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  • #1

    Digital Financial Services

    Dear customer,

    Total Due: £4076


    Your debts due with Speed Credit is now legally owned & controlled by Digital Finance Services UK ltd. This email is to officially notify you that Digital Finance Services UK is now in full ownership of Speed Credit.

    We, Digital Finance Services UK hereby contacting you with your outstanding balance which is unpaid. Due to the overdue status of the loan it has incurred extra charges and the present the balance outstanding is £4076


    We request you to visit our website www.digitalfinancialservices.co.uk and click on ‘PAY NOW’ section to make the payment for your loan. Alternately, you may use our bank details and pay via faster payment, CHAPS or wire transfer service. Our bank details are provided below-

    A/C: 43266351
    Sort Code: 406080

    Please bear in mind that every day you are delaying will add more charges to your outstanding balance. Therefore, to avoid additional cost and come to a fast settlement of your loan we expect your response urgently.

    Our contact details are attached below. We thank you for your business with us and look forward to a continued business relationship.
    Kind Regards,

    DFS collection team
    Digital Finance Services UK ltd
    Phone: +44 203 026 0796
    Email: collection@digitalfinancialservices.co.uk
    I've just received this, I do owe SpeedCredit, but they went into administration so hence this has been passed on. My loan amount was for £350. And nowhere near the £4k they want. What do I do, a CCA request? This debt will be from late 2012 or early 2013. More than likely 2012.

    This isnt on my CR & I've never made a payment.

    If I do a CCA request will that not stir the hornets nest or?


    TibetanMonk
    On Debt Row

    AAD has so much to offer and wants so little back. Take advantage while you can.
    Tags: 2012, address, administration, bank, barclaycard, cca, cca request, charges, con, contract, court, credit, creditor, customer, debt, debts, default, digital, email, extra, finance, financial, financial services, fine, help, interest, legal, letter, loan, loans, lost, money, payday, payday loan, payday loans, sar, services, thank you, unfair
  • #2
    Re: Digital Financial Services

    That's ridiculous for a £350 loan! As they say, it has incurred extra charges...and a hell of a lot of interest no doubt!

    As this is regarding a payday loan you may be better posting it in the payday loan section or I can move your post if you want me to.

    I don't know enough about payday loans but I don't think a cca request would be any use because the loan is post 2007.
    Let your smile change the world but don't let the world change your smile

    I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

    If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

    Comment

    • #3
      Re: Digital Financial Services

      Originally posted by Pixie View Post
      That's ridiculous for a £350 loan! As they say, it has incurred extra charges...and a hell of a lot of interest no doubt!

      As this is regarding a payday loan you may be better posting it in the payday loan section or I can move your post if you want me to.

      I don't know enough about payday loans but I don't think a cca request would be any use because the loan is post 2007.
      Hey Pixie,

      Yeah could you move it for me please

      Thats okay, I'll wait for SnV to see it


      TibetanMonk
      On Debt Row

      AAD has so much to offer and wants so little back. Take advantage while you can.

      Comment

      • #4
        Re: Digital Financial Services

        Done

        Yes, SnV's your best bet with this.
        Let your smile change the world but don't let the world change your smile

        I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

        If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

        Comment

        • #5
          Re: Digital Financial Services

          Anyone able to help?


          TibetanMonk
          On Debt Row

          AAD has so much to offer and wants so little back. Take advantage while you can.

          Comment

          • #6
            Re: Digital Financial Services

            I'll give SnV a nudge TM.
            Let your smile change the world but don't let the world change your smile

            I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

            If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

            Comment

            • #7
              Re: Digital Financial Services

              Thanks Pixie.


              TibetanMonk
              On Debt Row

              AAD has so much to offer and wants so little back. Take advantage while you can.

              Comment

              • #8
                Re: Digital Financial Services

                Hi TM

                Sorry didn't see this.

                So this demand was sent via email? Then they have no idea that the email address is valid, nor do they know that the email address is being read.

                Have you received anything in writing (i.e. in the post, not via email) from this shower? Has your address changed since the inception of the alleged loan?

                Demanding £4k for a £350 loan is frankly preposterous and could be challenged as an unfair relationship if (in the very unlikely event things got to court).

                Is it worth sending a CCA request? At the moment no, because if they've not written via snailmail (not email), then I wouldn't be responding to ANYTHING they send via email.

                However there is value sending a CCA request or a SAR at the correct time because:

                1) It could establish whether they followed the correct procedure in sending pre-contract information so you could decide whether the product was affordable etc (if not then another possible example of irresponsible lending

                2) It would establish whether a debt purchasor has the legal entitlement to carry on adding interest & charges

                3) It would establish whether a creditor could apply for contractual interest up to, and post judgement, should they issue a claim

                All important stuff to consider to help advise you.

                However - in this instance, I'd not respond to the email as it would only encourage them, and wait for them to write via the post.

                SnV
                "I fear all we have done is to awaken a sleeping giant and fill him with a terrible resolve."

                The consumer is that sleeping giant.!!


                I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                Comment

                • #9
                  Re: Digital Financial Services

                  Originally posted by SaltnVinegar View Post
                  Hi TM

                  Sorry didn't see this.

                  So this demand was sent via email? Then they have no idea that the email address is valid, nor do they know that the email address is being read.

                  Have you received anything in writing (i.e. in the post, not via email) from this shower? Has your address changed since the inception of the alleged loan?

                  Demanding £4k for a £350 loan is frankly preposterous and could be challenged as an unfair relationship if (in the very unlikely event things got to court).

                  Is it worth sending a CCA request? At the moment no, because if they've not written via snailmail (not email), then I wouldn't be responding to ANYTHING they send via email.

                  However there is value sending a CCA request or a SAR at the correct time because:

                  1) It could establish whether they followed the correct procedure in sending pre-contract information so you could decide whether the product was affordable etc (if not then another possible example of irresponsible lending

                  2) It would establish whether a debt purchasor has the legal entitlement to carry on adding interest & charges

                  3) It would establish whether a creditor could apply for contractual interest up to, and post judgement, should they issue a claim

                  All important stuff to consider to help advise you.

                  However - in this instance, I'd not respond to the email as it would only encourage them, and wait for them to write via the post.

                  SnV
                  Hey SnV,

                  That's fine, I figured you were busy.

                  Yeah this was sent via email, and my address hasn't changed either. So I'll await a letter through the post, which I doubt they'd do. SpeedyCredit is now in admin so all debts have been passed along, this was passed to NDR at one stage, which I made a few payments however they did say that if I stopped making payments then they'd continue to add charges and interest from the day of the first payment upto the last, so any money I would have paid would have been lost. Which would have been about £150ish. Unfortunately Natwest closed that account in error and so I can't get bank statements showing this.

                  Thanks SnV, been a great help and a lot off of my mind.

                  TM


                  TibetanMonk
                  On Debt Row

                  AAD has so much to offer and wants so little back. Take advantage while you can.

                  Comment

                  • #10
                    Re: Digital Financial Services

                    Originally posted by TibetanMonk View Post
                    Hey SnV,

                    That's fine, I figured you were busy.

                    Yeah this was sent via email, and my address hasn't changed either. So I'll await a letter through the post, which I doubt they'd do. SpeedyCredit is now in admin so all debts have been passed along, this was passed to NDR at one stage, which I made a few payments however they did say that if I stopped making payments then they'd continue to add charges and interest from the day of the first payment upto the last, so any money I would have paid would have been lost. Which would have been about £150ish. Unfortunately Natwest closed that account in error and so I can't get bank statements showing this.

                    Thanks SnV, been a great help and a lot off of my mind.

                    TM
                    If your address hasn't changed, then wait for a letter in the post. With Speedycredit in admin, then if they do write to you, a simple 'prove it' letter should be enough, then if necessary a CCA request or SAR to follow up.

                    I certainly wouldn't be acknowledging anything on a £4k balance on a £350 loan!

                    See what happens, I suspect that the email is just a fishing exercise sent to hundreds of accounts to see who bites
                    "I fear all we have done is to awaken a sleeping giant and fill him with a terrible resolve."

                    The consumer is that sleeping giant.!!


                    I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                    If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                    Comment

                    • #11
                      Re: Digital Financial Services

                      Thanks SnV
                      Let your smile change the world but don't let the world change your smile

                      I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                      If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                      Comment

                      • #12
                        Re: Digital Financial Services

                        Hi TM

                        Anything via the post yet?
                        "I fear all we have done is to awaken a sleeping giant and fill him with a terrible resolve."

                        The consumer is that sleeping giant.!!


                        I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                        If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                        Comment

                        • #13
                          Re: Digital Financial Services

                          Originally posted by SaltnVinegar View Post
                          Hi TM

                          Anything via the post yet?
                          Hi SnV,

                          Nope nothing, received the same email the other day though.

                          Everyone apart from Barclaycard has gone quiet atm. CCA request and SAR has been sent and they're sending it soon. So let's hope they dont comply and it becomes UE.


                          TibetanMonk
                          On Debt Row

                          AAD has so much to offer and wants so little back. Take advantage while you can.

                          Comment

                          • #14
                            Re: Digital Financial Services

                            Originally posted by TibetanMonk View Post
                            Hi SnV,

                            Nope nothing, received the same email the other day though.
                            Ok - well emails you can ignore. Did you ever get anything from the original creditor through the post (i.e. Default Notice).
                            "I fear all we have done is to awaken a sleeping giant and fill him with a terrible resolve."

                            The consumer is that sleeping giant.!!


                            I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                            If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                            Comment

                            • #15
                              Re: Digital Financial Services

                              Originally posted by SaltnVinegar View Post
                              Ok - well emails you can ignore. Did you ever get anything from the original creditor through the post (i.e. Default Notice).
                              I cant remember to be honest, I wasn't very good at keeping paper trails. I believe so, but I haven't ever received a Notice of Assignment.


                              TibetanMonk
                              On Debt Row

                              AAD has so much to offer and wants so little back. Take advantage while you can.

                              Comment

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