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EvoZ

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  1. EvoZ
    I got this email a few hours ago, some advice? Dear Mr xxxxxxxx I am in receipt of your i&e and unfortunately in order to consider your offer of £20.00 a month to this 30 day loan you need to provide us with proof of your income/benefits or you will need to consider the 3 options below: There are 3 options available for you to pay the outstanding balance back. 1. Payment in Full £515.00 2. Full & Final Settlement (available for a limited time) £387.00 3. 6 Monthly Payments of £85.85 Please contact me as a matter of urgency to confirm your intentions and prevent any further action on your account.
  2. EvoZ
    All help given so far much appreciated guys.
  3. EvoZ
    Well it says it on the letter that they act for the above named "WDA" and have been instructed by the DCA. So I am unsure how to take that, has WDA given them authority to take legal action or has the DCA instructed them to take legal action on behalf of WDA? What you mean by default judgment? Why do you always reply in riddles. If the DCA is owners of the debt, then they are misrepresenting this loan and everything else.
  4. EvoZ
    What you mean by default? That I don't defend myself? Or that the judge will agree that they can charge the interest?
  5. EvoZ
    Do I look like I am getting worried? Lol. I just need some advice. I know you're saying this is a scare tactic however moon beevers solicitors is not a fake solicitor firm, they have actually won some good cases from my research. The only thing that worries me is this going to court and I lose, t hat would mean a CCJ being registered against my name. If I win, no CCJ. It's 50/50. A CCJ would really mess my career up. Also I have read alot about DCA's and them taking debters to court on behalf of their client. It seems that DCAs are instructed to collect the debt on behalf of their client and if this means going to court then on behalf of their client they are allowed to take me to court. I've not read anywhere that a DCA cannot take you to court on behalf of their client. However; If a DCA or Solicitor makes good their threat to take legal action- What documentantion will they be producing to the court to show proof of claim? Under what legal or lawful basis will they be pursuing their claim against you? If you offered ''conditional acceptence'' of their claim - where is the controversy that can be presented in court?
  6. EvoZ
    What do you mean? All my mail from my old address is redirected to my new address. Correct me if I am wrong, but a CCJ is given when I don't respond and defend myself right? If this DCA decides to take me to court, I will get my papers, have 14 days to respond to the claim (or get another 14days extension). Even if I lose, I guess they give me 30days to pay. And if I don't pay then, I guess that is when they get a CCJ against me. This would probably all take a few months. I am not denying I am contracted to WDA anyway, I just have an issue with the fact they added interest a nd also are refusing me a new payment plan. This is actually really annoying me cause I am going to be a solicitor in a few years and any court action would harm my future career badly.
  7. EvoZ
    I don't have any letter to says my wage was cut cause I moved to a different part of the UK, so my salary was cut and that would also mean I would need to give them my new address which I am not gonna do. Let them think I still live where I live.
  8. EvoZ
    WDA is not the one asking, it's the DCA. I supplied WDA with a IE in 2012, which they accepted without any proof. This DCA ardent is either very stupid and is gonna take me to court or they are bluffing. Either way, I am pretty retarded myself, so they got their hands full. So what should I do with this DCA? Fill in their IE form or send my own IE form?
  9. EvoZ
    Complain to WDA? Okay, I will go through their complaint system and shoot off an email later tonight.
  10. EvoZ
    Yep I know, so what if they say they won't accept IE without proof?
  11. EvoZ
    Don't ever give them your bank details, tell them to provide theirs and make a payment through "pay bills" in online banking. Just stick at it, I had a p2p account aswell and they provided me with their bank details. Just keep asking and they will give in eventually.
  12. EvoZ
    This was an email from WDA in september when I told them I got a paycut; Collection​s (collections@wagedayadvance.co.uk) 9/17/13 To: xxxx Dear xxx Many thanks for your email, as your contracted hours have not changed since when you obtained the loan and you are not working over time which has caused the change we would be unable to look in to an arrangement for you. Regards
  13. EvoZ
    You're right. "Debt & Revenue Services ("DRS") is a division of Ardent Credit Services Ltd ." But they are not in solihull. I don't think WDA has sold the debt cause it says their name all over the place and "on behalf of WDA". I have not given them anything. Ardent is now asking me to fill in a IE form though, and asking for proof. Which I am not gonna do. WDA never asked me for proof of my paycut, they just said it is not a good enough reason for another payment plan.
  14. EvoZ
    I don't think so. Ardent Credit Services Ltd (formerly Commercial Credit Management Ltd) Moorgate Point | Moorgate Road | Liverpool | L33 7XW
  15. EvoZ
    I noticed that aswell. "current intention". It says their clients "current intention" is so and so. However, who is their client? "We act for the above named, having been instructed by its collection agents. Debt & revenue services" Debt and revenue services are a 3rd party, is a 3rd party privy to my contract and are they privy to take legal action against me? I find that hard to believe. I have emails from WDA who refused to set up a new payment plan cause they did not believe the fact I had a paycut as being a reasonable reason for a new payment plan, cause according to them. I was still doing the same hours, so therefore it doesn't matter even though I am now getting 25% less wages. I have emails from the DCA who have never offered me anything other than full and final offers. I did get an email from them today stating that I need to fill in a IE form and send it back with proof, I am not gonna show any proof and a IE form is not compulsary. Should I email WDA and tell them that the DCA is not giving me a payment plan and that they have instructed a solicitor to take legal action when they are not privy to the contract? And should I email the solicitor and state that the DCA is being unreasonable when I already had a payment plan with WDA which I which to resume minus the extra charges?

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