Cecilia PDL diary

[PriorityOne]

Re: Cecilia PDL diary

Hang on.... when did you convert all these into loans? I'm assuming they got you to sign fresh paperwork to do this. If so, what were the loan figures you agreed to on that paperwork and what did those figures consist of? If you signed new paperwork, then challenging these will be tricky re. CCA requests.... A CCA request is a legal request for information that you would send off; it's nothing to do with repayment plans.... and if you've signed new loan paperwork, it/they would probably be a waste of time now.

To be honest (and under the circumstances), unless they're willing to freeze all interest and charges, I'd be inclined to pay them nothing more at all; these companies are no better than loan sharks. Let them sell the debts to debt collectors when they get no joy from you.... and then take things from there re. CCA requests, etc. Your credit file will be trashed anyway..... and these are not huge debts in the grand scheme of things, so the chances of any of them going through the courts to recover money from you will be small.

If you continue making token payments for years, they will get either offer you a Full & Final settlement in time (on request) or sell the debts to debt collectors anyway.

So....

What do you actually want to do here for yourself?
Are you working?
What are the token payments that you've put to these companies so far? Are they based upon Benefit income or work-based income?
Are you a property owner?

[cecilia]

Re: Cecilia PDL diary

No... Mucky Hall are not their debt collectors......but I think you've paid enough on this one. Those figures are extortionate!!

Send them a CCA request by rec. delivery and with any luck, they won't have it.

http://www.all-about-debt.co.uk/inde...2-cca-requests

Thanks Priority One, the cheque cashing was done in store. When they stopped cheque cashing and it became a loan, it is handled by a different part of the company, and you can't deal with it in store. They sent me a repayment plan for that in August, in writing. Is that a CCA ?

The same with Speedloan. Albermarle and Bond stopped cheque cashing, and hand you over to Speedloan which is part of the group.

My hunch is that they stopped cheque cashing, because of the new regulations and irresponsible lending.

[cecilia]

Re: Cecilia PDL diary

Speedloan(Part of Albermarle and Bond)
Started approximately 2004 as cheque cashing, stopped cheque cashing a few months ago, and converted into a loan.
Interest paid to Albermarle and Bond from 2004 to 2013 £16,320
Loan £800
Owe £1120 including interest
Default charges £112
Monthly payments £112
Last payment beginning July 2013
Defaulted August 2013
Received text from Speedloan 2nd September
Wrote to Speedloan 4th September
Received letter in the post from Speedloan 7th September rejecting my offer.
Received letter in the post from Speedloan 18th September, asking me to contact them urgently, give bank account and debit card details,to set up direct debit.
Received text message from Speedloan 26th September to discuss account
Received default notice in the post from Speedloan 3rd October in normal post
Wrote to Speedloan 10th October
Received Notice of sum of arrears in the post from Speedloan 12th October in normal post
Received a letter in the post from Chantry collections re my speedloan dated 19th October, received 23rd October
Received a letter in the post from Chantry collections re my Speedloan dated 24th October received 28th October
Wrote to Chantry collections 7th November
Received Important notice from Chantry collections in the post re my Speedloan dated 5th November received 9th November
Received letter from Chantry collections in the post re my Speedloan dated 8th November received 11th November
Received letter in the post from Speedloan dated 13th November received 14th November
Received call from Clair Westbury at Speedloan 19th November asking me to send my I&E to put this matter to a close.
Received call from Clair Westbury at Speedloan 20th November asking me to send my I&E to put this matter to a close.
Resent to I&E to Speedloan 21st November.
Received letter from Speedloan 23rd November dated 22nd November.
Received letter from Speedloan 23rd January dated 21st January 2013
Received letter from Speedloan dated 29th December 2014
Received letter from Motormile Finance dated 3rd September 2015
Received letter from Motormile Finance dated 29th December 2016
Received letter from Moriarty Law dated 12th January 2017
Received letter from Motormile Finance dated 7th January 2017
Received letter from Moriarty law dated 31st January 2017

[PriorityOne]

Re: Cecilia PDL diary

No... Mucky Hall are not their debt collectors......but I think you've paid enough on this one. Those figures are extortionate!!

Send them a CCA request by rec. delivery and with any luck, they won't have it.

http://www.all-about-debt.co.uk/inde...2-cca-requests

[cecilia]

Re: Cecilia PDL diary

Bloody Hell.... they've been taking money but the balance is the same? How much have you paid on this over the years then?

By the way... Mucky Hall are at the bottom of the food chain. Once a debt gets to them, you've no real worries (in my opinion)

I know PriorityOne,

Looking at it written down, I don't even want to think about how much I paid them. For every £100 they took £15, then it increased to £18.

Are Mucky Hall their debt collectors?

[cecilia]

Re: Cecilia PDL diary

How are you getting on now?

Hi Tinkers,

Payday UK and Pounds to Pocket have said they are willing to accept proposals for a payment plan.

Swift sterling want to discuss the issue on the phone, not in writing.

Did PaydayUK freeze your interest, in your repayment plan?

Are you paying them by standing order?

Pounds to Pocket, claim they don't accept standing orders or Giro slips!

Have not heard from the rest who are continuing to bombard me with calls and emails.

[Tinkers78]

Re: Cecilia PDL diary

How are you getting on now?

[PriorityOne]

Re: Cecilia PDL diary

The Moneyshop
Started 2004-this was started as cashing cheques, which were renewed. They stopped cheque cashing a few months ago.
Loan £750
Owe £750,
Monthly payments of £125
Last paid beginning August 2013
Defaulted August 2013
Received call from Moneyshop 31st August 2013

Bloody Hell.... they've been taking money but the balance is the same? How much have you paid on this over the years then?

By the way... Mucky Hall are at the bottom of the food chain. Once a debt gets to them, you've no real worries (in my opinion)

[cecilia]

Re: Cecilia PDL diary

The Moneyshop
Started 2004-this was started as cashing cheques, which were renewed. They stopped cheque cashing a few months ago.
Interest paid from 2004 to 2013 £17,030.4
Loan £750
Owe £750,
Monthly payments of £125
Last paid beginning August 2013
Defaulted August 2013
Received call from Moneyshop 31st August 2013
Wrote to Moneyshop 4th September
Received voicemail from Moneyshop asking me to call them back 30th September
Received voicemail from Moneyshop asking me to call them back 22nd October
Received voicemail from Moneyshop asking me to call them back 31st October
Received Voicemail from Moneyshop asking me to call them back 3rd December
Received text from Moneyshop 20th December
Received text from Moneyshop 27th December saying payment was due on 30th December
Received text from Moneyshop 29th January saying payment was due on 30th January
Received voicemail from Moneyshop asking me to call them back 30th December
Received voicemail from Moneyshop asking me to call them back 30th January
Received text from Moneyshop 24th February saying payment was due on 28th February
Received text from Moneyshop 27th March saying payment was due on 28th March

[cecilia]

Re: Cecilia PDL diary

Hi,
Don't blame you, I have just opened some of the letters my son is ignoring (he knows I have opened them) ! dated the 2nd Aug Lending stream Via Muck Hall debt under £230 they will accept under £170 to draw matter to a close. 2nd one full settlement for £100 less. 3rd one £90 less, they have no chance of getting anything and I think adding £90 of court charges they will just be wasting their money and they know it.

Funny, how they are now backing down.

[cecilia]

Re: Cecilia PDL diary

You would be amazed how many people do give these people debit card details, that's why you should NEVER speak to them on the phone.

Well, Swift Sterling will not communicate with me in writing, so that is that. I guess the people who give them debit card details again, have their accounts emptied.

[helmsman]

Re: Cecilia PDL diary

Thanks Helmsan,

A colleague of mine did exactly what your son did. She cancelled her card. She did not switch bank accounts. No money was taken from her account. They called her,she did not take the calls. They write to her, she ignores the letters, and she has walked away from it all. I agree, I am offering them what I can afford, no more, than that. I also have informed them of my situation a day or two after I defaulted. I could have chosen to ignore everything.

Hi,
Don't blame you, I have just opened some of the letters my son is ignoring (he knows I have opened them) ! dated the 2nd Aug Lending stream Via Muck Hall debt under £230 they will accept under £170 to draw matter to a close. 2nd one full settlement for £100 less. 3rd one £90 less, they have no chance of getting anything and I think adding £90 of court charges they will just be wasting their money and they know it.

[Enforcer]

Re: Cecilia PDL diary

You would be amazed how many people do give these people debit card details, that's why you should NEVER speak to them on the phone.

[cecilia]

Re: Cecilia PDL diary

Hi,
Well my son has 3 loans taken out in April like you he had been paying them regularly and paying them off then loaning again, he lost his job in May and has ignored them since cancelling his card, they stopped % pretty quick have passed them to several different dcas now all he gets is threatning letters still ignores them, and now its the begging letters which he still ignores. they cant have what you aint got. The letters are nice though Brown envelopes with URGENT written on them 3 at a time.
Good Luck

Thanks Helmsan,

A colleague of mine did exactly what your son did. She cancelled her card. She did not switch bank accounts. No money was taken from her account. They called her,she did not take the calls. They write to her, she ignores the letters. She has walked away from it all.She wonders why I am bothering to deal with them.

I agree, I am offering them what I can afford, no more, than that. I also have informed them of my situation a day or two after I defaulted. I could have chosen to ignore everything.

[helmsman]

Re: Cecilia PDL diary

Well we shall see. I wonder whether any member on the forum has made an agreement with them, if so, could you please post about your experience.

Hi,
Well my son has 3 loans taken out in April like you he had been paying them regularly and paying them off then loaning again, he lost his job in May and has ignored them since cancelling his card, they stopped % pretty quick have passed them to several different dcas now all he gets is threatning letters still ignores them, and now its the begging letters which he still ignores. they cant have what you aint got. The letters are nice though Brown envelopes with URGENT written on them 3 at a time.
Good Luck