Cecilia PDL diary

[cecilia]

Re: Cecilia PDL diary

Wonga may be celebrating but legal loan shark's profits come at a heavy cost to our country article by Stella Creasy

http://www.huffingtonpost.co.uk/stel...890.html?ir=UK

[cecilia]

Re: Cecilia PDL diary

More fool them if that is the case - you can use this against them - same as P2P and SO's.

We will be using the way they flout the law, and all regulatory guidance under the sun to your advantage. Actually (although its a PITA) getting numerous phone calls actually helps you now due to some very recent court cases on how creditors and DCA's should conduct themselves.

You don't need to talk to them - just having a record that they have called (e.g. from phone logs) is enough. They won't be able to help themselves, and this is another thing we can use against them.

For now sit tight and relax if possible - theres no desperate urgency to get anything to them in the next 24/48 hours.

Best
SnV

I just love your attitude .I have a log of how many calls I have received daily. Will post them tonight.

[SaltnVinegar]

Re: Cecilia PDL diary

Just read elsewhere that Swift Sterling will not negotiate with people who are not with a DMP, Payplan or Stepchange, and some people have waited two months until it has gone to Debt collection.

I guess the same will apply with Pounds to Pocket who don't accept standing orders.

More fool them if that is the case - you can use this against them - same as P2P and SO's.

We will be using the way they flout the law, and all regulatory guidance under the sun to your advantage. Actually (although its a PITA) getting numerous phone calls actually helps you now due to some very recent court cases on how creditors and DCA's should conduct themselves.

You don't need to talk to them - just having a record that they have called (e.g. from phone logs) is enough. They won't be able to help themselves, and this is another thing we can use against them.

For now sit tight and relax if possible - theres no desperate urgency to get anything to them in the next 24/48 hours.

Best
SnV

[cecilia]

Re: Cecilia PDL diary

Just read elsewhere that Swift Sterling will not negotiate with people who are not with a DMP, Payplan or Stepchange, and some people have waited two months until it has gone to Debt collection.

I guess the same will apply with Pounds to Pocket who don't accept standing orders.

[SaltnVinegar]

Re: Cecilia PDL diary

Don't worry about ESCALATE means nothing.

It does mean something - they have passed it on to someone who sits nearer to the toilets......

[helmsman]

Re: Cecilia PDL diary

Swift Sterling have just called me insisting that I call them today. They have also sent a text message. They will not communicate with me via email. They said if I don't get back to them today, and clear the debt, it will escalate to debt recovery.

Don't worry about ESCALATE means nothing.

[cecilia]

Re: Cecilia PDL diary

Swift Sterling have just called me insisting that I call them today. They have also sent a text message. They will not communicate with me via email. They said if I don't get back to them today, and clear the debt, it will escalate to debt recovery.

[cecilia]

Re: Cecilia PDL diary

Hi Cecilia

Just popped so didn't want to read and run. Been away for work reasons for a little while but back now. I'll have a proper read of the thread later this evening, but all the advice you've had to now is just as good as anything else I'd say

I'm sure we'll knock most of these buggers back into touch. Don't respond to any emails for now - only encourages the parasites.

Best
SnV

Hi Salt and Vinegar,

Glad you are back around.

Have had good advice from everyone on here. I had responded to PaydayUK this morning before I saw your post, but won't respond to any others.

Have to write to Moneyshop and Speedloan as I only defaulted a few days ago, and have not informed them of my change of circumstances. They don't have email addresses on their information, and have left several phone messages for me. I will send those recorded, but if you think I should not, I will leave it.

[SaltnVinegar]

Re: Cecilia PDL diary

Hi Cecilia

Just popped so didn't want to read and run. Been away for work reasons for a little while but back now. I'll have a proper read of the thread later this evening, but all the advice you've had to now is just as good as anything else I'd say

I'm sure we'll knock most of these buggers back into touch. Don't respond to any emails for now - only encourages the parasites.

Best
SnV

[cecilia]

Re: Cecilia PDL diary

Take action against legal loan sharks

http://us1.campaign-archive2.com/?u=...&id=00141d62f0

[cecilia]

Re: Cecilia PDL diary

Only if they think you'll pit up a fight.....

Okay, as this was something that Salt and Vinegar had posted in another PDL thread

Don't worry - you'll see theres several people dealing with PDL companies, and once the initial hassle has been dealt with they tend to go quiet as theres little they can do as they don't want the risk of their agreements and interest rates being challenged in court.

[cecilia]

Re: Cecilia PDL diary

Only if they think you'll pit up a fight.....

Maybe I should get in touch with Stella Creasy, think I would make a good case study, what do you think?

[PriorityOne]

Re: Cecilia PDL diary

Is it true that some of these companies, don't want it to go to court, as it exposes their practices and rates?

Thanks for your perspective on this.

Only if they think you'll pit up a fight.....

[SXGuy]

Re: Cecilia PDL diary

Happens often with many credit companies, they will hound you to ring days after you last spoke to someone, which is why we feel its harrassment and should only communicate in writing, sadly emails are another avenue they can exploit.

Id put their email address under spam if it was me.

[cecilia]

Re: Cecilia PDL diary

Got an email today from PaydayUK demanding payment, asking me to contact the collections team.

They seem to have no idea that the collections team were in touch with me on the 30th August offering me a proposal, also received a text from them. Going round and round in circles.Another company where staff don't communicate with each other.