payday loan industry has cleaned up its act, and doesn't encourage people to borrow more than they can afford etc.

    So I thought I would start keeping a daily diary of the number of marketing emails I get from these companies to see whether this is really true or not.

    I'll record this in the following format:

    Payday Loan Company:
    Amount I can allegedly borrow:
    APR displayed on email: Yes/No
    APR (if displayed):

    To get started this is what I've received today:

    Payday Loan Company: Txtloan
    Amount I can allegedly borrow: £300
    APR displayed on email: No

    Payday Loan Company: Gatekey Lending
    Amount I can allegedly borrow: £1200
    APR displayed on email: Yes
    APR (if displayed): 1737%

    Payday Loan Company: UKPayDayToday.co.uk
    Amount I can allegedly borrow: £1000
    APR displayed on email: Yes
    APR (if displayed): 1737%

    Payday Loan Company: PayDaySource.co.uk
    Amount I can allegedly borrow: £1000
    APR displayed on email: Yes
    APR (if displayed): 1737%

    Now what is interesting is that THREE of those emails gave the same postal address namely 145-157 St John Street London.

    This is also the same address as my friends from Quick Quid (aka Cash Euronet). Nothing like transparency is there?!

    Best
    SnV
    Last edited by SaltnVinegar; 10 August 2012, 15:51. Reason: Removed typo
    "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.
    Tags: act, address, amazon, apr, bank, broker, brokers, business, cag, cap, cash, comi, companies, credit, data, email, emails, euro, firms, friends, house, ico, insurance, lending, loan, loans, london, manchester, marketing, money, offers, office, oft, payday, payday loan, paydayloans, pdl, phone, pig, quickquid, services, shared, sharks, spam, text, txt, update, urgent, website
  • #2
    Re: Payday Loan Companies - How they spam you for new business

    they must have got your email from somewhere because i dont get those sorts of spam mails.

    Most spam is general mail shots but i think paydayloans are specific marketing based on email subscriptions from somewhere
    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

    • #3
      Re: Payday Loan Companies - How they spam you for new business

      Originally posted by SXGuy View Post
      they must have got your email from somewhere because i dont get those sorts of spam mails.

      Most spam is general mail shots but i think paydayloans are specific marketing based on email subscriptions from somewhere
      Hi,
      We are the same as SnV get at least 10 a day from txt loan payday pig ect the only website we have used are for house insurance or amazon but they keep coming

      Comment

      • #4
        Re: Payday Loan Companies - How they spam you for new business

        was the house insurance via a comparison website?
        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

        • #5
          Re: Payday Loan Companies - How they spam you for new business

          Originally posted by SXGuy View Post
          was the house insurance via a comparison website?
          go compare go compare if you choose you wont lose go compare

          Comment

          • #6
            Re: Payday Loan Companies - How they spam you for new business

            Theres your answer then they are notorious for dishing out emails to spam.
            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

            • #7
              Re: Payday Loan Companies - How they spam you for new business

              Originally posted by SaltnVinegar View Post
              Now what is interesting is that THREE of those emails gave the same postal address namely 145-157 St John Street London.

              This is also the same address as my friends from Quick Quid (aka Cash Euronet). Nothing like transparency is there?!
              That's a virtual office, kind of like our registered address in Manchester, ie we're never there!

              See this ---> Virtual Office Services | London Virtual Offices or this one Mail Forwarding, Business Address | London Presence

              ^^^ Not a suggestion to use these firms, both are way overpriced in our opinion!
              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

              • #8
                Re: Payday Loan Companies - How they spam you for new business

                Originally posted by Flowerpower
                S&V has applied for PDLs in the past which would involve supplying them with an email address. It is very likely those sharks would have shared his email address with other sharks and their brokers.

                I've never had PDL spam despite using an email address I registered in 2001 where I've received all sorts of other spam and hundreds of phishing emails. But I've never applied for a PDL!
                never applied for a PDL either but the offers keep coming(although if we applied even they would not be that stupid)

                Comment

                • #9
                  Re: Payday Loan Companies - How they spam you for new business

                  Originally posted by helmsman View Post
                  go compare go compare if you choose you wont lose go compare
                  I used to get them after checking insurance on Co Compare.

                  As they come through, just add them to your Junk Senders list.

                  Comment

                  • #10
                    Re: Payday Loan Companies - How they spam you for new business

                    Originally posted by Flowerpower
                    You mean your friends who are trading under company that has been closed since 2010?
                    The very same!!
                    "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

                    • #11
                      Re: Payday Loan Companies - How they spam you for new business

                      Originally posted by Flowerpower
                      S&V has applied for PDLs in the past which would involve supplying them with an email address. It is very likely those sharks would have shared his email address with other sharks and their brokers.
                      Yes this is most likely the case - and why it demonstrates that these companies do not care one iota about our personal data, nor bombarding people to take out further credit at exortionate interest rates.

                      What I find really disturbing is that Quickquid are bombarding me with emails under different trading names. I wonder what were to happen if I were to apply to one of these companies and handed over my bank details?.......
                      "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

                      • #12
                        Re: Payday Loan Companies - How they spam you for new business

                        Originally posted by Never-In-Doubt View Post
                        That's a virtual office, kind of like our registered address in Manchester, ie we're never there!

                        See this ---> Virtual Office Services | London Virtual Offices or this one Mail Forwarding, Business Address | London Presence

                        ^^^ Not a suggestion to use these firms, both are way overpriced in our opinion!
                        A virtual address for a company that, according to companies house, ceased trading over 2 years ago!
                        "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

                        • #13
                          Re: Payday Loan Companies - How they spam you for new business

                          Originally posted by SaltnVinegar View Post
                          Yes this is most likely the case - and why it demonstrates that these companies do not care one iota about our personal data, nor bombarding people to take out further credit at exortionate interest rates.

                          What I find really disturbing is that Quickquid are bombarding me with emails under different trading names. I wonder what were to happen if I were to apply to one of these companies and handed over my bank details?.......
                          Also advertising on CAG now!

                          Comment

                          • #14
                            Re: Payday Loan Companies - How they spam you for new business

                            Yep, Thats about the size of it FP.

                            Comment

                            • #15
                              Re: Payday Loan Companies - How they spam you for new business

                              Originally posted by SaltnVinegar View Post
                              A virtual address for a company that, according to companies house, ceased trading over 2 years ago!
                              Yep, that's about right mate - we're talking PDL's remember - not exactly Mr Honesty now are they
                              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

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