Cecilia PDL diary

[cecilia]

Re: Cecilia PDL diary

Hi Cecilia, I hope your recent silence means that everything is going well in your life. I would also ignore this.

Hi Cymruambyth, life has been up and down. I no longer work full time, I lost one of my jobs and have not found anything to replace it. Long story. I should have finished paying two of my PDLs next month, which is a relief. Hope you and Pixie are well. I tried logging on earlier, but kept on getting a message saying the server was too busy.

[cecilia]

Re: Cecilia PDL diary

Hello cecilia, long time no see.

I'd be tempted to ignore that letter but see what others have to say.

Does it say that MMF are the new owners of the debt?

Hi Pixie,

Yes, stranger long time no see , it says the previous assigned owner was Speedloan.

[cymruambyth]

Re: Cecilia PDL diary

Hi Cecilia, I hope your recent silence means that everything is going well in your life. I would also ignore this.

[Pixie]

Re: Cecilia PDL diary

Hello cecilia, long time no see.

I'd be tempted to ignore that letter but see what others have to say.

Does it say that MMF are the new owners of the debt?

[cecilia]

Re: Cecilia PDL diary

Speedloan(Part of Albermarle and Bond)
Started approximately 2004 as cheque cashing, stopped cheque cashing a few months ago, and converted into a loan.
Interest paid to Albermarle and Bond from 2004 to 2013 £16,320
Loan £800
Owe £1120 including interest
Default charges £112
Monthly payments £112
Last payment beginning July 2013
Defaulted August 2013
Received text from Speedloan 2nd September
Wrote to Speedloan 4th September
Received letter in the post from Speedloan 7th September rejecting my offer.
Received letter in the post from Speedloan 18th September, asking me to contact them urgently, give bank account and debit card details,to set up direct debit.
Received text message from Speedloan 26th September to discuss account
Received default notice in the post from Speedloan 3rd October in normal post
Wrote to Speedloan 10th October
Received Notice of sum of arrears in the post from Speedloan 12th October in normal post
Received a letter in the post from Chantry collections re my speedloan dated 19th October, received 23rd October
Received a letter in the post from Chantry collections re my Speedloan dated 24th October received 28th October
Wrote to Chantry collections 7th November
Received Important notice from Chantry collections in the post re my Speedloan dated 5th November received 9th November
Received letter from Chantry collections in the post re my Speedloan dated 8th November received 11th November
Received letter in the post from Speedloan dated 13th November received 14th November
Received call from Clair Westbury at Speedloan 19th November asking me to send my I&E to put this matter to a close.
Received call from Clair Westbury at Speedloan 20th November asking me to send my I&E to put this matter to a close.
Resent to I&E to Speedloan 21st November.
Received letter from Speedloan 23rd November dated 22nd November.
Received letter from Speedloan 23rd January dated 21st January 2013
Received letter from Speedloan dated 29th December 2014
Received letter from Speedloan dated 3rd September 2015
Received letter from MMF Debt recovery specialists dated 22nd July 2016

Hope you are all well,

Just received this in the post this morning from MMF debt recovery specialists, if you can recall Speedloan rejected my offer in 2013, they enclosed a financial assessment form, and a payment mandate form.

Original creditor: Speedloan finance limited
Previous assigned owner: Speedloan finance limited
current outstanding balance £1,120

Unfortunately despite our efforts to contact you we have been unable to do so. It is still our intention to set the correct plan with you to clear this amount based on your circumstances, all we ask is that you pay what you can afford. For example we have many customers paying as little as £5 per month. You can set up a payment plan by calling us on 01138876876, by emailing us at customerservice@mmile.com or returning the direct debit/standing order mandate on the reverse of this letter. If you are experiencing financial difficulties we have a team of specialist agents who are equipped to understand and deal with your situation. Alternatively free debt advice is available which provided confidential and and impartial advice from one of the organisations listed on the back of this letter.

[nanna58]

Re: Cecilia PDL diary

Great ignoring skills x

[cecilia]

Re: Cecilia PDL diary

Received another letter from ARC in the post, asking to review one of my accounts with them. I have ignored all the previous letters they sent me.

[cymruambyth]

Re: Cecilia PDL diary

And the same to you. Forget about everything and enjoy your Christmas.

[cecilia]

Re: Cecilia PDL diary

Wishing you all a peaceful Christmas, and a happy, healthy and prosperous 2016. Thanks for all your support.

[cecilia]

Re: Cecilia PDL diary

Hi Cecilia

Any response?

Hi SnV,

Its now a month since I sent them the email, and no response, what is the procedure for taking this to the FOS. Thanks

[cecilia]

Re: Cecilia PDL diary

Hi Cecilia

Any response?

No responses to the two emails I sent them on the 26th October, and 3rd November.

[SaltnVinegar]

Re: Cecilia PDL diary

Hi Cecilia

Any response?

[cecilia]

Re: Cecilia PDL diary

Thanks SnV, done, will keep you posted.

[SaltnVinegar]

Re: Cecilia PDL diary

Hi Snv,
I sent them an email on the 26th October explaining that I had overpaid, and requesting a refund, they have not responded. Funny how when I owe them money they bombard me with emails on a daily basis, yet when they owe me money 8 days go by without a response.

Oh yes isn't it funny - send them another email stating that you haven't had a response to your rmail of the 26th. Tell them you will give them 28 days to respond to your complaint, then if you have no further response you will take your complaint to the FOS.

[cecilia]

Re: Cecilia PDL diary

Hi Snv,
I sent them an email on the 26th October explaining that I had overpaid, and requesting a refund, they have not responded. Funny how when I owe them money they bombard me with emails on a daily basis, yet when they owe me money 8 days go by without a response.