PDL Diary

[winjas]

Right i tried the nicely nice approach to PDLs i owe and for two months have got nowhere at all! So i am switching to Niddys PDL Templates (the living in car ones! ) and thought it would be good to create a topic seeing how we get on. Something tells me this topic could run for a year or two, in a similar vain to Jons PDL hell

[winjas]

Re: PDL Diary

**Figures are approximate currently, until i delve into email archives and edit**

--

Wonga
Loan = £400
November 2012
Owing = £565
PDL Template 1 sent = February 2013


Wage Day Advance
Loan = £200
October 2012
Owing = £420
PDL Template 1 sent = February 2013


Payday UK
Loan = £200
November 2012
Owing = £350
PDL Template 1 sent = February 2013


Quick Quid
Loan = £400
October 2012
Owing = £600
PDL Template 1 sent = February 2013


Payday Express
Loan = £200
December 2012
Owing = £ 280
PDL Template 1 sent = February 2013


1st Stop
Loan = £275
December 2012
Owing = £350
PDL Template 1 sent = February 2013

[winjas]

Re: PDL Diary

Now that looks depressing eh
I knew i was in a mess, but looking at it like that..........sheesh, ever feel like slapping yourself hard in the face?!

[SXGuy]

Re: PDL Diary

We all do silly things, main thing now is to get yourself back in the driving seat (like the pun with niddys templates?)

[SaltnVinegar]

Re: PDL Diary

Hi Winjas

With the exception of 1st stop I have dealt with all of the above.

The PDL 'industry' is under heavy scrutiny at the moment. Should you get any hassle from them theres lots we can do to put the pressure right back on them as a couple of the ones you mention above are at risk of losing their consumer credit license (though how real this actually is may be open to debate).

I think we can get them crawling back under the rocks they have come from.

Best
SnV

[winjas]

Re: PDL Diary

Have two replies already, I am in shock!

Ok so how do u respond to these ?


Wage day advance
----------------------
Please advise why you are unable to clear the balance in full? How have your circumstances changed since taking the loan to result in you being unable to make the full repayment? Please also be aware that we are unable to remove all contact details until an alternative address and contact telephone number is provided, Please advise?


Quick Quid
-------------
Thank you for contacting us and informing us about your financial hardship. In order to help us find a repayment option that is affordable for you please fill out the attached financial statement form to the best of your ability. It asks for information such as your monthly income, regular expenses, and other current debts. The form is designed to be filled out on your computer with Adobe Reader. Please complete and return via email to resolution@quickquid.co.uk within 5 days.

If you have any questions about the form or would like to speak with someone further about your hardship our resolution team is here to help. They can be reached Mon – Fri08:00 – 21:00 at (0)0800 016 3114 or anytime at resolution@quickquid.co.uk.



Now as we told them I am out of work and in my car? A income and expenditure form?


Do I ignore these or send another template?


On a side note anything be done about calls? Been getting 10-15 a day from Payday Express that are just "silent calls"

[jon1965]

Re: PDL Diary

Payday express are a right bloody nightmare. I was getting that number of calls, one from a London number and one from a Nottingham one. I used call blocker on my android mobile which worked a treat. Eventually they gave up.
I assume they are coming to your mobile?

I would send a suitably edited telephone harassment letter noting that they are silent calls.

If it helps I found Wonga have shut up.
WDA have been like a dog with a bone,
PDE went quiet then have passed it on to DCA.
Quick quid screwed up and sent me a letter saying the account was closed with a zero balance and had not been sold to anyone, that really pissed off McKenzie Hall
PayDayUK (I think that is MEM) were a pain and I eventually went to the FOS about them. My complaint was upheld and they offered me a vastly reduced payment or possible write off. I have not been back in touch since

These are not all companies listed in my PDL hell thread...I never learned my lesson although I have now. Some of them are from a while ago when i was on a DMP

Hope that helps

[winjas]

Re: PDL Diary

Thanks Jon

Yes my mobile phone, record was 26 calls on Tuesday! All from there 0115 number. Sadly my phone can't do any kind of call blocker. I usually hit accept call and then hang up! Not sure if this is best approach. I better have a look and find the harassment letter.

[winjas]

Re: PDL Diary

Also today had second email from WDA, asking for a form completed (income, expenditure etc).
So now have 2 PDLs wanting forms returned, what's best response bearing in mind the email I sent them is Niddys PDL template 1. ?

[jon1965]

Re: PDL Diary

Personally i think it depends on your situation.
Isn't there a PDL letter 2 to send I can't remember

[Tinkers78]

Re: PDL Diary

Hi there
I'm about to default with wonga, payday express, payday uk next week
I'm scared also, I got lots of advise on this site and have written letters to post next week, have also arranged for wages to go to another bank.
I hope they accept payment plans I propose, like u said we need a good slap and can hopefully get ourselves away from this dreadful nitemare I copied a letter I got on here to send, hope it works

[SaltnVinegar]

Re: PDL Diary

Thanks Jon

Yes my mobile phone, record was 26 calls on Tuesday! All from there 0115 number. Sadly my phone can't do any kind of call blocker. I usually hit accept call and then hang up! Not sure if this is best approach. I better have a look and find the harassment letter.

Hi Winjas

That is unreasonable and harassment in anyones book. What you need to do is to answer the phone, refuse to answer security questions, state that you do not discuss personal matters on the phone, and ask them not to call again.

You then send the telephone harassment letter.

If they ignore both of these, which they will invariably do, then as long as you continue to keep a record of the number and frequency of the calls you will have real grounds for a complaint based on harassment.

best
SnV

[SaltnVinegar]

Re: PDL Diary

Also today had second email from WDA, asking for a form completed (income, expenditure etc).
So now have 2 PDLs wanting forms returned, what's best response bearing in mind the email I sent them is Niddys PDL template 1. ?

Personally i think it depends on your situation.
Isn't there a PDL letter 2 to send I can't remember

Remember its very likely that the I/E sheets they have sent you will not be in the recognised Common Financial Statement format, will not accept the recommended trigger figures, because they want it to be weighted in their favour to get more money than you can realistically afford.

Besides, even if you were on a DMP, or making payment arrangements, payday loans, like catalog debt, is the lowest of the low when it comes to priority.

What letter could you write?

Dear Mr PDL company

I refer you to my letter dated xx/xx/xxxx.

I am not sure which part of it is difficult for you to understand?

Your latest correspondence, which appears to be a poorly thought out template letter you send to all your 'customers' does nothing to acknowledge my personal circumstances or your conduct in relation to responsible lending policies published by the FSA.

Let me be clear:

I am not in a position to repay this loan, nor am I ever going to be.

Consequently, I refer you to the case of "Arkell v Pressdram" as my response and opinion will be of the same nature.

Or something like that anyway.

[winjas]

Re: PDL Diary

Thanks i will send them something along those lines then. And look into the harassment thing too.

[SaltnVinegar]

Re: PDL Diary

Thanks i will send them something along those lines then. And look into the harassment thing too.

Just make sure you're clear what the reference to Arkell v Pressdram means - you may not actually want to quote this though it would be fun if you did