Cecilia PDL diary

[cecilia]

Re: Cecilia PDL diary

Don't send post dated cheques, only pay them what you can afford, when you can afford it. That's if you feel that you need to pay them!

What is interesting is that my loan was £400 yet they are saying the repayment balance is £137.02?????

[Enforcer]

Re: Cecilia PDL diary

Don't send post dated cheques, only pay them what you can afford, when you can afford it. That's if you feel that you need to pay them!

[cecilia]

Re: Cecilia PDL diary

Sent Quickquid the original letter I sent them before yesterday, and got back this response. They don't need a request to cancel my CPA, I have done it with my bank end of. If they accept postdated cheques, I will send those.


Thank you for contacting QuickQuid. Please be advised that we have not received a request to cancell the continuous payment.

The acceptable payment methods used by Quick Quid are: Bank Account, Debit Card, Bankers Cheque or Cashiers Cheque. Unfortunately, we do not accept PayPal, standing orders, giro slips, credit cards or provide an account number that you can make cash payments into.

If you have any queries, our Collections Department is here to help.

QuickQuid Collections Department
Direct Line: 0808 234 4561
Fax: 0808 101 1381
Collections@QuickQuid.co.uk
www.QuickQuid.co.uk

Call free from landlines. Mobile phone companies may charge up to 40p per minute.

Terms and Conditions apply. All loans are subject to status and affordability checks prior to approval. All applicants must be 18 or over.

QuickQuid is the trading name of CashEuroNetUK, LLC. CashEuroNetUK LLC is a Limited Liability Company incorporated in the United States. Head Office: 200 W. Jackson Blvd., 14th Floor, Chicago, IL USA. Correspondence Address: 483 Green Lanes, London, N13 4BS. Consumer Credit Licence #: 603395.
Loretta G

[cecilia]

Re: Cecilia PDL diary

Ok consider sending this:

[start of template letter]

Account number xxxxxxxxxxx

Dear Mr Lender

Thank you for your email of xx/xx/xxxx in relation to the above account however I am disappointed to note that in its contents (as in all your emails to date) you have refused to acknowledge my email of xx/xx/xxxx in which a repayment plan was made to you.

The payment plan proposed to you was conducted according to the Common Financial Statement format, and to date you have not even had to the courtesy to acknowledge this email. Consequently, as this offer was made in the CFS format, ignoring, or rejecting this offer without good cause cannot be considered reasonable behaviour (as per OFT guidelines and the Lending Code).

Please note that no further payment proposals, or amendments to the offer will be forthcoming as this is the maximum I can afford therefore I would suggest that you seriously consider the payment proposal I have made to you.

Telephone harassment
I have made my position on this clear. I will not discuss this matter on the telephone as I wish to keep all communication in writing to ensure that there are no misunderstandings and that any discussions between us can be documented.

Considering the fact that I have explained my personal circumstances to you, and that I have made you a payment offer in line with the CFS format (which you have ignored), and the fact that you refuse to cease contacting me by telephone, it would not be difficult to consider your actions to be an act of harassment.

Please note that I have recorded and registered every phone call and voicemail message that your company has made to me since I informed you of my financial difficulties as evidence should they ever be needed.

Your conduct breaches not only OFT guidelines, but I also draw your attention to the "Protection from Harassment Act 1997" in which Section 1 (1) specifically states:

1.(1) A person must not pursue a course of conduct-
(a) which amounts to harassment of another, and
(b) which he knows or ought to know amounts to harassment of the other

If you are in any doubt as to the definition of 'a course of conduct' then section 7 the 1997 Act provides:

7. (2) References to harassing a person include alarming the person or causing the person distress.

7.(3) A "course of conduct" must involve-
(a) in the case of conduct in relation to a single person (see section 1(1)), conduct on at least two occasions in relation to that person, or
(b) in the case of conduct in relation to two or more persons (see section 1(1A)), conduct on at least one occasion in relation to each of those persons."

As per the 1997 Act above I am informing you that the unwanted telephone calls from your company are causing me distress - therefore I consider your actions (and refusal to cease your actions) a conduct of harassment.

Should you be in any further doubt as to the consequences of your actions then I draw your attention to the recent court case of "Roberts v Bank of Scotland Plc (Rev 1) [2013] EWCA Civ 882 (11th June 2013)"

I trust that you will now cease your conduct of telephone harassment, and instead deal with the issue at hand which is assisting me by accepting the reasonable payment offer made to you. I hope to receive your acceptance of this offer, in writing, very shortly.

Regards

Cecilia

Great

[SaltnVinegar]

Re: Cecilia PDL diary

If we have to serve you with a default notice we will charge you a fee of £20.

One for Niddy - Is this permitted?

[SaltnVinegar]

Re: Cecilia PDL diary

Sent the letter to Mr Lender yesterday, and this was the response I got this morning! Note they don't acknowledge the initial email I sent them, and are still mentioning talking to me,

Thank you for your email.


We would like to apologise if you feel we have been attempting to contact you excessively. We do have strict procedures in place when contacting our customers and can assure you that by no means could this be construed as harassment.
We do need to maintain communication with you regarding your account and this will be between 8:00am – 5:30pm Monday – Friday either by phone or via email.
The reason we have attempted to contact you is because our advisors would like to assist you, your account is accumulating late fees due to non payment.
We would like to freeze the account and set up a Repayment Plan however, we need to discuss this with you.
Please contact us as soon as possible to arrange repayment.
Jessica
Customer Services Manager

Direct Tel: 0208 532 5022
Web: www.mrlender.com
Post: Mr Lender, PO Box 366, Loughton, IG10 9EW

Ok consider sending this:

[start of template letter]

Account number xxxxxxxxxxx

Dear Mr Lender

Thank you for your email of xx/xx/xxxx in relation to the above account however I am disappointed to note that in its contents (as in all your emails to date) you have refused to acknowledge my email of xx/xx/xxxx in which a repayment plan was made to you.

The payment plan proposed to you was conducted according to the Common Financial Statement format, and to date you have not even had to the courtesy to acknowledge this email. Consequently, as this offer was made in the CFS format, ignoring, or rejecting this offer without good cause cannot be considered reasonable behaviour (as per OFT guidelines and the Lending Code).

Please note that no further payment proposals, or amendments to the offer will be forthcoming as this is the maximum I can afford therefore I would suggest that you seriously consider the payment proposal I have made to you.

Telephone harassment
I have made my position on this clear. I will not discuss this matter on the telephone as I wish to keep all communication in writing to ensure that there are no misunderstandings and that any discussions between us can be documented.

Considering the fact that I have explained my personal circumstances to you, and that I have made you a payment offer in line with the CFS format (which you have ignored), and the fact that you refuse to cease contacting me by telephone, it would not be difficult to consider your actions to be an act of harassment.

Please note that I have recorded and registered every phone call and voicemail message that your company has made to me since I informed you of my financial difficulties as evidence should they ever be needed.

Your conduct breaches not only OFT guidelines, but I also draw your attention to the "Protection from Harassment Act 1997" in which Section 1 (1) specifically states:

1.(1) A person must not pursue a course of conduct-
(a) which amounts to harassment of another, and
(b) which he knows or ought to know amounts to harassment of the other

If you are in any doubt as to the definition of 'a course of conduct' then section 7 the 1997 Act provides:

7. (2) References to harassing a person include alarming the person or causing the person distress.

7.(3) A "course of conduct" must involve-
(a) in the case of conduct in relation to a single person (see section 1(1)), conduct on at least two occasions in relation to that person, or
(b) in the case of conduct in relation to two or more persons (see section 1(1A)), conduct on at least one occasion in relation to each of those persons."

As per the 1997 Act above I am informing you that the unwanted telephone calls from your company are causing me distress - therefore I consider your actions (and refusal to cease your actions) a conduct of harassment.

Should you be in any further doubt as to the consequences of your actions then I draw your attention to the recent court case of "Roberts v Bank of Scotland Plc (Rev 1) [2013] EWCA Civ 882 (11th June 2013)"

I trust that you will now cease your conduct of telephone harassment, and instead deal with the issue at hand which is assisting me by accepting the reasonable payment offer made to you. I hope to receive your acceptance of this offer, in writing, very shortly.

Regards

Cecilia

[SXGuy]

Re: Cecilia PDL diary

4. Subject to the requirements of the Consumer Credit Act 1974, we will be entitled to demand that you
repay the whole of the balance due under this agreement if any of the following events occur:
4.4 you become bankrupt or be unable to pay your debts; or
4.5 you die.

Well firstly, if you become bankrupt, yes they can demand the full amount be paid, but if theres no assets and you are not working, Her Majesty's Official receive doesnt have to give them squat.

Secondly, if you die, and have no assets or money left in your estate, they get nothing.

Gotta love some of these idiots who think just because it states something in an agreement they are entitled to it.

[Tinkers78]

Re: Cecilia PDL diary

Oh dear me, I never read terms and conditions of Loans either, what happens if I die? I don't even think I would have them now, only emails from when I defaulted ....

[cecilia]

Re: Cecilia PDL diary

Just skimming through the Mr Lender agreements SnV, you were right payment in full if I dieand in one agreement grant them permission to contact your employer, that is not in second agreement.

[cecilia]

Re: Cecilia PDL diary

2nd Mr Lender agreement

FIXED SUM LOAN AGREEMENT REGULATED BY THE CONSUMER CREDIT ACT 1974
PARTIES
PDL Finance Limited trading as Mr
Lender
Mr Lender, PO Box 366, Loughton, IG10 9EW ("we, us,
our")
Customer ("you, your"):

Credit intermediary: Mr Lender Suite 105W, Sterling House, Langston Road,
Loughton, IG10 3TS
FINANCIAL DETAILS
Amount of credit: £500
Administration Fee:
(deducted from Amount of credit)
£7
Same day transfer fee:
(deducted from Amount of credit)
£10
Repayment: Pay £650.00 on 29/05/2013.
Additionally, in each successive month (or part of a month) after entering into this agreement including, where
we have agreed to defer repayment, in months after the due date for repayment, you will pay an amount
sufficient to pay the interest accrued in the previous month (or part of a month) calculated as set out in the
Interest section below. Such repayments will be made on the same date of the month as the due date for
repayment shown above.
Total amount payable: £650.00
Duration of agreement: 36 days
You have a right to settle all or part of this agreement at any time.
INTEREST
Initial borrowing rate: (fixed) 0.83% per day; equivalent to 296% per annum
Rolled-over borrowing rate: (fixed) 1.00% per day; equivalent to 296% per annum
Interest at the Initial borrowing rate, multiplied by the number of days constituting the duration of the
agreement, will be applied as at the date of the agreement. Interest will be payable on the Amount of credit,
the Administration Fee and, where applicable, the Same day transfer fee. Where we have agreed to defer
repayment, interest at the Rolled-over borrowing rate, multiplied by the number of days in any period after the
repayment date shown above, will be applied to the balance outstanding under this agreement at the start of
that period.
Interest will be continue to be payable until the balance due under this agreement is fully repaid.
APR: 1432%
For the purposes of calculating the total charge for credit and APR it shall be assumed: that the consumer
credit agreement is to remain valid for the period agreed; that we and you will perform our obligations under
the terms and by the dates specified in the agreement; and that there are 30 days in every month.
IMPORTANT INFORMATION
We will send you a reminder by email on or before the date your repayment is due. If you contact us to inform
us that you are unable to make the repayment on the due date we may, at our sole discretion, allow you to
defer making payment until a date which we will tell you, which will be no more than 31 days after the due
date.
If you fail to make a repayment on the due date we shall charge you a late payment fee of £20.
Unless we have agreed that you may defer making payment the following provisions will apply. If we have to
write to you regarding your breach of this agreement, we will charge a fee of £20 on each occasion we write.
If we have to serve you with a default notice we will charge you a fee of £20. If any payment is not paid on its
due date, then you will be liable to pay us interest calculated on the overdue amount at the Borrowing rate
until the date of actual payment. Interest will be payable before and after any judgement we may obtain
against you. You will compensate us for any costs or expenses that we incur in enforcing the terms of this
agreement. Without limitation, this will include legal costs, and costs incurred in tracing you and any costs of
our agents in attempting to collect any sum you owe under this agreement.
MISSING PAYMENTS
If you fail to make repayments it could have severe consequences and make obtaining credit in future more
difficult. If you fail to make any repayment on its due date we will report this to the credit reference agency we
use. Other lenders use information from credit reference agencies when deciding whether to lend or not. We
may also sell your debt to a third party debt collector.
YOUR RIGHT TO WITHDRAW
Once you have signed the agreement you will have the right to withdraw from it. The withdrawal period lasts
from the day after you sign the agreement and ends 14 calendar days later. You do not have to give any
reason for withdrawing. If you wish to withdraw you can call us on 0208-502-1288 or write to
customer.services@mrlender.co.uk or at the address set out above. If you withdraw from the agreement you
will have to repay the amount of credit and we may charge you interest on the amount of credit from the date
of this agreement until you repay it. You should repay us using the details given above without undue delay
will have to repay the amount of credit and we may charge you interest on the amount of credit from the date
of this agreement until you repay it. You should repay us using the details given above without undue delay
and no later than the end of the period of 30 days beginning with the day after the day on which the notice of
withdrawal was given.
YOUR RIGHT TO REPAY EARLY
You can settle all or part of this agreement at any time by giving notice to us, either in writing or verbally. If
you want to settle in full you will need to tell us the date on which you want to settle the agreement. We will
then send you a statement showing what you must pay, after deducting any rebate to which you are entitled. If
you want to settle part of the agreement, once we have received your payment we will work out any rebate to
which you are entitled, apply it to your agreement and recalculate your repayments. If you make a partial early
settlement you may ask us to send you a statement.
STATEMENT OF ACCOUNT
At any time when there is a balance outstanding under this agreement, you have the right to ask for a
statement showing the repayments still outstanding, when these are payable and a breakdown of the
repayments showing how much comprise capital, interest or any other charges, which we will provide free of
charge.
This agreement consists of the terms above and the terms and conditions.
TERMS AND CONDITIONS
1. Once we have signed the agreement we will pay the amount of credit into a bank account nominated by
you. This agreement will come into force as soon as it has been signed by the borrower and signed on our
behalf.
2. You agree to repay the amount of credit together with the interest and any charges by the repayment shown
by no later than 8.00 pm on the date shown.
3. You grant us permission to debit all sums due under this agreement from your bank account using either a
cheque or debit card provided by you, or a standing order set up by you at our option. You must ensure that
sufficient funds are available to make the payment but if we are unable to collect the full repayment due when
we attempt to do so you authorise us to attempt to collect full repayment in the following tranches:
3.1 interest;
3.2 [50% + £10] of the balance outstanding and
3.3 [50% - £10] of the balance outstanding
We will make not more than three attempts to collect sums due under this agreement on the due date for
repayment and the same number of attempts to collect such sums on the next three successive dates of the
month that the repayment is due.
You are responsible for ensuring that any payments sent to us by post reach us in time for the funds to be paid
into your account and clear on the account by the due date. Prompt payment is essential. You cannot pay any
amount toward your loan using a credit card or any other type of credit.
4. Subject to the requirements of the Consumer Credit Act 1974, we will be entitled to demand that you
repay the whole of the balance due under this agreement if any of the following events occur:
4.1 you fail to make any repayment within 14 days of its due date; or
4.2 any information you have given us was incorrect in a material respect; or
4.3 you enter into any form of debt management programme; or
4.4 you become bankrupt or be unable to pay your debts; or
4.5 you die.
5. If we do not enforce our rights under this agreement at any time we will not be prevented from doing so
later.
6. Any payment you make which is less than the payment then due will be applied firstly to pay interest and
charges and then to reduce the Amount of credit then outstanding.
7. You agree that, to the extent permitted by law, we may communicate with you for the purposes of this
agreement electronically using the email address provided to us. Any notice or demand we send to you by
email will be assumed to have been properly delivered at the time of the completion of transmission by us if
sent before 8.00pm or at 8.00am on the next day if sent later. Any other communication will be assumed to
have been properly delivered when given, if served on you personally, or left or sent by prepaid envelope
addressed to you at your last known address. If sent by first class post it will be assumed to have been
received by you 48 hours after posting. If you change your email or postal address you must tell us at once.
8. In the absence of any manifest error, our records will be deemed to be conclusive of the matters they
record. You must let us know, in writing, within seven days about any change of your address.
9. We may assign or transfer all or any of our rights under this agreement which will not affect your liabilities
or reduce your rights. You may not assign or transfer any of your rights under this agreement.
10. If any provision of this agreement is found to be invalid or unenforceable, it will not affect the remaining
provisions.
11. If you find yourself in financial difficulties you should contact us by email on collections@mrlender.co.uk
to discuss how we may be able to assist you.
12. If you have a complaint about our service then you should contact us at complaints@mrlender.co.uk. We
will acknowledge the complaint within five working days and review it under the British Cheque & Credit
Association's complaint handling procedures. The BCCA may be contacted on 01925-426-090. If we
cannot resolve the complaint then you may ask the Financial Ombudsman Service to consider it. You can
will acknowledge the complaint within five working days and review it under the British Cheque & Credit
Association's complaint handling procedures. The BCCA may be contacted on 01925-426-090. If we
cannot resolve the complaint then you may ask the Financial Ombudsman Service to consider it. You can
write to the Ombudsman at South Quay Plaza, 183 Marsh Wall, London E14 9SR, call them on 0845 080
1800 or by emailing complaint.info@financial-ombudsman.org.uk.
13. The supervisory authority for this agreement is the Office of Fair Trading, Fleetbank House, 2 6 Salisbury
Square, London EC4Y 8JX.
14. In this agreement a "working day" is any Monday - Friday which is not a bank holiday in England.
15. If you live in Scotland or Northern Ireland this agreement will be governed by the laws of Scotland or
Northern Ireland respectively, otherwise it will be governed by the laws of England and Wales.
This agreement consists of the terms above and the terms and conditions.
By signing this agreement you declare:
1. That you are not under any notice of having to leave your employment through redundancy or otherwise
and you have no intention of leaving your current employment before you have fulfilled your obligations under
this agreement.
2. You are not currently in, or planning to enter in to, a debt management programme or an Individual
Voluntary Arrangement and you do not intend to apply to be made bankrupt.
This is a credit agreement which you should only sign
if you want to be legally bound by its terms.
Signature:
Dated:
By inserting my surname, mother's maiden name and
my IP address I agree to be bound by this
agreement.
Signed for and on behalf of PDL Finance Limited.
Signature:
Dated:
which is the date of this agreement

[cecilia]

Re: Cecilia PDL diary

Terms of agreement
1. Loan
We agree to lend you, and you agree to borrow, the Amount of Credit shown over the page on the terms set out below and over the page. By signing this agreement you confirm that your salary was paid last month and
will be paid on the due date into the bank account (“The Amount”) identified in your application to us and in the Bank details sent to you with these terms. You will ensure that sufficient funds are available in the
account to repay us the Total Amount payable. –
2. Payment by us
3. Right of cancellation
If we accept your application, you will have 14 days from the date of our acceptance to cancel the Agreement. The date of acceptance will be the date you receive a copy of the Agreement. If you wish to cancel the
Agreement, please write to us at the address overleaf or by email to enquiries@mrlender.co.uk. If you cancel, you will have to repay any money lent to you. You must do this as soon as possible and in any event not
later than 30 calendar days after giving us notice of your wish to cancel. We may charge you for the service provided. If you do not wish to cancel, you will be bound by the terms of the Agreement which will continue
unless terminated.
4. Earlier payment
You may end the Agreement at any time by repaying the full amount you owe under the agreement at that time. You will usually be entitled to a rebate (reduction) of part of the interest.
5. Change of address
You must let us know, in writing, within seven days about any change of your address.
6. Right to demand earlier payment
We will assume that you refuse to comply with the terms and conditions of this agreement if any of the events set out below happens We will then be entitled to demand that you pay us the outstanding balance under
this agreement (together with interest) by sending you a ‘default notice’. The evants are
l A statutory demand (that is, written demand for paying a debt of at least £750, which, if not paid in full, may result in bankruptcy proceedings being brought against you) is not paid for 21 days or
any steps are taken by you or anyone else to declare you bankrupt
l You take steps to enter into any arrangement or debt management plan with your creditors.
l A bailiff or other officer controls or seizes any of your goods following a court order
l The landlord of the premises at your address threatens, or takes steps, to seize or in any other way control any of your goods.
7. Default interest and other enforcement rights
8. General conditions
9. When this agreement comes into force
This agreement will only come into force when we or our authorised agent have signed it.
10. Complaints and dispute Resolution
If you want to make a complaint about PDL Finance Limited, you can email or write to us with brief details of your complaint and your account number. We will acknowledge your complaint and will then investigate it
and send you either an initial response and/or provide any redress to which we feel you are entitled. Complaints that we cannot settle within 8 weeks after the date of complaint may ultimately be referred to the
Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR or telephone 0845 0801800 or 020 7964 0500.
USE OF YOUR INFORMATION
In considering whether to enter into this agreement we will search your record at the credit reference agencies. They will add, to their record about you, details of our search and your application and this will be seen by other organisations that
make searches. This and other information about you and those with whom you are linked financially may be used to make credit decisions about you and those with whom you are financially linked. We may use a credit scoring or other
automated decision making system.
We will also add to your record with the credit reference agencies details of your agreement with us, any payments you make under it and any default or failure to keep to its terms. These records will be shared with other organisations and may be
used and searched by us and them to:
l consider applications for credit and credit related services, such as insurance, for you and any associated person;
l trace debtors, recover debts, prevent or detect money laundering and fraud, and to manage your account(s).
It is important that you provide us with accurate information. We may check your details with fraud prevention agencies and if you provide false or inaccurate information or we suspect fraud, this information may be recorded.
Fraud prevention agency records will be shared with other organisations to help make decisions or credit, motor, household, life and other insurance proposals or claims for you and members of your household.
We will use personal information about you which we acquire in connection with any application you make to us, or any agreement you enter into with us, to manage your agreement and for statistical or market research purposes. If we transfer,
charge or assign your agreement to a third party or if we employ a third party to manage any aspect of your account, we will pass relevant information about you to them.
Please telephone or write to us at the telephone number/address stated overleaf if you want to have details of the credit reference agencies or any other agencies from whom we obtain, and to whom we pass, information about you. You have a legal
right to these details. You have right to receive a copy of the information we hold about you. A fee may be payable.
USE OF ASSOCIATED RECORDS
Before entering into this agreement we may search records at credit reference agencies, which may be linked to your spouse/partner, or other persons with whom you are linked financially. For the purposes of any application or this agreement you
may be treated as financially linked with and you will be assessed with reference to "associated records". Where any search or application is completed or agreement entered into involving joint parties, you both consent to us recording details at
credit reference agencies. As a result an "association" will be created which will link your financial records and your associate ’s information may be taken into account when a future search is made by us or another lender unless you file a
“ disassociation ” at the credit reference agency.
(a) You agree to pay us the Total Amount Payable, as shown over the page, by the instalments and at the times shown over the page.
(b) You grant us permission to debit that sum from the account using either a cheque or debit card provided by you, or a standing order set up by you at our option. You are responsible for ensuring that any
payments sent to us by post reach us in time for the funds to be paid into your account and clear on the account by the due date. Prompt payment is essential. If you are late in paying, you will pay us
interest on the amount due from when it is due until it is actually paid at the rate of interest shown overleaf under the Section "Other Financial Information".
(c) Each repayment will be used:
i. First to pay the loan amount (interest, principal on the loan and any fee)
ii. Then towards paying any arrears on the loan and any charges due to us or any collection agency
a) If you do not pay us any amount you owe us within 14 days of its due date;
b) If you provided false information when entering into this agreement;
c) If you have done something which would allow you any of your belongings, property, income or savings to be legally removed to pay off any of your debts.
d) If any of the following happen.
(a) If you fail to pay us any amount you owe under this agreement by the date it is due, we may charge you interest on that amount until you pay it. We will charge interest for each day you still owe the
payment, at the rate shown in the section ‘Other Financial Information’ over the page. We can charge this interest even after we have received a court judgment against you.
(b) You agree to pay us any charges or costs shown in ‘Key Information’ over the page which may become payable by you, including our reasonable legal costs and expenses for enforcing this agreement.
(a) References to any Act or regulation includes any amendments to that Act or regulation.
(b) If at any time we allow you to do something which is against any of the terms and conditions of this agreement, this will not prevent us from insisting that you strictly follow the terms and conditions at
any later time.
(c) If two or more of you have signed this agreement against the Borrower, you are liable jointly and severally, that is together as well as separately, under this agreement. This means that either of you can be
held fully responsible under this agreement to another person.
(d) We may transfer our rights and responsibilities under this agreement to another person. This will not take away any of your rights or responsibilities under this agreement. You may not transfer any of your
rights and responsibilities under this agreement to another person.
(e) Any notice or demand we give will be assumed to have been properly given if served on you personally, or left or sent by prepaid envelope addressed to you at your current address or last known business or
private address. If sent by First Class Post, it will be assumed to have been received by you 48 hours after posting.
(f) You grant us permission to contact your employee named in your Employment Details at any time as may be reasonably required by us.
(g) Our main business is Consumer Lending and we provide short- term credit facilities to debtors in return for the repayment of the credit and the payment of interest. We are registered with the Information
Commissioner and with the Director General of Fair Trading. Our Consumer Credit Act Licence is numbered
(h) This Agreement shall be construed according to the laws of England & Wales whose Court shall have be the exclusive Courts of jurisdiction. All communications with you will be in English.
Signature: Initials: Mothers maiden name: Date:
--------------------------- --------------- ----------------------------------------- -------/-------/------------/
623787.
002200 77996644 1 100000.0 E.m Eamil: ainilf @inffiona@ncfiianl-aonmcbiauld-sommabn.ucdos.umk.a Wn.ecbos.iutek: .w Wwwe.bfisniatnec: iwal-womwb.ufidnsamnacni.aclo-.oumk budsman.co.uk

[cecilia]

Re: Cecilia PDL diary

First Mr Lender loan agreement

Between us (the Lender) and you (the Borrower), on the terms set out below and over the page
Agreement Number:
Name (the Lender) PDL Finance Limited T/A Mr Lender
Address Galley House, Second Floor, Moon Lane, Barnet, Hertfordshire , England
Name
Address
Postcode
Postcode
This is a Credit Agreement regulated by the Consumer Credit Act 1974. Sign only if
you want to be legally bound by its terms by clicking "I accept".
KEY FINANCIAL INFORMATION
1 Amount of Credit £400.00
Term of Agreement 13 days APR 260993%
Total Amount Payable is: £527.00 (1+4)
To be repaid on day 25 of April 2012 "the due date" We will collect this
payment by debiting the interest amount first and then any capital
payments in no more than 3 total transactions.
OTHER FINANCIAL INFORMATION
2 Interest charges £120.00
3 Administration Fee £7.00
4 Total Charge for Credit (2+3) £127.00
Interest is charged at an equivalent rate of 842% p.a. on the Amount of
Credit, calculated and applied at the date, and for the Term of this
Agreement
We may charge you default interest in accordance with clause 7 over the
page on any sum which has not been paid by its due date. We may also
require payment of our reasonable charges for (a) sending arrears letters,
reminders or documents to which you are not entitled; (b) tracing you if you
move address without notifying us. Where known at the date of this
agreement, our costs for the above are for (a) £30 , for (b) £100 and
otherwise as notified to you. See also clause 7(b)-costs for enforcing this
agreement.
IMPORTANT-READ THIS CAREFULLY TO FIND OUT ABOUT YOUR
RIGHTS
THE CONSUMER CREDIT ACT 1974 lays down certain requirements for your
protection which should have been complied with when this agreement was made.
If they were not, the creditor cannot enforce this agreement without getting a Court
Order. If you would like to know more about your rights under the Act, contact
either your local Trading Standards Department or your nearest Citizen Advice
Bureau.
MISSING PAYMENTS
Missing payments could have severe consequences and make obtaining credit
more difficult
EARLY SETTLEMENT
You have the right to repay all or part of the agreement earl under Section 94 of
the Act by giving written or oral notice to the creditor.
YOUR RIGHT TO CANCEL
You will have 14 days from the date of our acceptance to cancel this Agreement.
Please see Clause 3 for further information on how you can exercise this right.
KEY INFORMATION CHARGES:
Signed:
Date:
BORROWER'S DETAILS








Before you sign this Agreement please read the following.
1. This Agreement is entered into on the understanding that you are over the age
of 18 and the information you have provided is true and accurate.
2. Read this page and the Terms of Agreement over the Page.
IMPORTANT: USE OF YOUR INFORMATION
Please read "Use of Your Information" over the page before you sign as by signing
you are agreeing to this use and disclosure of your information. We may:
1. send you information about our products and services and those of other
businessess;
2. pass your details to other selected businessess and to anyone who introduced
you to us, to send you informationabout their products and services.
To stop us doing this, write to us or tick this box
To stop us or other businessess contacting you by telephone to offfer you other
products or services, write to us or tick this box
If you are willing to be contact byu email, automated calling system or personal fax,
tick this box
Information held about you by credit reference agencies may be linked to records
relating to any person with whom you are linked financially. Please read "Use of
Associated Records"
LENDER'S CONTACT DETAILS AND SIGNATURE
Correspondence address
MR LENDER
PO BOX 366
LOUGHTON
IG10 9EW
Reg'd in UK
Reg No: 06738633
Tel: 0844-335-1190
Signed:
Date:

[cecilia]

Re: Cecilia PDL diary

Received this from Quickquid today, they are still asking for debit card details just like Pounds to Pocket. They have put the remaining balance as £137.02, but the loan was for £400???


Thank you for contacting us to inquire about how to pay off your balance. The payment plan we can offer is detailed below.

Remaining balance for future payments in payment plan (£) £137.02
Amount (£) of the first payment £27.42
Amount (£) for each of the remaining 4 payment(s) £27.40 via debit card ending XX4614.

Starting 25/09/2013, please be advised we are unable to skip months in payments.

Payments will become due at the same frequency as your paydays if nothing else is stated in this communication.

To update a Debit Card please provide the Card type, Card long number, 3-digit Security Code, Card Expiry Date and the Address Linked to the card.

To confirm your agreement to this payment plan, please reply to this email stating that the terms are favorable. You must include the original email with the terms to which you are agreeing in your response. Once we have heard back from you, we will set up the agreed upon debits to come out of your bank account or be charged to your debit card.

Collection procedures will continue until an acceptable payment arrangement is made.

If you have any queries, our Collections Department is here to help.

QuickQuid Collections Department
Direct Line: 0808 234 4561
Fax: 0808 101 1381
Collections@QuickQuid.co.uk
www.QuickQuid.co.uk

Call free from landlines. Mobile phone companies may charge up to 40p per minute.

Terms and Conditions apply. All loans are subject to status and affordability checks prior to approval. All applicants must be 18 or over.

QuickQuid is the trading name of CashEuroNetUK, LLC. CashEuroNetUK LLC is a Limited Liability Company incorporated in the United States. Head Office: 200 W. Jackson Blvd., 14th Floor, Chicago, IL USA. Correspondence Address: 483 Green Lanes, London, N13 4BS. Consumer Credit Licence #: 603395.
Jermaine M

[cecilia]

Re: Cecilia PDL diary

I haven't seen one of these go to court - yet (there is always a first).

Is it possible for you to publish details of the credit agreement (removing personal details). Or alternatively send to Niddy?

I have seen Consumer Credit Agreements from this company that would put them in hot water should they get to court, just on the basis of unfair provisions (charging to send out a default notice, stating that the balance due would still be payable upon the event of your death!!).

If your agreement has such provisions in then we can challenge this should it be necessary.

Their common tactic is to significantly increase the balance and then sell the account to a DCA. However their greed generally gets the better of them in these circumstances as they tend to then make mistakes such as applying interest unlawfully (they do not like giving breakdowns of interest/charges as this is where they get caught out).

So what was the outcome? All of these points were challenged with the DCA's who then backed down.

But each case and circumstance are different, and with PDL companies coming under scrutiny this works both for and against you. Those that want to stay in business will start to comply and behave reasonably, those that are looking to make a quick buck will not care less until they are shut down.

What you need to do is stop trying to pre-empt these companies, they are a complete shambles, and 2 people with almost exactly the same circumstances can have completely different experiences, despite taking the same approaches.

Yes, will publish details of credit agreement. They encouraged rolling over, like no other. You just need to look at how many times I rolled over, and how much money I gave them without decreasing the balance,stupid me.

[cecilia]

Re: Cecilia PDL diary

Hi Cecilia

Its up to you if you want to ignore the calls or not. Even if you do answer the calls, simply refuse to answer security questions. Most important thing is to log date/time/number of all calls you've received, and also any voicemails and what was said.

If you want to send them an email use the following template requesting they cease calling you:

http://www.all-about-debt.co.uk/inde...t-by-telephone

Best
SnV

Sent the letter to Mr Lender yesterday, and this was the response I got this morning! Note they don't acknowledge the initial email I sent them, and are still mentioning talking to me,

Thank you for your email.


We would like to apologise if you feel we have been attempting to contact you excessively. We do have strict procedures in place when contacting our customers and can assure you that by no means could this be construed as harassment.
We do need to maintain communication with you regarding your account and this will be between 8:00am – 5:30pm Monday – Friday either by phone or via email.
The reason we have attempted to contact you is because our advisors would like to assist you, your account is accumulating late fees due to non payment.
We would like to freeze the account and set up a Repayment Plan however, we need to discuss this with you.
Please contact us as soon as possible to arrange repayment.
Jessica
Customer Services Manager

Direct Tel: 0208 532 5022
Web: www.mrlender.com
Post: Mr Lender, PO Box 366, Loughton, IG10 9EW