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I stupidly took out a payday loan 2 years ago from TXTloan. It was originally for £100 + £17 interest (over 14 day period)
There were insufficent funds in my account at the time of collection and it was bounced by my bankers. Over the course of two months the final balance ended up to be £277.
I heard nothing about it until 12 months ago when i received a letter from Advantis Credit. At the time i offered to repay them the loan plus interest which was £117. They flatly refused. They bounced it back to TXTloan.
Today out of the blue I have received a letter from VILCOL demanding repayment for £277.
Im really angry about this since I agreed to repay the initial loan plus interest which was flatly refused.
Shall i stick to my guns with this new DCA? I have checked my credit file and this loan doesnt appear anywhere.
If i fail to pay could they default me and obtain a CCJ? Just wondering if PDL companies do go for ths route?
Any advice would be appreciated. Thanks in advance.
There were insufficent funds in my account at the time of collection and it was bounced by my bankers. Over the course of two months the final balance ended up to be £277.
I heard nothing about it until 12 months ago when i received a letter from Advantis Credit. At the time i offered to repay them the loan plus interest which was £117. They flatly refused. They bounced it back to TXTloan.
Today out of the blue I have received a letter from VILCOL demanding repayment for £277.
Im really angry about this since I agreed to repay the initial loan plus interest which was flatly refused.
Shall i stick to my guns with this new DCA? I have checked my credit file and this loan doesnt appear anywhere.
If i fail to pay could they default me and obtain a CCJ? Just wondering if PDL companies do go for ths route?
Any advice would be appreciated. Thanks in advance.
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