Cecilia PDL diary

[cecilia]

I have 7 Payday loans. As you know from the other thread, I decided to get on top of things, when one of my PDL's did not reloan this month. I am still trying to sort out my Income and expenditure. It is sobering realising how long I have had some of these PDL's and how much money I have thrown away. I have never defaulted on any of the loans, but now have to, to get my life on track. The end of every month was a constant juggle, and most of the time I paid all my PDL's back in full, then reloaned. A few of them I would roll over. I got into a bit of a muddle last night when I was doing my Income and Expenditure sheet, and did not include all my debt. I wrote to some of the PDL's offering a repayment plan, now realising, it was not complete. Anyway, I have not written to everyone yet, and doubt the PDL's will accept what I have to offer.

[cecilia]

Re: Cecilia PDL diary

PaydayUK
started July 2011, paid in full every month, then reloaned.
Reloaned 19 times,
Interest paid between July 2011 and July 2013 £4312.8
Loan £800
Owe £1039.6 includes interest
Last paid July 2013
Defaulted August 2013
Received email from Pduk 28th August
Sent email to PDUK 28th August explaining circumstances and offering repayment plan
Received email from PDUK 29th August criteria for I&E
Sent email to PDUK 30th August I&E
Received text from PDUK30th August
Received email PDUK 30th August overdue payment
Received email PDUK proposal
Sent email to PDUK 1st September
Received email from PDUK 2nd September payment in arrears
Sent email to PDUK 2nd September
Sent email to PDUK 3rd September
Received email from PDUK 3rd September outlining payment arrangement
Received text from PDUK re payment 27th September
Received payment reminder from PDUK 1st October stating that they will collect payment by CPA, despite having agreed for a payment via standing order

[cecilia]

Re: Cecilia PDL diary

This is the email I have received from PaydayUk, it would be helpful if any of you could advise me how to respond to it?

Is Salt and Vinegar on holiday at the moment?


Thank you for your recent contact and request for a repayment plan.

We understand that there are a number of reasons that someone may experience financial difficulties and we will deal with all cases of financial difficulty sympathy and positively in line with our Good Practice Customer Charter.

If you have unfortunately experienced a bereavement of a close family member that has resulted in a reduced income, or you have been diagnosed with a severe physical or mental illness or disability which prevents you working and has reduced your income, we will on receipt of evidence immediately provide you with a suitable repayment plan to best suit your needs.

If your circumstances have changed due to shorter term personal illness or an agreed absence from work then we can also help but we may require a copy of the doctor’s certificate, hospital letter or confirmation from your employers. So that we can determine how we may best assist you, and provide you with an affordable repayment plan, we request you complete and return details of your income and expenditure as shown below:

Income:

Monthly Salary Net Pay: £
Other Monthly Income (Benefits, Pension etc): £

Expenditure:

Rent/Mortgage: £
Council Tax: £
Utility Bills: £
Mobile Phone: £
Broadband/Satellite: £
Food/Housekeeping: £
Credit Card and/or other Loan payments (please advise names of creditors): £
Other Expenditure (please specify): £
On receipt of this information, we will assess the income and expenditure information you have provided and contact you shortly afterwards. In the meantime your account has been placed on hold for 10 calendar days whilst this information is being provided and assessed.

Please be mindful that a repayment plan does not vary or release you from the terms and conditions of the signed loan agreement. If you fail to comply with the terms of repayment plan we have the right to obtain payment of the full amount outstanding together with accrued interest and charges in accordance with the terms of your agreement with us.

If your account remains in arrears 120 days past the original due date, whether an agreed repayment plan is in existence or not, we may register a default on your records with credit reference agencies. This will have a negative effect on your credit rating and may prevent you obtaining credit in the future for, as example, mobile ‘phones, sky TV contracts or other credit facilities.



Kind Regards,

[cecilia]

Re: Cecilia PDL diary

Mr Lender
Started April 2012
Loan£400
Rollover for four months at £127
Paid some capital
Rollover for nine months at £60
Rollover one month at 67
Interest paid £1115 still not having paid off the loan.
Reloaned April 2013
Loan £500
Owed 650 includes interest
Rolled over 4 times
Interest paid £621 still owing capital
Last paid beginning August 2013
Defaulted August 2013
Now owe £710 included default charges
Received two emails from Mr Lender 28 August
Received multiple text messages from Mr Lender 28th August
Sent email to Mr Lender 28th August explaining my circumstances and offering repayment plan
Received email and multiple text messages from Mr Lender 29th August with no acknowledgement of email I sent.
Received email and multiple text messages from Mr Lender 30th August asking me to contact them urgently
sent email to Mr Lender 30th August
Received email from Mr Lender 4th September
Received text from Mr Lender 4th September
Sent email to Mr Lender 4th September
Received voicemail from Mr Lender asking me to call them back 11th September
sent email to Mr Lender 11th September re harassment
Received email from Mr Lender 12th September
sent Mr Lender email 13th September
Received email from Mr Lender 14th September asking for I&E
Sent email to Mr Lender 17th September with I&E
Received email from Mr Lender 17th September asking for I&E, and giving me repayment plan, that ignored what I could afford
sent email to Mr Lender 19th September
Received email from Mr Lender 20th September with another repayment plan not accepting my offer
Received email and letter in the post from Mr Lender 25th September re repayment plan not accepting my offer
Received email from Mr Lender 27th September re repayment plan refusing my offer
Wrote to Mr Lender 30th September
Received email from Mr Lender 30th September regarding freezing interest and stopping charges
Received email from Mr Lender 30th September accepting my offer but asking for card details, and my payslips
Received agreed repayment plan from Mr Lender 1st October
Received account review from Mr Lender 24th June 2014
Sent email to Mr Lender 26th June
Received email from Mr Lender 26th June
Received email from Mr Lender 9th October

[cecilia]

Re: Cecilia PDL diary

Pounds to Pocket

Started May 11, have reloaned with them several times.Paid off four loans.
May 11 loan £400
Interest £323.01
Reloaned September 11
loan £1200
Interest £987.41
Reloaned November 2011
Loan £1150
Interest £975.25
Reloaned October 2012
Loan £1150
Interest £1052.24
Last paid beginning August 2013
Defaulted August 2013
Received email from Pounds to Pocket 28th August
Sent email to Pounds to Pocket 28th August explaining circumstances and offering repayment plan.
Received email from Pounds to Pocket 29th August I&E
Sent email to Pounds to Pocket 30th August I&E
Received email from Pounds to Pocket 30th August
Last paid beginning August 2013
Defaulted August 2013
Received text from Pounds to Pocket 3rd September
Received email from Pounds to Pocket 18th Septemberpayment reminder
Received email from Pounds to Pocket payment reminder 21st September
Received email from Pounds to Pocket Notice of Default sums 25th September
Received email from Pounds to Pocket 26th September Notice of Arrears
Received text from Pounds to Pocket 26th September, to clear outstanding balance, before reported to credit bureau.
Received text from Pounds to Pocket 2nd October asking me to call 0800 to cure my outstanding balance before reported to credit bureau
Received notice of arrears from Pounds to Pocket 2nd October in the post
Received notice of Overdue payment from Pounds to Pocket 2nd October in the post
Received notice of arrears from Pounds to Pocket 12th October in the post
Received notice of default from Pounds to Pocket 16th October in the post
Received voicemail to call Pounds to Pocket on 0800 on 17th October
Received email from Pounds to Pocket payment reminder 23rd October
Received email from Pounds to Pocket payment reminder 26th October
Received notice of default sums Pounds to Pocket 31st October
Received notice of arrears from Pounds to Pocket 31st October
Received notice of acceleration Pounds to Pocket 2nd November
Received account severely past due letter in the post from Pounds to Pocket dated 10th November, received 14th November
Received email from Pounds to Pocket 20th November Payment reminder
Received email from Pounds to Pocket 23rd November Payment reminder
Received final notice impending account sale from Pounds to Pocket in the post 29th November dated 24th November
Received Notice of Debt referral from Pounds to Pocket via email 3rd December
Received Notice of Debt referral from Pounds to Pocket via email 16th December
Received Voicemail to call ARC Europe urgently
Received text from ARC Europe18th December
Received email from ARC Europe 19th December
Sent ARC Europe telephone harassment letter 19th December
Received email from ARC Europe in response to my telephone harassment letter 23rd December
Sent email to ARC Europe 23rd December
Received 2nd email from ARC Europe 23rd December
Sent email to ARC Europe 6th January
Received email from ARC Europe 18th January accepting my offer
Received letter from ARC Europe 25th June 2014
Received letter from ARC Europe 22nd December 2014 asking to review my payment and personal circumstances.

[cecilia]

Re: Cecilia PDL diary

Just received this email from Pounds 2 pocket, could anyone advise how to respond who has had dealings with them

Thank you for contacting Pounds to Pocket in regard to your account. So that we can ensure were providing you the best possible arrangements, we need to ask you a few questions. You may respond to the questions via email or by phone.

What is your monthly income?
What is your monthly rent or mortgage?
How much are your monthly utility bills?
How much are your monthly living expenses such as food, transportation, personal goods, and social activities?
Do you have any other major monthly expenses, and how much?
How much are you attempting to have your payments reduced to?
What date can payment be taken from your account?
Will payment be taken from your debit card ending in xxxxxxx with an expiry date of xxxx.

Once we have received your responses your account may be referred to a manager for review/approval. Keep in mind if your account is approved for acceleration this will have a negative impact on your credit. This needs to be completed before your account can be reviewed for a reduced payment arrangement. Valid banking details are required for all arrangements. Collection procedures will continue until an acceptable payment arrangement is made.

[cecilia]

Re: Cecilia PDL diary

Swift Sterling

Started Dec 2011
Reloan 23 times till July 2013
Loan amounts from £200 to £810 over the years
Interest £4315.73
Owed £1095.64 includes interest
Default charges £226.94
Last paid beginning August
Defaulted August 2013
Received email and text message from Swift Sterling 29th August
Sent email to Swift Sterling 29th August explaining circumstances and offering repayment plan
Received Voicemail from Swift Sterling 30th August
Received voicemail from Swift Sterling 3rd September
Received text from Swift Sterling 3rd September
Received email from Swift Sterling 6th September
Sent email to Swift Sterling 9th September
Received letter from Northway Financial in the post dated 7th November, received 12th November agreeing to repayment plan

[cecilia]

Re: Cecilia PDL diary

I sent Mr Lender a letter on the 28th, have had numerous calls and texts from them. They send me this letter today. So, have resent the letter.

We have sent you a couple of emails and text messages which you are not responding to.

This email is a final method of communication asking you to contact us so that we can keep your account in order.

Please call us urgently on 0208-532-5024 or visit www.mrlender.com and click on the Make Payment tab on the top menu. Then login with the following details to make a secure online payment;



Remember, whilst you choose to ignore the repayment of this loan, you will continue to incur various fees and Interest at 25% of your balance!!! We do not want to have to charge you anything additional to what you already owe us so please call us so that we can work with you in processing the roll over that you requested.

If we do not hear back from you today via email or telephone, we will have no option but to pass this account accross to our internal collections desk.

Yours sincerely,

The Collections Department

[cecilia]

Re: Cecilia PDL diary

I sent Swift Sterling an email yesterday, they have just left a message on my voicemail, saying the matter needs to be discussed on the phone.

[cecilia]

Re: Cecilia PDL diary

QuickQuid
Started July 2013
Loan £400
Owed 948.79 inc interest
Monthly payment £125.02, ten payments
Defaulted August 2013
Received email from Quickquid 30th August
Sent email to Quickquid 30th August
Received text from Quickquid 6th September
10th September - Voicemail left by Quickquid about an urgent matter asking me to call them on 0808
11th September-Voicemail left by Quickquid about an urgent matter asking me to call them on 0808
12th September-Voicemail left by Quickquid about an urgent matter asking me to call them on 0808from Nicole
Received email from Quickquid 12th September
Sent email to Quickquid 13th September
Received email from Quickquid 13th September
Received text from Quickquid 13th Septembersaying my account is overdue and to ring to freeze collections.
Received email from Quickquid 16th September
Received email from Quickquid 19th September
Received voicemail from Quickquid 20th September about an urgent matter asking me to call back
received email from Quickquid 23rd September reminder for payment due
Received Voicemail from Quickquid 23rd September about an urgent matter asking me to call them on 0808
Received notice of default sums 27th September
Received voicemail from Quickquid to call back urgently on 0808
Received reminder notice from Quickquid 24th October
Received email reminder notice from Quickquid 28th October
Received text message from Quickquid saying my account is overdue and to call them on 0808 28th October
Received Voicemail from Quickquid to call back urgently on 0808on 30th October
Received Voicemail from Quickquid to call back urgently on 0808 on 31st October
Received Voicemail from Quickquid to call back urgently on 0808 on 5th November
Received Text from Quickquid 7th November
Received Voicemail from Quickquid to call back urgently on 0808 on 8th November
Received Voicemail from Quickquid to call back urgently on 0808 on 12th November
Received Voicemail from Quickquid to call back urgently on 0808 on 14th November
Received Voicemail from Quickquid to call back urgently on 0808 on 15th November
Received Voicemail from Quickquid to call back urgently on 0808 21st November
Received Voicemail from Quickquid to call back urgently on 0808 5th December
Received Voicemail from Quickquid to call back urgently on 0808 6th December
Received Extended Repayment plan available from Quickquid 11th December
Received voicemail from Quickquid to call back urgently on 0808 20th December
Received voicemail from Quickquid to call back urgently on 0808 24th December
Received voicemail from Quickquid to call back urgently on 0808 27th December
Received voicemail from Quickquid to call back urgently on 0808 31st December
Received voicemail from Quickquid to call back urgently on 0808 3rd January
Received voicemail from Quickquid to call back urgently on 0808 8th January
Received voicemail from Quickquid to call back urgently on 0808 13th January
Received voicemail from Quickquid to call back urgently on 0808 20th January
Received voicemail from Quickquid to call back urgently on 0808 22nd January
Received voicemail from Quickquid to call back urgently on 0808 24th January
Received Extended repayment plan email from Final resolution team 24th January
Received voicemail from Quickquid to call back urgently on 0808 28th January
Received Prevent sale to third party collectors email 28th January
Received Notice of Payment 60 days overdue 31st January
Received Notice of Payment 60 days overdue 4th February
Received voicemail from Quickquid to call back urgently on 0808 4th February
Received voicemail from Quickquid to call back urgently on 0808 6th February
Received Notice of Payment 60 days overdue 7th February
Received Notice of Payment 60 days overdue 11th February
Received Extended Repayment plan available 13th February
Received Notice of Payment 60 days overdue 14th February
Received voicemail from Quickquid to call back urgently on 0808 17th February
Received prevent sale to 3rd party collectors extended payment plan 18th February
Received Notice of Payment 60 days overdue 18th February
Received Notice of Payment 60 days overdue 21st February
Received Extended Repayment plan available 25th February
Received Notice of Payment 60 days overdue 25th February
Received Notice of Payment 60 days overdue 28th February
Received Notice of Payment 60 days overdue 4th March
Received Notice of Payment 60 days overdue 7th March
Received Notice of Payment 60 days overdue
Received Notice of Payment 60 days overdue
Received Notice of Payment 60 days overdue 11th March
Received Notice of Payment 60 days overdue 14th March
Received prevent sale to 3rd Party collectors 18th March
Received Notice of Payment 60 days overdue 18th March
Received Notice of Payment 60 days overdue 21st March
Received Extended Repayment plan available 25th March
Received Notice or Payment 60 days overdue 25th March
Received Notice of Payment 60 days overdue 28th March
Received Notice of Payment 60 days overdue 8th April
Received letter from ARC saying the debt had been referred to them 10th April
Received Notice of debt referral from Quickquid 21st April
Received Notice or Payment 60 days overdue
Received Notice or Payment 60 days overdue
Received Notice or Payment 60 days overdue
Received Notice of Payment 60 days overdue
Received Notice of Payment 60 days overdue
Received Notice of Payment 60 days overdue
Received Notice of Payment 60 days overdue
Received letter from ARC 30th April
Received text message from ARC 1st May
Received email from ARC14th May
Sent Arc I&E 15th May
Received email from Quickquid 26th June 2014
Received email from Quickquid 6th November 2014saying loan had been repaid
Received email from Quickquid 6th November 2014 saying an error letter had been sant saying loan had been repaid.
Received letter from Quickquid 1st December 2014

[PriorityOne]

Re: Cecilia PDL diary

Hi Cecilia,

You are under no obligation to provide "evidence" of anything.... and under no circumstances should you make phone contact. If you have emailed/written, then that is sufficient; you've stated your case and put what you can afford. If they find it unacceptable, then they'll need to get over it because they can't have what you don't have to give.

My advice to you would be to ignore any ploys to make phone contact and make the payments you have informed them about regardless of whether they like them or not.

[cecilia]

Re: Cecilia PDL diary

Hi Cecilia,

You are under no obligation to provide "evidence" of anything.... and under no circumstances should you make phone contact. If you have emailed/written, then that is sufficient; you've stated your case and put what you can afford. If they find it unacceptable, then they'll need to get over it because they can't have what you don't have to give.

My advice to you would be to ignore any ploys to make phone contact and make the payments you have informed them about regardless of whether they like them or not.

Hi PriorityOne,

Thank you for responding.Don't worry I won't be making phone contact. Yesterday I had 19 missed calls. I have lost track of the text messages sent.

Mr Lender keep on emailing, texting, and calling, not acknowledging the email sent as you can see in the letter . I emailed them on 28th, sent the same email again today.

Have written to five of them so far with offers. Am waiting to see if they send their bank details. Pounds to Pocket wanted debit card details. They obviously ignored the bit in my letter saying my card had been cancelled.

8 missed calls so far today.

[PriorityOne]

Re: Cecilia PDL diary

Hi PriorityOne,

Thank you for responding.Don't worry I won't be making phone contact. Yesterday I had 19 missed calls. I have lost track of the text messages sent.

Mr Lender keep on emailing, texting, and calling, not acknowledging the email sent as you can see in the letter . I emailed them on 28th, sent the same email again today.

Have written to five of them so far with offers. Am waiting to see if they send their bank details. Pounds to Pocket wanted debit card details. They obviously ignored the bit in my letter saying my card had been cancelled.

8 missed calls so far today.

Persistant little blighters aren't they? Never a good idea to give debit card details... or to set up a direct debit. Make sure it's a standing order that gets set up because you control the amount that gets paid that way. With a dd, a company gets to change the amount, so a standing order will safeguard you against that.

We have a telephone harassment letter in the template section which needs to go off by rec. delivery now, I think..... as the frequency of these calls is ridiculous. If you have trouble finding it, please let me know :-)

in my opinion.... you also need a stiff letter getting them to freeze interest and charges, as there seems no point in you paying anything if it's being used to line their pockets instead of reducing your debt. Is this something you've already mentioned in previous correspondence with them or not?

[cecilia]

Re: Cecilia PDL diary

Persistant little blighters aren't they? Never a good idea to give debit card details... or to set up a direct debit. Make sure it's a standing order that gets set up because you control the amount that gets paid that way. With a dd, a company gets to change the amount, so a standing order will safeguard you against that.

We have a telephone harassment letter in the template section which needs to go off by rec. delivery now, I think..... as the frequency of these calls is ridiculous. If you have trouble finding it, please let me know :-)

in my opinion.... you also need a stiff letter getting them to freeze interest and charges, as there seems no point in you paying anything if it's being used to line their pockets instead of reducing your debt. Is this something you've already mentioned in previous correspondence with them or not?

Thanks. Yes, I had standing order in mind and had put that in all the letters. I also mentioned freeze interest in previous correspondence, but none have referred to it. Will have a look for the telephone harassment letter.

[cecilia]

Re: Cecilia PDL diary

Priority One,

Please send me the link for the telephone harassment letter, I could not find it.

Just had another email from PaydayUK asking me to pay up. Yet, yesterday Payday UK, had acknowledged my letter, asking for Income and Expenditure. No linked up working in these PDL's!