Cecilia PDL diary

[cecilia]

Re: Cecilia PDL diary

Don't speak to them. Only in writing please.

Don't you worry, I will not speak to them.

[cecilia]

Re: Cecilia PDL diary

Totally understand - though after some time I'd like to think you'll look back and see it is as a necessary (and hence good) experience as you can see what getting sucked into the PDL trap has done for your finances and the money that should have been going in your pocket.

Your'e right, this could not have gone on forever. My hand was forced, and that has freed me from the cycle. Seeing what the amounts were, was sickening.

[PriorityOne]

Re: Cecilia PDL diary

Hi Cecilia.....

Re. your PM, if you have debt collectors at the door, you're well within your rights to tell them to p*ss off. They're not bailiffs and have no right of entry into your home; they're merely sent out by the companies chasing you for money in a bid to get you to cough up, that's all.

This insistence that you have to get on the phone is a load of cr*p. You don't. They've been trained to bully and that's the main way they can do it..... the other way is banging on your door but as any representative would be calling as an unwanted guest, this is a form of harassment. If someone pokes something through your letterbox that identifies the company this person is from, please let us know.... otherwise just ignore it. If you speak to anyone in person from these companies and they claim to have right of entry, they're lying. Call the police if you need to and tell then to sling their hook.

I had a string of debt collectors banging at my door years and years ago now and just ignored the lot of them.... there's nothing they can do.

[cecilia]

Re: Cecilia PDL diary

Received this letter from Speedloan today,

Thank you for your letter requesting that we accept a lower payment towards your account.

I understand that you may have fallen into financial difficulty but I am not able to accept an offer such as this on a long term arrangement.

If you are unable to make your contractual payment your account may be passed to a collections agency for recovery, more interest may be added to your account as your balance will not be reducing and a Default Notice may be added to your credit file.

Please contact us so that we can try to help you keep to the terms and conditions of our agreement and stop any of the above.

I will hold your account for 5 days whilst we await your response, if you have any further questions please call us on 0844 4480527.

Yours sincerely

Customer Services Manager

[cecilia]

Re: Cecilia PDL diary

Hi Cecilia.....

Re. your PM, if you have debt collectors at the door, you're well within your rights to tell them to p*ss off. They're not bailiffs and have no right of entry into your home; they're merely sent out by the companies chasing you for money in a bid to get you to cough up, that's all.

This insistence that you have to get on the phone is a load of cr*p. You don't. They've been trained to bully and that's the main way they can do it..... the other way is banging on your door but as any representative would be calling as an unwanted guest, this is a form of harassment. If someone pokes something through your letterbox that identifies the company this person is from, please let us know.... otherwise just ignore it. If you speak to anyone in person from these companies and they claim to have right of entry, they're lying. Call the police if you need to and tell then to sling their hook.

I had a string of debt collectors banging at my door years and years ago now and just ignored the lot of them.... there's nothing they can do.

Thanks PriorityOne,

I know the phone thing is crap. I won't speak to anyone, and if anyone leaves a note through my letterbox I will let you know.

[PriorityOne]

Re: Cecilia PDL diary

Received this letter from Speedloan today,

Thank you for your letter requesting that we accept a lower payment towards your account.

I understand that you may have fallen into financial difficulty but I am not able to accept an offer such as this on a long term arrangement.

If you are unable to make your contractual payment your account may be passed to a collections agency for recovery, more interest may be added to your account as your balance will not be reducing and a Default Notice may be added to your credit file.

Please contact us so that we can try to help you keep to the terms and conditions of our agreement and stop any of the above.

I will hold your account for 5 days whilst we await your response, if you have any further questions please call us on 0844 4480527.

Yours sincerely

Customer Services Manager

Huff and puff, that's all.... So what's gonna happen 'coz he's "not able to accept an offer such as this"? Not a lot really....

Cecilia, no-one is going to send the heavies round to drag you round the neighbourhood as a bad example..... and they're not going to send you to jail.

So please ask yourself, what exactly are you afraid of?

[cecilia]

Re: Cecilia PDL diary

I am aware that I can't pay them what I don't have. However, I am also aware that there are some rogues/thugs out there who break rules, but I will deal will them when that happens.

[Never-In-Doubt]

Re: Cecilia PDL diary

Fine. Let them act thuggish and break rules.

We'll then guide you to complain and get compo. You're in safe hands

[SXGuy]

Re: Cecilia PDL diary

Anyone who breaks the rules, trust me, Niddy will help you run rings round them and get compo for it also.

All the others, may lie to try and get you to commit to something you cant afford, again, if you know where you stand, they can lie all they like.

Debt is not a crime, just remember that.

[helmsman]

Re: Cecilia PDL diary

Anyone who breaks the rules, trust me, Niddy will help you run rings round them and get compo for it also.

All the others, may lie to try and get you to commit to something you cant afford, again, if you know where you stand, they can lie all they like.

Debt is not a crime, just remember that.

Thank goodness for that as I would be doing a 100 years

[PriorityOne]

Re: Cecilia PDL diary

Thank goodness for that as I would be doing a 100 years

.... and I'd be in Shawshank!!!

[SaltnVinegar]

Re: Cecilia PDL diary

Hi Cecilia

Just got back in from work and seen your PM's. So a few things to hopefully help you relax:

1) First - please update this thread not send PM's for a couple of reasons; If the person you're messaging is away then they can't help, whereas post on the thread and someone else will! Second, its great that you trust us to send PM's, however the benefit of posting in the forum is it gives others the opportunity to review advice given and make sure that you're getting a balanced opinion. If things ever get legal then we have a private forum section which you could get access to but we a long way off that.

2) Ok - so we know someone banged on your door shouting your name, and you've made an assumption that its a door step collector for one of the payday loan debts. Trouble is its exactly that - its an assumption and we don't know for sure. However, as you've been told already, a doorstep collector has ZERO rights, they are NOT court appointed bailiffs (although they may try to imply otherwise). I'll post up a link to a letter to send to these all clowns in a minute.

3) If anyone does turn up again (very unlikely), you need to establish identity - so not opening the door but asking who they are through the letterbox. Ask for an identification card and ask for them to show you this through the letterbox. (they MUST carry this, and if they refuse to provide any identification we have them on this too). Once they have done this tell them you will only discuss things in writing, that you are asking them to leave your property, and that you are calling the police. Then actually call the police informing them you have a man at your door who you have asked to leave and who is refusing to do so. They will probably disappear at this point (if not before).

So just to re-iterate - anyone calling at your home right now for any of these debts has less rights than a dog peeing on your pot plants. If you're not confident simply don't open the door, ask for their identity, and then tell them to go forth and multiply.

If you have a mobile phone with video/voice recording capability, I would also suggest keeping it close to hand and if anyone does turn up again recording the incident so that we have evidence of any harassment.

You've shown that you have the will and ability to do the right thing - you're posting here at AAD after all

None of the companies you have debts with are known for illegal behavior (which is where the thuggish element comes in) so don't worry about that.

They may try unlawful behavior, but if you can help us collect sufficient evidence, then the compensation that they will be required to pay will outweigh any debt that you have with them! Just a complaint upheld to the FOS will cost them £££ so we will make sure that you are going to cost them!

Best
SnV

[SaltnVinegar]

Re: Cecilia PDL diary

Received this letter from Speedloan today,

Thank you for your letter requesting that we accept a lower payment towards your account.

I understand that you may have fallen into financial difficulty but I am not able to accept an offer such as this on a long term arrangement.

If you are unable to make your contractual payment your account may be passed to a collections agency for recovery, more interest may be added to your account as your balance will not be reducing and a Default Notice may be added to your credit file.

Please contact us so that we can try to help you keep to the terms and conditions of our agreement and stop any of the above.

I will hold your account for 5 days whilst we await your response, if you have any further questions please call us on 0844 4480527.

Yours sincerely

Customer Services Manager

Hi Cecilia

Can you tell me exactly what it was that you sent them? Did you send a letter offering them a lower amount? Or did you also send them a copy of your income/expenditure to support your offer?

Cheers
SnV

[cecilia]

Re: Cecilia PDL diary

Hi Cecilia

Can you tell me exactly what it was that you sent them? Did you send a letter offering them a lower amount? Or did you also send them a copy of your income/expenditure to support your offer?

Cheers
SnV

Hi SnV,

Thanks I just sent them a letter requesting I pay £24 a month. I did not send them Income/expenditure to support my offer.

[cecilia]

Re: Cecilia PDL diary

Hi SnV,

Thanks.

1.I understand your point My issue as you probably gathered is that there are some things that I don't feel comfortable posting on an open forum. I don't know who reads this forum, and membership is open to all.

2. If it was a PDL doorstep collector, why didn't they leave a note, by law they are required to do that, and inform you that they are visiting right?

3. Do I need to speak to them?

Thanks I am aware they have no rights, and I know I have made an assumption, but have no idea who this person was, clearly not someone I know. I have voice recording on my phone, so will keep that to hand.As you say the companies are not known for illegal behaviour, but it does not stop them trying it. I can tell you this, I will complain to the FOS, if any of them try illegal behaviour. I have no problem with that whatsoever. Posting my diary on here was not easy, and I am still reeling from when you asked me to work out how much interest I had paid over the years.