Announcement

**cecilia** · 1 October 2013, 07:13

Re: Cecilia PDL diary

Originally posted by cymruambyth View Post

Sorry, I had missed that! Your payments will probably be less than their interest; as enforcer says, ignore.

This is what they wrote in previous correspondence with their repayment plan, no idea whether this will apply if I was to start paying the £16

We are unable to freeze the account and set up the repayment plan until we receive your initial payment.

Your account will remain in collections until your initial payment has been received.

Please be aware that whilst your account is not in a repayment you may incur charges, our system may try to recoup the funds and your account may be sold to a third party debt collection agency.

**cecilia** · 1 October 2013, 07:14

Re: Cecilia PDL diary

Originally posted by SaltnVinegar View Post

I wouldn't ignore yet as an offer has been accepted - just needs some clarification to close out as it may just be an oversight (or not) so we need to find out.

Is this 'Michael' again? I'd consider sending the following:

<start of letter>

Account number: xxxxxxxxxxx

Dear Michael

Thank you for your email of xx/xx/xxxx accepting my payment plan of £16/month in relation to the above account.

I am sure that you will agree that freezing interest and charges on the account and preventing the balance from increasing is to the benefit of all parties therefore could you please confirm that interest and charges are now frozen on this account, and once this is confirmed I will set up a standing order to commence monthly payments with the first payment being on xx/xx/xxxx.

Thank you for your assistance again and look forward to hearing from you.

Your sincerely

Cecilia

Hi SnV,

Yes it is Michael, I will send it off today, Thanks.

**SaltnVinegar** · 1 October 2013, 07:16

Re: Cecilia PDL diary

Originally posted by cecilia View Post

This is what they wrote in previous correspondence with their repayment plan, no idea whether this will apply if I was to start paying the £16

We are unable to freeze the account and set up the repayment plan until we receive your initial payment.

Your account will remain in collections until your initial payment has been received.

Please be aware that whilst your account is not in a repayment you may incur charges, our system may try to recoup the funds and your account may be sold to a third party debt collection agency.

No - forget that. That is what they stated in previous correspondence, and its an automatically generated template email.

We need to work on the non-templated emails from Michael as thats what is going to get us the result. Respond to him with the email on post 225 and see what he says.

Best
SnV

**cecilia** · 1 October 2013, 07:20

Re: Cecilia PDL diary

Originally posted by SaltnVinegar View Post

No - forget that. That is what they stated in previous correspondence, and its an automatically generated template email.

We need to work on the non-templated emails from Michael as thats what is going to get us the result. Respond to him with the email on post 225 and see what he says.

Best
SnV

I had written post 226, before I saw your reply, have sent off your letter.

**cecilia** · 1 October 2013, 08:29

Re: Cecilia PDL diary

I am confused now. I made an agreement with PaydayUK who accepted my offer, and I would pay them by standing order starting on the 4th October.

This was the agreement.

Many thanks for your email.
>
> For all cash payments - please use the account details below, deposits can be made in any branch of Royal Bank of Scotland or NatWest:
>
> Account Name: Month End Money Ltd.
> Account Number: 39524906
> Sort Code: 60-00-01
> Reference:
>
> Your repayment amount is £40.00.
>
> Please reference your Loan Agreement number & surname so that we can allocate the funds to your account. Once you have made the payment please contact us on 0800 280 2666^. Our office is open 9am - 8.30pm Monday to Friday and 10am - 3pm on Saturday.
>
> Until a payment has been received your account is not on hold and payment can be tried at any time.
>
> Did you know that as we work with a Credit Reference Agency? We share your account information on a monthly basis, so when you repay your loan on time, this may help to improve your credit rating. However, if you do not repay on time this could have a negative impact on your credit rating.
>
> Regards,
>
> Recoveries Team

Then,Just received this!

Just a quick reminder that we are due to take a payment from you of £40 due to PaydayUK on your next pay date of 4th October 2013.

We will collect the repayment by using the continuous authority on your debit card you provided us with when you signed your loan agreement, the details of which are clearly set out in your agreement, including when we may make attempts and the amounts these attempts may be for.
Don't forget that PaydayUK are here to help with your financial needs and if you experience any change in your circumstances, please do not hesitate to contact us online using our ever popular Instant Messaging Service.
Alternatively, you are also able to maintain your account by visiting our Account Management Area.
Having issues logging in? Reset your login details by Clicking Here.
Thanks again for your continued custom.
Kind Regards,
Customer Care Team

lease do not respond directly to this email as the inbox is not monitored. Please send all responses to account.services@paydaycontact.co.uk CONFIDENTIALITY NOTICE
This e-mail message and any attachments are only for the use of the intended recipient and may contain information that is privileged, confidential or exempt from disclosure under applicable law. If you are not the intended recipient, any disclosure, distribution or other use of this e-mail message or attachments is prohibited. If you have received this e-mail message in error, please delete and notify the sender immediately. Thank you.
Copyright in this e-mail and any attachments created by MEM Consumer Finance Ltd or any of its subsidiaries belong to MEM Consumer Finance Ltd, registered in England and Wales, registration number 04786727, registered address 6th Floor, 77 Gracechurch Street, London. EC3V 0AS. Calls may be recorded and monitored for security and training purposes.
Do not include your Debit or Credit Card details in any email response or fax to us. If you receive an email that appears to be from PaydayUK that you suspect is fraudulent, do not click on any links contained within the email or provide personal details. Please forward a copy to account.services@paydaycontact.co.uk

*Call charges apply - 10p per minute from BT landlines, mobiles and other providers may vary. Calls may be recorded and monitored for security and training purposes.

**SaltnVinegar** · 1 October 2013, 10:21

Re: Cecilia PDL diary

Originally posted by cecilia View Post

I am confused now. I made an agreement with PaydayUK who accepted my offer, and I would pay them by standing order starting on the 4th October.

They can try to take payment as much as they like - they're not going to get it are they?

This is another automatically generated email - problem is their systems just aren't geared for dealing with arrears/collections so they have entered your payment arrangement into the system and it will still try to take automatically.

If you want to keep a comms trail going a quick response along the lines of 'as per my email of xx/xx/xxxx, first payment will be made to you via standing order on xx/xx/xxxx.'

Best
SnV

**SaltnVinegar** · 1 October 2013, 10:25

Re: Cecilia PDL diary

Originally posted by cecilia View Post

I had written post 226, before I saw your reply, have sent off your letter.

Good stuff - lets wait for the response......

**cecilia** · 1 October 2013, 11:13

Re: Cecilia PDL diary

Originally posted by SaltnVinegar View Post

Good stuff - lets wait for the response......

Got a response from Michael this morning, then amended response from David

I am pleased to confirm that we have set up the following repayment plan for you.

All future additional interest and late fees will be Frozen whilst you are on this repayment plan.

We will email and text you the day before each payment is due so that you can make sure you have funds available. If you have any questions, please contact me directly on 0208-532-5020

This is confirmation that your repayment plan has been amended as below;

04/10/2013	£16.00	Payment 1 of 43
04/11/2013	£16.00	Payment 2 of 43
04/12/2013	£16.00	Payment 3 of 43
06/01/2014	£16.00	Payment 4 of 43
04/02/2014	£16.00	Payment 5 of 43
04/03/2014	£16.00	Payment 6 of 43
04/04/2014	£16.00	Payment 7 of 43
06/05/2014	£16.00	Payment 8 of 43
04/06/2014	£16.00	Payment 9 of 43
04/07/2014	£16.00	Payment 10 of 43
04/08/2014	£16.00	Payment 11 of 43
04/09/2014	£16.00	Payment 12 of 43
06/10/2014	£16.00	Payment 13 of 43
04/11/2014	£16.00	Payment 14 of 43
04/12/2014	£16.00	Payment 15 of 43
05/01/2015	£16.00	Payment 16 of 43
04/02/2015	£16.00	Payment 17 of 43
04/03/2015	£16.00	Payment 18 of 43
07/04/2015	£16.00	Payment 19 of 43
05/05/2015	£16.00	Payment 20 of 43
04/06/2015	£16.00	Payment 21 of 43
06/07/2015	£16.00	Payment 22 of 43
04/08/2015	£16.00	Payment 23 of 43
04/09/2015	£16.00	Payment 24 of 43
05/10/2015	£16.00	Payment 25 of 43
04/11/2015	£16.00	Payment 26 of 43
04/12/2015	£16.00	Payment 27 of 43
04/01/2016	£16.00	Payment 28 of 43
04/02/2016	£16.00	Payment 29 of 43
04/03/2016	£16.00	Payment 30 of 43
04/04/2016	£16.00	Payment 31 of 43
04/05/2016	£16.00	Payment 32 of 43
03/06/2016	£16.00	Payment 33 of 43
04/07/2016	£16.00	Payment 34 of 43
04/08/2016	£16.00	Payment 35 of 43
02/09/2016	£16.00	Payment 36 of 43
04/10/2016	£16.00	Payment 37 of 43
04/11/2016	£16.00	Payment 38 of 43
05/12/2016	£16.00	Payment 39 of 43
04/01/2017	£16.00	Payment 40 of 43
06/02/2017	£16.00	Payment 41 of 43
06/03/2017	£16.00	Payment 42 of 43
04/04/2017	£16.16	Payment 43 of 43
04/04/2017	-£216.84	Discount to close account

IMPORTANT NOTICE: If you miss any of the above payments, interest and late fees will be added and backdated to when the repayment plan was initially set-up.Please contact me on 0208-532-5045 if you need any further assistence.
Best regards,

David

Then this email reminder from David a few minutes later

Just to remind you that your next payment of £16.00 is due on the next payment date of 04/10/2013.

You have chosen to pay by Bank Transfer however, you can pay securely on line and at anytime by clicking here or on the link below;
http://www.mrlender.com/makepayment/...F-ED4650CB7628
Please transfer £16.00 to the following bank account details;

Bank Name: Barclays
Sort Code: 20-95-61
Account Number: 2382-4616
Reference No:

If you do not have 'faster payments' then please make the transfer today to make sure we receive the payment by the next payment date above. If you do have 'faster payments' then you can make the payment on the actual date above.

Please reply to this email to let me know when you have made the payment.

Call me on 0208-532-5045 if you have any problems/questions.

Best regards,

David

**SaltnVinegar** · 1 October 2013, 11:44

Re: Cecilia PDL diary

Sounds like a result to me! They have confirmed that all future interest and charges are suspended, and payment plan agreed.

The email from David is a standard email so wouldn't worry about that.

Well done!

Originally posted by cecilia View Post

Got a response from Michael this morning, then amended response from David

I am pleased to confirm that we have set up the following repayment plan for you.

All future additional interest and late fees will be Frozen whilst you are on this repayment plan.

We will email and text you the day before each payment is due so that you can make sure you have funds available. If you have any questions, please contact me directly on 0208-532-5020

This is confirmation that your repayment plan has been amended as below;

04/10/2013	£16.00	Payment 1 of 43
04/11/2013	£16.00	Payment 2 of 43
04/12/2013	£16.00	Payment 3 of 43
06/01/2014	£16.00	Payment 4 of 43
04/02/2014	£16.00	Payment 5 of 43
04/03/2014	£16.00	Payment 6 of 43
04/04/2014	£16.00	Payment 7 of 43
06/05/2014	£16.00	Payment 8 of 43
04/06/2014	£16.00	Payment 9 of 43
04/07/2014	£16.00	Payment 10 of 43
04/08/2014	£16.00	Payment 11 of 43
04/09/2014	£16.00	Payment 12 of 43
06/10/2014	£16.00	Payment 13 of 43
04/11/2014	£16.00	Payment 14 of 43
04/12/2014	£16.00	Payment 15 of 43
05/01/2015	£16.00	Payment 16 of 43
04/02/2015	£16.00	Payment 17 of 43
04/03/2015	£16.00	Payment 18 of 43
07/04/2015	£16.00	Payment 19 of 43
05/05/2015	£16.00	Payment 20 of 43
04/06/2015	£16.00	Payment 21 of 43
06/07/2015	£16.00	Payment 22 of 43
04/08/2015	£16.00	Payment 23 of 43
04/09/2015	£16.00	Payment 24 of 43
05/10/2015	£16.00	Payment 25 of 43
04/11/2015	£16.00	Payment 26 of 43
04/12/2015	£16.00	Payment 27 of 43
04/01/2016	£16.00	Payment 28 of 43
04/02/2016	£16.00	Payment 29 of 43
04/03/2016	£16.00	Payment 30 of 43
04/04/2016	£16.00	Payment 31 of 43
04/05/2016	£16.00	Payment 32 of 43
03/06/2016	£16.00	Payment 33 of 43
04/07/2016	£16.00	Payment 34 of 43
04/08/2016	£16.00	Payment 35 of 43
02/09/2016	£16.00	Payment 36 of 43
04/10/2016	£16.00	Payment 37 of 43
04/11/2016	£16.00	Payment 38 of 43
05/12/2016	£16.00	Payment 39 of 43
04/01/2017	£16.00	Payment 40 of 43
06/02/2017	£16.00	Payment 41 of 43
06/03/2017	£16.00	Payment 42 of 43
04/04/2017	£16.16	Payment 43 of 43
04/04/2017	-£216.84	Discount to close account

IMPORTANT NOTICE: If you miss any of the above payments, interest and late fees will be added and backdated to when the repayment plan was initially set-up.Please contact me on 0208-532-5045 if you need any further assistence.
Best regards,

David

Then this email reminder from David a few minutes later

Just to remind you that your next payment of £16.00 is due on the next payment date of 04/10/2013.

You have chosen to pay by Bank Transfer however, you can pay securely on line and at anytime by clicking here or on the link below;
http://www.mrlender.com/makepayment/...F-ED4650CB7628
Please transfer £16.00 to the following bank account details;

Bank Name: Barclays
Sort Code: 20-95-61
Account Number: 2382-4616
Reference No:

If you do not have 'faster payments' then please make the transfer today to make sure we receive the payment by the next payment date above. If you do have 'faster payments' then you can make the payment on the actual date above.

Please reply to this email to let me know when you have made the payment.

Call me on 0208-532-5045 if you have any problems/questions.

Best regards,

David

**cecilia** · 1 October 2013, 12:05

Re: Cecilia PDL diary

Originally posted by SaltnVinegar View Post

Sounds like a result to me! They have confirmed that all future interest and charges are suspended, and payment plan agreed.

The email from David is a standard email so wouldn't worry about that.

Well done!

Definitely a result SnV, Thank you and everyone else who has supported me with this

Could not have done this without you. Five more paydayloans to sort out.

**Tinkers78** · 2 October 2013, 19:57

Re: Cecilia PDL diary

See, u are finally getting there! Result!!!! Tackle them one at a time

IF · 2 October 2013, 20:23

Re: Cecilia PDL diary

Well done from me too Cecilia and brilliant work SnV

**cecilia** · 2 October 2013, 20:51

Re: Cecilia PDL diary

Originally posted by Tinkers78 View Post

See, u are finally getting there! Result!!!! Tackle them one at a time

Thanks, you have been really supportive of me.

**cecilia** · 2 October 2013, 20:54

Re: Cecilia PDL diary

Originally posted by IF View Post

Well done from me too Cecilia and brilliant work SnV

Thanks If, everyone has been so supportive on here.

**cecilia** · 2 October 2013, 21:10

Re: Cecilia PDL diary

Received another notice of arrears today in the post today from Pounds to Pocket, dated 30th September slightly different to the one they emailed me in #207

This notice is being sent to you as required by the Consumer Credit Act 1974 because you are behind with the sums payable under your loan agreement.

Please review the Office of Fair Trading Arrears publication that describes your rights and responsibilities

Loan ID
Funding date 6/7/13
Loan amount £1,146.66
Opening balance £1,079.38

Two or more installment payments under the above loan from Pounds to Pocket are overdue. Because of these overdue payments, your customer status has been changed to "In Default."

Below is the list of installment payments which are overdue

28th August 2013 £177.23
25th September 2013 £177.23
Total £354.46

As a result of your returned debits on the payment dates above, we have assessed £24 in Dishonour Fees. This amount is also now due. You will receive separate notices in relation to these Late Fees.

No further fees or interest are accruing on these amounts.

Total current outstanding balance of the loan £378.46

Announcement

Cecilia PDL diary

Comment

Comment

Comment

Comment

Comment

Comment

Comment

Comment

Comment

Comment

Comment

Comment

Comment

Comment

Comment