Cecilia PDL diary

[cecilia]

Re: Cecilia PDL diary

If its a lot then the Roberts case may kick in

--> http://forums.all-about-debt.co.uk/s...l=1#post330732

Thanks Niddy, interesting verdict. I am getting calls from so many different numbers, as it is 7 PDL's I am dealing with.

[cecilia]

Re: Cecilia PDL diary

29th August 19 missed calls
30th August 10 missed calls
31st August 7 missed calls
1st Septmeber 1 missed call
2nd September 2 missed calls
3rd September 9 missed calls
4th September 10 missed calls
5th September 7 missed calls
6th September 5 missed calls
7th September 4 missed calls
8th September 4 missed calls
9th September 4 missed calls
10th September 8 missed calls
11th September 5 missed calls
12th September 5 missed calls
13th September 3 missed calls
14th September 3 missed calls
15th September 2 missed calls
16th September 5 missed calls
17th September 4 missed calls
18th September 8 missed calls
19th September 9 missed calls
20th September 11 missed calls
21st September 5 missed calls
22nd September 1 missed call
23rd September 3 missed calls
24 September 5 missed calls
25 September 4 missed calls
26th September 6 missed calls
27th September 4 missed calls
28th September 5 missed calls
29th September 1 missed call
30th September 7 missed calls
1st October 4 missed calls
2nd October 6 missed calls
3rd October 5 missed calls
4th October 2 missed calls
5th October 3 missed calls
6th October 2 missed calls
7th October 4 missed calls
8th October 1 missed call
9th October 5 missed calls
10th October 5 missed calls
11th October 3 missed calls
12th October 2 missed calls
14th October 1 missed call
15th October 1 missed call
16th October 1 missed call
17th October 4 missed calls
18th October 2 missed calls
19th October 4 missed calls
20th October 1 missed call
21st October 3 missed calls
22nd October 6 missed calls
23rd October 4 missed calls
24th October 6 missed calls
25th October 2 missed calls
26th October 2 missed calls
28th October 4 missed calls
29th October 5 missed calls
30th October 5 missed calls
31st October 9 missed calls
1st November 5 missed calls
2nd November 6 missed calls
3rd November 1 missed call
4th November 3 missed calls
5th November 3 missed calls
6th November 6 missed calls
7th November 5 missed calls
8th November 6 missed calls
9th November 3 missed calls
11th November 3 missed calls
12th November 5 missed calls
13th November 2 missed calls
14th November 7 missed calls
15th November 4 missed calls
16th November 2 missed calls
18th November 3 missed calls
19th November 4 missed calls
20th November 2 missed calls
21st November 10 missed calls
22nd November 4 missed calls
23rd November 4 missed calls
25th November 6 missed calls
26th November 3 missed calls
27th November 5 missed calls
28th November 5 missed calls
29th November 4 missed calls
30th November 4 missed calls
2nd December 5 missed calls
3rd December 6 missed calls
4th December 5 missed calls
5 December 6 missed calls
6 December 4 missed calls
7 December 2 missed calls
9th December 2 missed calls
10th December 3 missed calls
11th December 4 missed calls
12th December 2 missed calls
13th December 3 missed calls
14th December 4 missed calls
16th December 5 missed calls
17th December 3 missed calls
19th December 2 missed calls
20th December 4 missed calls
21st December 1 missed call
23rd December 3 missed calls
24th December 4 missed calls
27th December 6 missed calls
28th December 3 missed calls
30th December 4 missed calls
31st December 3 missed calls
2nd January 2 missed calls
3rd January 3 missed calls
5th January 1 missed call
7th January 3 missed calls
8th January 4 missed calls
9th January 2 missed calls
10th January 1 missed call
11th January 1 missed call
13th January 1 missed call
14th January 2 missed calls
15th January 2 missed calls
16th January 4 missed calls
17th January 4 missed calls
18th January 2 missed calls
20th January 2 missed calls
21st January 3 missed calls
22nd January 3 missed calls
23rd January 3 missed calls
24th January 3 missed calls
25th January 3 missed calls
26 January 1 missed call
27th January 2 missed calls
28th January 3 missed calls
29th January 4 missed calls
30th January 2 missed calls
31st January 1 missed call
1st February 1 missed call
3rd February 1 missed call
4th February 3 missed calls
5th February 1 missed call
6 February 1 missed call
7th February 1 missed call







This does not include text messages, and emails that were sent by the different PDL's on all these dates, which I have listed under each PDL

[cecilia]

Re: Cecilia PDL diary

Received a repayment plan from PaydayUK today, they have accepted my offer, and are not charging me interest. To be reviewed after six months.

[Enforcer]

Re: Cecilia PDL diary

Good start.

[cecilia]

Re: Cecilia PDL diary

Good start.

Thanks, the others are proving to be difficult.

[PriorityOne]

Re: Cecilia PDL diary

Thanks, the others are proving to be difficult.

That's what they're trying to be...... that's what they do. They want you to think they have all the control and can pull your strings as hard as they like. In reality, they have very little control, which is why they like to get people on the phone so much.

Please remember..... debt is not a crime and debtor's prisons were abolished a long time ago :-)

[cecilia]

Re: Cecilia PDL diary

That's what they're trying to be...... that's what they do. They want you to think they have all the control and can pull your strings as hard as they like. In reality, they have very little control, which is why they like to get people on the phone so much.

Please remember..... debt is not a crime and debtor's prisons were abolished a long time ago :-)

Can't imagine what it would have been like if I had answered all those calls. I can now see how my colleague just walked away from it all. Yesterday, and the day before I had dreams about negotiating with PDL's.

[Enforcer]

Re: Cecilia PDL diary

You would not believe the stress and sleepless nights that debt collectors cause. I have high blood pressure, last June, Barclaycard called my mobile, I answered, coughed and explained to they guy that I had started coughing blood. Asked him to ring me later, he did, whilst in the doctors waiting for admission to acute ward in hospital. Spent 3 days in there before the bleeding stopped. These Barstewards do not give a damn about you, they simply want your blood / money!

[cecilia]

Re: Cecilia PDL diary

You would not believe the stress and sleepless nights that debt collectors cause. I have high blood pressure, last June, Barclaycard called my mobile, I answered, coughed and explained to they guy that I had started coughing blood. Asked him to ring me later, he did, whilst in the doctors waiting for admission to acute ward in hospital. Spent 3 days in there before the bleeding stopped. These Barstewards do not give a damn about you, they simply want your blood / money!

OMG Enforcer, so sorry to hear about your ordeal. That is awful. Did you pick up the phone knowing it was them, or thinking it was someone else?

[Enforcer]

Re: Cecilia PDL diary

Knew it was them, they had been promising for months that they would resolve the situation. Eventually decide that as I had gone to the Ombudsman, they did not want to get involved. Typical Barclayshark.

[SaltnVinegar]

Re: Cecilia PDL diary

Hi Cecilia

Great news on getting PaydayUK to agree repayment plan. Make sure you set up STANDING ORDER and you get their bank details. Don't accept anything else.

So moving on to the other 6...........

First things first - Pounds to Pocket and Quickquid are actually the same company (CasheuronetUK LLC) but different trading names. The fact that they have given you a second loan under a different trading name puts them on dodgy ground regards irresponsible lending so we can use that if we need to and have them by the short and curlies.

Mr Lender I know can get nasty and flout OFT guidelines with regular abandon. We'll have them on OFT664 breaches very quickly, report them and close them down quick. Like I said previously - we will use their bad form against them.

The rest I don't come across very often. I think we need a plan here - you obviously have a repayment strategy in place - thats fine, but keep that in your back pocket for now.........

What I'm concerned about in your specific case is the significant amount of times you have 'rolled over' or 'reloaned' (not to mention encouraged to take out further borrowing to cover your debt). What I'd like you to do is to update each of your threads with the following information:

1) The total number of times you have 'rolled over' a loan
2) The total amount of money you have paid in interest to cover the ORIGINAL capital borrowed.

So - if you have rolled over a £400 loan 8 times and paid £120 in interest each time you would have repaid £960 still owing the original £400 capital plus £120 interest

Make sense? I think we have an angle here we can try, but its not one that I approach very often, however the length of time you have had some of these loans makes it an option.

Once you can provide the figures I'll explain some more.

Best
SnV

[eugenespeed]

Re: Cecilia PDL diary

You would not believe the stress and sleepless nights that debt collectors cause. I have high blood pressure, last June, Barclaycard called my mobile, I answered, coughed and explained to they guy that I had started coughing blood. Asked him to ring me later, he did, whilst in the doctors waiting for admission to acute ward in hospital. Spent 3 days in there before the bleeding stopped. These Barstewards do not give a damn about you, they simply want your blood / money!

Bloody hell mate. I'll not type what I'm thinking as I don't want to get banned, but that is just downright evil.

[SaltnVinegar]

Re: Cecilia PDL diary

Please remember..... debt is not a crime and debtor's prisons were abolished a long time ago :-)

This is actually very relevant advice when dealing with PDL companies. Many make the threat of contacting the police to report 'criminal conduct' (as opposed to the reality which is it being a civil matter) when dealing with debtors, which is, of course, a nonsense unless systemic fraud is proven.

SnV

[cecilia]

Re: Cecilia PDL diary

Got this from Mr Lender today. They sent me a text, letting me know they were sending me this email, and that my balance was now £710!

Address: Suite 105W, Sterling House, Loughton, Essex, IG10 3TS

Telephone: 0208-532-5024

Date of notice: As per this email.



Credit Agreement reference number:

This notice is being given to you as required by the Consumer Credit Act 1974 because we have charged you the following default sums under your agreement with us.

Description of charge, Amount

Late Fee, £20
Letter Fee, £20
Collection Fee, £20

Total: £60

Please contact us on 0208-532-5024 in order to discuss the state of your agreement.

This Notice does not take account of default sums which we have already told you about in another default sum notice, whether or not those sums remain unpaid.

Interest

We are not entitled to charge you interest on the default sums for the first 28 days after we have given you this notice. However if the sum is not paid in full by that date interest will be charged at the rate of 30% per month.


Head of Collections
PDL Finance Limited trading as Mr Lender

[cecilia]

Re: Cecilia PDL diary

Hi Cecilia

Great news on getting PaydayUK to agree repayment plan. Make sure you set up STANDING ORDER and you get their bank details. Don't accept anything else.

So moving on to the other 6...........

First things first - Pounds to Pocket and Quickquid are actually the same company (CasheuronetUK LLC) but different trading names. The fact that they have given you a second loan under a different trading name puts them on dodgy ground regards irresponsible lending so we can use that if we need to and have them by the short and curlies.

Mr Lender I know can get nasty and flout OFT guidelines with regular abandon. We'll have them on OFT664 breaches very quickly, report them and close them down quick. Like I said previously - we will use their bad form against them.

The rest I don't come across very often. I think we need a plan here - you obviously have a repayment strategy in place - thats fine, but keep that in your back pocket for now.........

What I'm concerned about in your specific case is the significant amount of times you have 'rolled over' or 'reloaned' (not to mention encouraged to take out further borrowing to cover your debt). What I'd like you to do is to update each of your threads with the following information:

1) The total number of times you have 'rolled over' a loan
2) The total amount of money you have paid in interest to cover the ORIGINAL capital borrowed.

So - if you have rolled over a £400 loan 8 times and paid £120 in interest each time you would have repaid £960 still owing the original £400 capital plus £120 interest

Make sense? I think we have an angle here we can try, but its not one that I approach very often, however the length of time you have had some of these loans makes it an option.

Once you can provide the figures I'll explain some more.

Best
SnV

Thanks S&V,

My Internet has been playing up for the past two days, but I will try and update those threads tonight.

PaydayUK gave me details for a Standing order, or I could also go and pay cash in at a bank.

It is strange because I have had several loans with Pounds to Pocket over the years, and you could not take a loan out with Quick Quid if you were with Pounds to Pocket. That is how I knew they were linked.

Could you please share/expand on what Mr Lender has done when it gets nasty, what have they done to flout OFT guidelines?

I have written to all PDL's with a repayment strategy, but as you know some PDL's are ignoring my letters.

Do you want to know how many times I have reloaned as well as rolled over?

Or just the rollovers?

The rollovers are with Albermarle and Bond/Speedloan, Mr Lender and the Moneyshop. The Moneyshop and Albermarle and Bond was cashing cheques, where they took a sum on every £100. They stopped the cheque cashing, and forced all the customers to pay off by loan this year, because of the new regulations. It has been going on for years. I will provide you with the figures, then weep when I see how much I have given them all.

Have done the PaydayUK, have put the figures in purple, is that the format you want?

Will do the rest shortly.