Cecilia PDL diary

[SaltnVinegar]

Re: Cecilia PDL diary

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.

Good stuff - keep that phone handy and record any future visits. Theres plenty of us on this forum that would love to get a recording of a doorstep visit and any evidence of unlawful behaviour.

I know its not easy getting things down in black and white, buts its the first important step so you should pat yourself on the back and pour yourself a glass of wine for getting that done.

[cecilia]

Re: Cecilia PDL diary

Good stuff - keep that phone handy and record any future visits. Theres plenty of us on this forum that would love to get a recording of a doorstep visit and any evidence of unlawful behaviour.

I know its not easy getting things down in black and white, buts its the first important step so you should pat yourself on the back and pour yourself a glass of wine for getting that done.

I have a feeling I am going to provide you all with evidence of unreasonable behaviour.

Don't drink Snv but had lots of chocolate yesterday to compensate

[cecilia]

Re: Cecilia PDL diary

Just had an automated message on my voicemail to call QQ important message 0808 number, guess it is a DC or Quick Quid.

[SaltnVinegar]

Re: Cecilia PDL diary

Just had an automated message on my voicemail to call QQ important message 0808 number, guess it is a DC or Quick Quid.

Fine - its not like you're going to call them back

Can you also edit your QQ post with a one liner something like:

10/9/2013 - VM left by Quickquid about an urgent matter asking me to call them on 0808 blah blah

That way you have a one page summary of the history of the account. Really helps having to go through the entire thread

[cecilia]

Re: Cecilia PDL diary

Done

[cecilia]

Re: Cecilia PDL diary

Some of the PDL's(Mr Lender,Quickquid) have ignored the Initial email I sent them,stating my circumstances had changed. They are continuing to call. As you all know I am not talking to them, but picking up my voicemail. As they have not acknowledged the initial letter, I can't send them a letter stating they have refused my offer. I know Quickquid received the email, as I got one of those automatic messages saying email had been received, and they would get back to me.

Do I continue to ignore the calls?

Or do I send another email?

[SaltnVinegar]

Re: Cecilia PDL diary

Some of the PDL's(Mr Lender,Quickquid) have ignored the Initial email I sent them,stating my circumstances had changed. They are continuing to call. As you all know I am not talking to them, but picking up my voicemail. As they have not acknowledged the initial letter, I can't send them a letter stating they have refused my offer. I know Quickquid received the email, as I got one of those automatic messages saying email had been received, and they would get back to me.

Do I continue to ignore the calls?

Or do I send another email?

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

[SaltnVinegar]

Re: Cecilia PDL diary

As they have not acknowledged the initial letter, I can't send them a letter stating they have refused my offer.

Hi Cecilia - the fact they have refused to acknowledge at all is enough.

They ignore you but instead bombard you with calls/texts = harassment.

SnV

[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

I don't answer any calls, but check my voicemails. Thanks for the Template.

[cecilia]

Re: Cecilia PDL diary

Hi Cecilia - the fact they have refused to acknowledge at all is enough.

They ignore you but instead bombard you with calls/texts = harassment.

SnV

You mentioned before you knew people who had PDL's with Mr Lender, what was the outcome?

[cecilia]

Re: Cecilia PDL diary

Guardian online debate tomorrow from 12pm, on what councils should do about Paydaylenders

http://www.theguardian.com/local-gov...ers?CMP=twt_gu

[SaltnVinegar]

Re: Cecilia PDL diary

You mentioned before you knew people who had PDL's with Mr Lender, what was the outcome?

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.

[SaltnVinegar]

Re: Cecilia PDL diary

I don't answer any calls, but check my voicemails. Thanks for the Template.

Thats good - just make sure that you make logs of all calls and voicemails left. If you can - record them on your PC so you have a record of them. If not then take a transcript of what was said exactly.

What you're doing here is building up evidence as to their conduct of harassment - you need to ensure that your record keeping is better than theirs and that you can demonstrate unreasonable conduct on their part.

I have lost count of the number of people I would have been able to help more had they kept records of the communication between them and the PDL companies.

Best
SnV

[MrsD]

Re: Cecilia PDL diary

saw this to-day

http://www.bbc.co.uk/news/business-24045572

and I thought of you

[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