Thank you both for your replies. You are right, it isnt exactly what i wanted to hear. We made an agreement to pay half of the outstanding balance each and ive almsot paid my half and do not intend to pay more than my half of the arrears Can I take this to court and show that i have paid half and there is 2 names on the council tax bill? The other person is contactable but i dont see why i should be left with this on my own. Thanks

Good afternoon, Whilst sharing a property we came into council tax arrears over a few years which resulted in a bill for a few thousand pounds. Documents were served to myself and the other person from sheriffs officers. Myself and the other party no longer live at the address where the arrears took place but we both agreed to pay half each of the arrears. My half is almost paid but the other party is now refusing to pay their half. As the arrears is in both our names, my question is where do i stand once i pay half of the arrears and then stop paying. I am going to inform the sheriff officers my intentions when my half has been paid but looking for some advice of what will happen next. Thanks

Any ideas if its worth defending or not? Thanks BK

No, they refused my offer and that is why I'm being taken to court. I have the email they sent me refusing my offer of what I borrowed and one months interest. They are looking for much more, interest, charges etc and I refused to pay that.

When I was in a position to pay I was only willing to pay what I borrowed plus one months interest. They refused this and I just stuck to my guns on the matter.[ATTACH=CONFIG]40545[/ATTACH]

Yes

Hi, no the summons isnt for a court in England, its north of the border. BK

Good afternoon, thanks for replying It a copy of the small claims court summons with myself as the Defender and the name of the pursuers solicitors and details of the hearing date at the bottom. Thanks, BK

Good morning, I have been taken to court by a Payday Lender and I have been given a court date of when the case is. I lost my job a few years ago and could not afford to pay back the loan of £150. I made them aware that I had lost my job and wasnt in a position to pay back in the mean time. After gaining full time employment I told the lender I was willing to pay back what I owe plus 1 months interest and no more. They refused this offer and I have an email with them refusing this and are now claiming i pay on the summons £500+ I want to defend this in court. Im a bit apprehensive about naming the lender as im sure they read this forum and dont want to give them any sort of edge if they know im looking for help. Any thoughts on what my chances would be defending this? Many thanks, BK

I had an unsecured loan with Welcome for £2000 which I took out on July 2007. I was paying £214 a month with PPI included with this payment for 18 months before I defaulted and it was passed onto Muck Hall who Ive been in dispute with over how much i have to pay. If i put in a claim with FSCS will Welcome start pursuing me for the debt? I have moved address since the loan was taken out. Any advice would be appreciated. Thanks

Has anyone ever been taken to court by FLM and if so what was the outcome?

Thats a pity as it leaves you open to abuse like you say from people like this having your personal information so easily accessable. There are proper channels you should follow to make the correct complaints regarding Microlend and the abuse that you recieved. He will be regulated like every other loan company and you should complain to The Financial Ombudsman over his conduct.

Why is your work details so easily accessable on Google if you dont mind me asking?

Hi, Does anyone know if this company chases debts for any Payday Loan companies? Thanks, BK

Hi, RBS are probably the best bank with regards to fraud prevention. When you report a card lost or stolen all unauthorised transactions from your debit cad will be stopped or blocked. If you have a direct debit set up with a payday loan company you can cancel this with online banking, on the phone or in the bank. Some payday loan companies will still try and use the direct debit that was originally set up but will try a different set amount from the one that was originally agreed just to see if they can get their hands on your money. If this does happen phone RBS direct and they will see that you have cancelled the direct debit already and recall whatever amount has been taken and it will be back in your account the next day.

Usually these payday loan companies take anywhere between 1p and £1.00 from your account to verify that your debit card is active on application. Never heard of the £3.50 being taken on application.

Ive had dealings with the cheque centre in the past, they will take out your account what they say is due. Ive watched my account being debited £50, £50, £50, £50, £20, £10, £5, £5 in the space of 10 minutes using my online banking on the morning i was being paid. I had to keep money in my account as i had other stuff coming off othwerwise I would have transfered to my other account. They guy who works for them is most obnoxious ****** ever. He kept calling my place off work constantly. They will take whats due and more if they thinks its due to them from your account before the banks open. Other payday loan companies debit accounts at random times like 2am, 3am on the day that you get paid!

Hi Danzio, do you have online banking with your bank? If you do, then maybe an idea to keep an eye on your bank this Friday morning, Im meaning after midnight on Thursday, to check when your wages go in and do a quick transfer of your wages into your savings account online before these loan companies try to get hold of it. If you have a smartphone you can download apps from your bank, Im with RBS, and you can transfer funds between your accounts on your phone in seconds!

Thanks

Hi, Has anyone has much dealings with these people? Are they prompt when a CCA has been requested? Thanks

After challenging a DCA on an account and them failing to provide a CCA when requested I have been informed that the account has been closed by the DCA and the original account sent back to the Payloan Company. Will the Payday Loan Company use another DCA to chase the alleged debt? Thanks

Theoretically no they shouldnt be able to take money outve your account as you will have a new 16 digit number on the front, a new expiry date and a new 3 digit secuity number on the back but....... It has been known for some payday loan companies to set up direct debits without your consent for random amounts of money to see if they can access your account that way as they will still have your bank account number and your sort code. Make sure you keep a close eye on your account for this and if they do manage to make a direct debit without your consent, contact your bank as soon as possible to get them to recall that money. Transactions rougly take 3 days by direct debit so if you are quick then you should get it back. Also make the bank aware that this was done without your consent and make a complaint if need be to the bank. Ive read some terrible stories on here with how some bank deal with this matter, namely Santander and HSBC and seem to favour the loan company. Also report them to the Office of Fair Trading and The Financial Ombudsman if they have went down the route of unauthorised Direct Debits on your bank account. Remember......keep a close eye on your bank account!

CF1 are up there as one of the worst PayDay Loan companies there is. They wont be interested in a payment plan with you if you are paying them £117 a month and have been doing so for the past 12 months. What they have done with you is morally wrong, completely wrong. They have made a rediculous amount of money from you at no loss to themselves. Keep all records of what you have sent to them. The original amount plus one months interest is what you should have only paid back. Im just sorry you didnt come on here sooner and help would have been available to stop you paying that amount to them.

You have paid more than you should have. They will just keep on taking this £117 forever more, they arent interested in the original £400 if you are paying this every month. If I were you I would just cancel your debit card (or tell your bank it has been lost), they will issue you a new one with a new 16 digit number on your card and CF1 wont be able to take anymore payments out. Depending on which bank you are with, RBS are good if you are with them at stopping payments coming out, if you are not with them maybe get a new account for your wages to go into. When it goes to a DCA and threatened with court action dont be afraid of this. You have paid the original amount back plus £1000 interest and no court would ever expect you to pay anymore.

Hi there, So you have paid £117 for the past 12 months making total payment of £1404 paid for the original loan of £400? Is this correct?