Marling pdl diary

[marling]

Re: Marling pdl diary

hi snv
all emails sent to pdl's on friday 26/7/13

[marling]

Re: Marling pdl diary

email from poundstopocket
saying they will stop interest if i pay balance over 3 months.
also asking about my monthly income, utilty bills, living expenses and other debts.
await advice for reply please snv
cheers marling

[marling]

Re: Marling pdl diary

email from quickquid
happy to assist please call collections team
await advice
regards marling

[SaltnVinegar]

Re: Marling pdl diary

email from poundstopocket
saying they will stop interest if i pay balance over 3 months.
also asking about my monthly income, utilty bills, living expenses and other debts.
await advice for reply please snv
cheers marling

So can you reasonably pay the balance over 3 months? And I mean reasonably as in you won't be leaving yourself seriously short.

If not then we'll be telling them to (politely F.O.)

SnV

[SaltnVinegar]

Re: Marling pdl diary

email from quickquid
happy to assist please call collections team
await advice
regards marling

Yeah right - happy to assist my butt. I'll put together something you can send them.

Best
SnV

[marling]

Re: Marling pdl diary

So can you reasonably pay the balance over 3 months? And I mean reasonably as in you won't be leaving yourself seriously short.

If not then we'll be telling them to (politely F.O.)

SnV

hi snv
ive got no chance, would have to be 24 months tba
thanks marling

[SaltnVinegar]

Re: Marling pdl diary

Hi Marling

Ok no problem. So you need to send them something like this:

Dear <Insert name of payday loan company here>

Ref: <Insert account reference number here>

Thank you for your email in relation to the aforementioned account. In regards to your request that I telephone your collections team, please note that any correspondence should be placed in writing to ensure accuracy in recollection of events should they ever be needed.

As you were previously advised in my email of xx/xx/xxxx - I am completely unable to repay any money in regards to the above account, in fact I am not even able to meet essential financial commitments.

I am receiving professional debt advice in regards to my options, and once all those avenues have been explored I will contact you then. Continuously demanding payment is not going to change my situation and as you have been previously advised I will consider any such demands as harassment.

As also previously requested I ask you to consider to freeze all interest on this account as increasing the balance will not serve either parties at this time.

Regards

Marling

[marling]

Re: Marling pdl diary

wonga
email from wonga...........freezing interest for 38 days, if no contact by me within that time collections activity will restart on account

[marling]

Re: Marling pdl diary

quickquid
no direct reply to my email(snv 29/7/13 template), had 3 overdue payment emails.

[marling]

Re: Marling pdl diary

poundstopocket
one email with a £12 late fee added to total, under the total it does say this "No further fees or interest are accruing on these default sums."

[marling]

Re: Marling pdl diary

paydayexpress
no replys at all from my intial email

[marling]

Re: Marling pdl diary

poundstopocket
email reply from p2p to snv template email
asking for name of debt management company, debt company number, reference number
await any feedback please snv, have posted a few other posts as well
thanks in advance
regards marling

[marling]

Re: Marling pdl diary

quickquid
demand of payment letter
call them on 0800 etc , loan collection proceedings will continue.

[SaltnVinegar]

Re: Marling pdl diary

poundstopocket
email reply from p2p to snv template email
asking for name of debt management company, debt company number, reference number
await any feedback please snv, have posted a few other posts as well
thanks in advance
regards marling

quickquid
demand of payment letter
call them on 0800 etc , loan collection proceedings will continue.

Remember these two companies are actually one and the same.

They have no right to be asking which debt management company you are using, even less to be asking for their reference number. This is your to give, if, and when, you decide to enter a debt management plan.

I'd be inclined to ignore these emails for now and see what they send next.

SnV

[Blodwin]

Re: Marling pdl diary

It doesn't matter if the others find out you're paying Amigo. Just continue with the repayments and seriously, don't ever ask mates to guarantor for you. As you've seen here, you're --> this <-- close to losing a "best mate". Is it worth it for a few hundred quid?

If they were that good a mate they'd give you the money for interest free. I would. In fact I have - recently. Lent a mate £500 for 2 months. He paid it back. All is well. I chose to do that to stop him going down the PDL route. It's a deadly spiral once you start.

Clear amigo as agreed and then when we (SnV) helps you get rid of the others - dont apply again. It's not worth it.

You'll be fine. Just continue with amigo as agreed.

That's the best advice ever!