Ok tried to call however was told it was auto generated email even though it didn't seem like one and was advised to wait in a response to my complaints so no further forward on this one

Added wonga on to this list now had an email asking to call them how should I address this?

Ok next is perfect homes 3 quarters of the way through however now in discussions with Step change, I do know insurance etc where all added without given the choice on this, any advice? Template letters etc on how to deal with these muppets! Have read it can be difficult dealing with them!

No the other

So after sending an email to one of the above in regards to irresponsible lending, I have just logged in on one of the accounts and the account has vanished offline as if it didn't exist? Very strange!

Amazing well done had a good read

Good Morning Tackling payday loans next there is two companies I have emailed to advise of irresponsible lending and requesting refunds. One has acknowledged the complaint so far! Any advise on what to expect and what to do next Paydayuk Wageday advance

Thank you Very interesting reading

I'm sure it was rolled over looking at it one loan paid of another to take out a new one I believe does that make sense?

I couldn't possibly say! How would I have evidence of this? Sorry if this seems like a stupid question

Hey all Not been on here in while! ok so here goes My wife has got herself into a bit of debt without my knowledge and is now struggling to make payments etc due to us moving home and the expense that has caused so Im starting with Provident She had been paying nearly £60 a week to provident for a £2200 loan it looks it split into 2 different loans £700 Flat rate interest 68.50% APR 191.20% £1500 same interest rates as above this is causing a great deal of grief in the household soo please could anyone help with advise on how to go about tackling this one? Thank You Paul

Ok after sending those emails as above I have had loads of voicemails and texts left to contact them and threatening me with loads of charges dispite my payment proposal which has been ignored. should i just continue ignoring them or is there anything else i should be sending via email etc?

Thats not too bad sounds like you got a good guy to deal with.

oh thanks for all the help so far, that letter is soo good.

Does this sound ok to send via email??? Dear sir, I am writing in relation to communication from your company I now require all further correspondence from your company to be made via email only as requested in my last email and request that any telephone calls stop with immidiate effect. Thanks for your understanding

ok just had a missed call and a text message to contact them urgently soo what should i do send another email to say i will only communicate via email??? Thanks

Poundstillpayday email sent today Dear Sirs, Account reference I refer to an outstanding Pay Day loan that I have with yourselves. I have had an account with yourselves for some time and always repaid in a timely manner. Unfortunately the spiralling effect of such loans has left me in an awful predicament meaning I cannot fulfil my liability in one go any more and I therefore propose a payment plan structure that allows me to repay the balance over time, alternatively I will cease all repayments as I cannot afford this any more. The current balance is shown as £700.00 which I propose to repay in 10 equal instalments of £70.00. I cannot afford to repay any more and will not entertain haggling this issue, my offer is outlined above and I suggest you consider it as failure to will result in me considering my options which may include Bankruptcy - as we both know, if this occurs then you'd not get anything back as I genuinely do not have anything to give. If you could confirm by email that my offer is acceptable and enclose your bank details and the reference to use, I'll set up the payment plan to commence 27st April and each month thereafter by which time I will have fully repaid the balance. I have already cancelled my bank card thus alleviating the possibility of you trying to reclaim full payment so please ensure you send your bank details in your reply. Finally, I feel it necessary to remind you that being I am in financial difficulty and that I've taken the time to recognise and inform you of my predicament, any contact to myself must be via email only. I await your prompt response. Yours faithfully reply recieved today Thank you for advising us of your repayment issue. One of our Payment Services advisors will be in contact with you shortly. However, should you wish to resolve the matter sooner, please feel free to contact a member of the team directly on the freephone number: 08000 327 653. Our Payment Services advisors are available from 8am till 8pm, Monday to Friday. Thank you for choosing Poundstillpayday.co.uk Kind regards what is my next step as I dont want to speak to anyone over the telephone. Thanks for any help on this

Sorry if this is in the wrong section but could anyone help me word a letter/email to complain. Recently upgraded to Sky + last week and came home to find this mess left by the engineer - http://img.photobucket.com/albums/v7...s/SDC10611.jpg http://img.photobucket.com/albums/v7...s/SDC10612.jpg http://img.photobucket.com/albums/v7...s/SDC10613.jpg Our neighbour had sky + installed a couple of weeks before - http://img.photobucket.com/albums/v7...s/SDC10614.jpg I really think I should complain so could anyone help me with an email to send and who I would send this email to. Thanks in advance

Hi, Thanks for all your help on this, CCA request was recieved today by Howard Cohen & co solicitors. What happens now, what do I do next? Thanks Gonzo

Thank you for your help CCA sent today.

Can anyone advise me on this?

Recieved a letter today but not on behalf of Capital One but shopacheck, took a loan out with the about a 2 years ago but for the last few months no agent has called for payment dispite calling them several times. Letter from Howard Cohen & co solicitors Notice of pending legal action We have been instructed to prepare court papers for issue against you for non payment of the above debt. Our client has asked that we take this final opportunity to remind you of the implications of action being taken against you through the court. If court action is taken, additional costs will be added to the debt and you will be responsble for payment of these costs Debt due £210.50 Costs £65.00 If you fail to make payment following reciept of the court papers, judgment will be entered andenforcement action will be taken. This will further increase the amount you will have to pay and could include - A courtBailiff vsiting your home and seizing your possessions Your employer being ordered to deduct payment direct from your wages The debt being secured by way of a charge against your property You can stop this action and avoid further costs by paying £210.50 NOW Contact us Thanks in advance for any help on this!

In work today a colleage was being harassed by a DCA on the work's telephone. They had phoned her for payment on an account that she had been paying with them (think it was wescom or something like that). She was paying £50 every 4 weeks agreement was £50 a month The debt was originally Vodafone for £230 bt now owes £600, over £300 was cancellation fee from vodafone. They phoned colleague at work for payment, colleage explained she could pay £50 as agreed but was aked for more as she was behind a payment due to a direct debit returned, she therefore explained she could only afford £50 as she needs to save money for deposit for a flat as landlord is selling up. Dca Had replied with that it is not acceptable as this debt was a priorty and that she should go and borrow money from family and friends, colleage explained that wasnt an option DCA replied why do you not have family or friends, colleague explained herself further and asked for communication in writing as she was getting upset DCA replied with we dont communicate in writing. DCA also asked why she wasnt in work last week as they had tryed contacting her on many occasions. DCA have given her until tommorow and will be phoning back. What can she do as she isnt able to pay they are asking for £113 tommorow? Any help would be appricated!!! Thanks (also thanks for helping with my own thread also) sorry for the essay

Thanks will keep posted!!!!

Today I had two missed calls on my mobile while at work so couldnt answer them, bot withheld numbers second call went to answer phone, nobody speaking but sounded like a call centre in background. Not often I get withheld calls on my mobile so think they could be from DCA I guess these calls should be ignored aswell?