Just had another look at the letter I received today and noticed this at the bottom of their letter: ''Debt Management Agency (DMA) - if you are thinking about using a 'fee based' DMA, you should speak to our preferred agency - Debt Reverse. They will GUARANTEE to beat any fees you have been quoted and Mr Lender will wipe away your to debt to £0,saving you £330. Contact them on 0800-151-3328 (or 0208-498-6781 from a mobile) and quote : xxxxx. Alternatively, you can e-mail them directly using dmp@mrlender.co.uk' And in small print: ''If you have already instructed a debt management agency and have been quoted a set-up fee and monthly management fee, Debt Reverse will beat your quote, and will offer the same service for less. Additionally, when you make your third payment in your plan to Debt Reverse, Mr Lender will wipe your total outstanding balance to £0. Debt Reverse is a trading name of Safe Money Ltd. CCL:0641669'' Something is worrying me with this, they state that the debt will be wiped when you make your third payment - well stupidly I agreed to roll over my loan over three months when I took out the loan and this is very similar to my roll over agreement and is this DMA a trick to get people into thinking they are going to get help with their debts when it may be a tactic for Mr Lender to recover their money?. Also the e-mail address is the same as the one used by Mr Lender.

Right the two letters I have received are EXACTLY THE SAME and here is some of the wording from the letter: 'YOU HAVE A BALANCE OF £330 WITH MR LENDER' on a loan of £180? 'THE OPTIONS ARE - PAY JUST THE CAPITAL OF £200 TO SETTLE THE ACCOUNT OR PAY THE FULL BALANCE £330 OVER THREE MONTHS' 'PLEASE NOTE: PAYMENT MUST BE MADE BY 7PM 31st JANUARY 2014' Now the best part! 'WE MUST ALSO MAKE YOU AWARE THAT WHILE YOU ACCOUNT IS IN ARREARS, WE WILL ARRANGE TO SELL YOUR ACCOUNT TO A NATIONWIDE DOORSTEP COLLECTIONS AGENCY CALLED MOTORMILE FINANCE LTD, WE ADVISE YOU TO MAKE A PAYMENT AS SOON AS POSSIBLE TO AVOID FURTHER ACTION.' Now, apart from a couple of e-mails they have sent me both with two different monthly interest rates I am very dubious about the letter I have received from Mr Lender as you can see they are offering me TWO payment options which makes me think that this debt may not be enforceable and also I could soon have the pleasure of being bombarded with text messages,phone calls from MMF and their threats of sending Door Step Agents to my home! - if the later want's to think that they are above the law and think that the OFT debt collection guidelines DONT APPLY to them then bring it on.

Just had TWO letters sent second class and without even opening them they are from Mr Lender, how do I know that? their company name and address is on the rear of the envelopes - is that Legal? normally there is a PO BOX Number,town/city name and postcode as a return address. When I get the time I will post BOTH letters (minus personal info) on the website so you can see what you all think.

I'm having issues with Mr Lender, I received two e-mails from them both with different monthly interest rates and also advising me of £60.00 charges to be added to my account (Late payment fee,Default fee and Letter fee) none of which is in the loan agreement and I still have not received the letter that they claim to have sent and think they will charge me for, the day that my loan was due to be repaid I had 10 missed calls from them and a message left on our answerphone stating who they was from and asking me to contact them - I have sent them several e-mails asking that all communication be in writing only for them to e-mail me back claiming that I agreed repay the loan on the 3rd January which I have no knowledge about and did not agree to.

They did send me their bank details but there is no way I was going to even risk entertaining paying them by that method, they also keep mentioning that I can pay by debit/credit card on-line which is a no no as far as I am concerned, and if they want to come to a repayment agreement (that is IF they decide to read my e-mails and then accept any repayment offer when I decide how much to offer them per month) then it will be by Postal Order and for a amount that I can afford.

I will be sending a FULL AND EVEN MORE FORMAL complaint to Mr Lender by letter and will send it by Special Delivery tomorrow, I'm looking forward to them sending my DISPUTED DEBT to a DCA then I will have the last laugh.

I received a e-mail from Mr Lender earlier today: 'Dear We are still yet to receive communication from yourself in regards to when payment will be received to bring your outstanding account out of default. We previously had it noted on your account that you would be making an online payment on Friday 3rd January 2014, however this is still yet to be received. Please confirm when payment will be received, as your account will remain in collections until then. Kind Regards, Payments Advisor MrLender Direct Tel: 0208 532 5020 Web: http://www.mrlender.com Post: Mr Lender, PO Box 366, Loughton, IG10 9EW' Now am I missing something here?, like (1) I have sent Mr Lender many e-mails but they have obviously been ignored and I still have not received the letter that they THINK they are going to charge me £20 for, and (2) Where the hell did they get the impression that I sent them a e-mail on the 3rd January saying that I was going to pay? as I have not sent them a e-mail confirming this - I have disputed this debt with them and also the charges which are unenforceable and also I have made a formal complaint which like my e-mails has also been conveniently ignored as well, I have also submitted a complaint to the OFT and FOS regarding the treatment I have received and also the charges and the dubious monthly interest rates which they can't make their minds up over. Just been looking through the consumer credit agreement which I received by e-mail and NOWHERE does it state anything about charges and also the monthly interest which you will see in my previous postings is either 25% or 30% of the balance per month and they obviously can't make their minds up.

So far I have not received any default sum notices or the letter that they claim to have sent out to me and also they think that they are going to charge me £20 for, so does anybody think that this agreement is unenforceable so far as I have received no default sums or default notice by e-mail or by post?.

Looks like they cant decide whether or not to charge me 25% or 30% interest per month, either way they can whistle for it along with their charges.

I have now sent complaints to Trading Standards, the Office of Fair Trading and also the Financial Ombudsman Service so it will be interesting to see if anything happens.

Just to up date everybody, I've just had a e-mail from Mr Lender a few moments ago: 'PDL Finance Limited trading as Mr Lender Address: Suite 105W, Sterling House, Loughton, Essex, IG10 3TS Telephone: 0208-532-5024 Date of notice: As per this email. Credit Agreement reference number: This notice is being given to you as required by the Consumer Credit Act 1974 because we have charged you the following default sums under your agreement with us. Description of charge, Amount Late Fee, £20 Letter Fee, £20 Collection Fee, £20 Total: £60 Please contact us on 0208-532-5024 in order to discuss the state of your agreement. This Notice does not take account of default sums which we have already told you about in another default sum notice, whether or not those sums remain unpaid. Interest We are not entitled to charge you interest on the default sums for the first 28 days after we have given you this notice. However if the sum is not paid in full by that date interest will be charged at the rate of 30% per month. Head of Collections PDL Finance Limited trading as Mr Lender' Any advice on this would be appreciated as they continue to ignore my e-mails and I'm not sure that these charges are legal.

I'll set the ball rolling on Monday morning, just a tad worried that the likes of MMF will eventually get involved as ML has passed on overdue loans to them going by what's on the net.

Strange, as the person who called me back to confirm my details prior to the loan being completed was not american and had a english accent...

What will be the best action to take with Mr Lender?, I have spoken to my manager and he confirms that he was not contacted and also there is no record of any calls being received from them as they apparently use a 0208 number like they did when they contacted me.

I have not contacted them by Telephone after taking advice off the CAG forum, the calls got that bad I had to invest in a call blocker and also purchase a new PAYG sim card - by the way has Mr Lender breached the DPA by leaving a message confirming who they are from on our landline answerphone?

Hello to everybody on the forum Well I hope somebody can help and/or advise me, I recently applied for a payday loan with peachy.co.uk for £200 at the start of December and was refused by them and immediately referred to Mr Lender who approved me, within 10 - 15 minutes I was contacted by Mr Lender and answered a few questions and was approved for a loan and that the roll over fee of £70 would be taken from my account on the 31st December. In between taking the loan and the repayment dates my debit card was stolen and I was also placed on part time hours at work so I was unable to pay the £70 roll over fee on the 31st December, I informed Mr Lender who sent me back a snotty e-mail stating that they want £70 by bank transfer and that texts,SMS and telephone calls will continue even though I did the right thing and informed them of my situation. After 9am on the 31st December I had a call left on our land line answerphone which is not private and asked me to contact them, the person who called left a message which confirmed who they was from and asking me to contact them,also on the 31st December I had 7 missed calls (without leaving a message) on our landline all within 4 hours and also many missed calls on my mobile and several SMS messages from Mr Lender. I have also received a e-mail from them stating that 'we will have no choice but to mark your public credit file with a negative marker, you will also incur the late fee we advised you about yesterday' - I was not advised of any 'late fee'. And another one a few days ago 'Remember, whilst you choose to ignore the repayment of this loan, you will continue to incur various fees and Interest at 25% of your balance!!! We do not want to have to charge you anything additional to what you already owe us so please call us so that we can work with you in processing the roll over that you requested If we do not hear back from you today via email or telephone, we will have no option but to pass this account accross to our internal collections desk'. Now I have no idea what the 'various fees' are as I have not been made aware of these and also I am very dubious about the interest at 25% of the balance, IS THIS LEGAL FOR THEM TO ENFORCE THE SO CALLED FEES AND INTEREST?. I have not chosen to ignore the repayment of the loan and have informed Mr Lender of my situation and they don't seemingly want to enter in to a repayment plan without me being £70 out of pocket before they will consider a repayment plan or have conveniently decided to ignore me. Also Mr Lender has not contacted my employer to confirm my employment status at the time I applied for a loan and has not contacted my employer since my payment was due on the 31st December, I have also read on the net that Mr Lender passes on debts to a certain company called MMF who I will deal with if need be. I hope somebody on the forum can help/advise me on what the best way is to deal with Mr Lender. Many Thanks

Brig make sure you send off that mass complaint to the FOS etc regarding MMF before you leave!.

Whatever you do DONT give them your bank details, knowing this lot they will take what they want regardless - offer them payment by a Postal Order if they refuse then you have offered to make payment which will work in your favor should they decide to take you to court, even if they do refuse your offer of payment still send it anyway.

I tried another internet security package and their website is still being flagged as unsafe, how this lot are still in business is beyond me.

Their website is still being flagged as Unsafe by Norton today, I had a look at the threat info and its a 'Drive by download' and the website is registered in the USA...

Hi all I hope you can advise/help me, I recently took out a loan with Payday UK for £200 which was due for repayment two weeks ago, I offered full and final payment of my loan on the 21st December but I have received a e-mail from Keyes Whitlock & Co. saying that they cant hold my account until then unless a holding payment of £25 is paid which I can't afford as I have had to work a month in hand and the 21st December is my first payday from my new employer. I have tried explaining this to them but they are not interested, I am worried as to what they will do next, can anybody help or advise me please?, thanks.

Just received this e-mail in response to my complaint which I escalated with CSL/Power2Contact AFTER I HAD SENT THEM RESPONSES FROM THE OFT AND THE FOS Good Afternoon Mr XXX I write in reference to your recent email dated 13th September 2012, which has been passed to me for response. The contents of your emails have been read and noted and I can confirm that I have updated your account to reflect the administration order that you have recently applied for. Please be advised that the account will be placed on hold for a period of 28 days whilst we await the confirmation of your administration order. In response to your queries regarding a potential visit to your property I can advised that I have cancelled the impending visit however I would like to advise you that Credit Solutions Ltd does not have bailiffs, we have door step collectors who visit customers to discuss proposals for clearing the outstanding balance on their account. Our field agents are in no way intended to threaten, humiliate or cause distress to our customers, they are simply an alternative to discussing accounts via telephone. Please accept our apologies if you have felt in anyway inconvenienced by our previous response and the possibility of a doorstep visit. I can further confirm that we have removed your telephone number from our system and future communication will be via writing. Should you have any further queries with regard to the content of this email please do not hesitate to contact me directly. Many thanks and kind regards XXXX So have this lot FINALLY got the message?, maybe involving the OFT and the FOS got them running scared!.

Hi all Once again many thanks for you help with my on-going battle with CSL/Power2contact,I have received a response from the OFT which is as follows: Tele No XXX Our ref XXX Fax XXX Date 10 September 2012 Email XXX Dear Mr XXX Consumer Credit Act 1974 (the Act) Complaint Against: Credit Solutions Limited Licence No: 300314 Thank you for your email received on 10 September 2012. I can confirm that the business you mention holds a consumer credit licence. Under the Consumer Credit Act, holders of consumer credit licences must be fit and competent to do so and the Office of Fair Trading (OFT) has a duty to monitor the fitness and conduct of all traders who hold such a licence. The OFT has issued guidance to consumer credit licence holders engaged in the debt collection industry. The guidance is intended to ensure that debt collectors treat individuals fairly. Non-compliance with this guidance will call into question the fitness of licence holders and applicants. You can view our guidance at: We have therefore recorded the details of your complaint, and we will consider this alongside any other complaints we have received with a view to any consumer credit licensing or other action we may decide to take. If we do take any action against this trader we may need to contact you again in the future. Unfortunately, we cannot disclose any details about any action we may take, due to legal restrictions on the OFT relating to disclosure of information. While we are very sorry to hear about the difficulties you have been experiencing, the OFT has no authority to become involved in individual disputes between consumers and traders so we cannot advise you directly in this matter. The Financial Ombudsman Service can help with most complaints about consumer credit products and services if the consumer has failed to satisfactorily resolve the matter directly with the consumer credit licensee itself. The Financial Ombudsman Service can be contacted at: The Financial Ombudsman Service South Quay Plaza 183 Marsh Wall London E14 9SR Telephone: 0800 0234 567 The OFT has published a consumer guide about debt collection which you may find helpful. The guide can be viewed on the OFT’s website: Thank you again for writing to us and bringing this matter to our attention. Yours sincerely XXX Enquiries and Reporting Centre Office of Fair Trading I have forwarded this to CSL Complaints with the following e-mail from myself: To who it may concern, I have submitted a complaint to the Office of Fair Trading following the treatment I have received from you which I consider to be unfair, please see the response which I have received from them, furthermore I WILL ONLY DEAL WITH YOU IN WRITING ONLY AND AS CSL/POWER2CONTACT ARE NOT BAILIFFS OR POLICE OFFICERS YOU HAVE NO LEGAL RIGHT TO VISIT MY PROPERTY WITHOUT MY PERMISSION,PLEASE BE ADVISED THAT IF YOU DO DECIDE TO VISIT MY PROPERTY AND REFUSE TO LEAVE WHEN ASKED THEN I WILL CALL THE POLICE FOR YOUR REMOVAL. I therefore now request that my earlier complaint be escalated as I am unhappy with your response as the contents of which are incorrect, please note the response from the OFT and also my wording above. I await your response Have I done the right thing? and does anybody think that CSL/Power2contact will now follow through with their actions and send anybody out to my property?.

Thanks everybody for your help, I have sent a e-mail to the OFT who have responded and recorded my complaint against CSL, I will also send CSL another e-mail now stating that I will only deal with the OC and see what they have to say.

Happyhippy, is there a letter template that I can send them with words to that effect??