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acrasherkid

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Everything posted by acrasherkid

  1. I have complained to the oft, financial ombudsman and bcca. Are there any other email addresses for senior people as all I email is the collections email and they Sooooooooooo Rude!! Thanks
  2. I then told them I am no longer at threat of redundancy but still require a repayment plan as I find myself in severe financial difficulties
  3. Sent an email 5 days ago so chased up this morning and got this response:- Collections collections@uncle-buck.co.uk 12:38 PM (5 hours ago) to me Please see our response below sent on 01/03/12: ----------- xxxxxxxxxx As we have previously advised repayment plans can only be offered in exceptional circumstances, you informed us initially you was due to be made redundant. We request confirmation of this so repayment options could be explored. As you no longer have the threat of redundancy your options are as follows: 1. You can pay back the loan in full 2. You can pay the rollover fee of £75 which delays payment of the full balance until your next payday, each request is assessed and the number of extensions are monitored. We do not recommended this option and should only be used when facing a temporary cash flow problems, if you require a longer term loan we suggest you seek a more appropriate product. 3. You can make the rollover fee of £75 plus any additional payment to reduce the loan amount. Regards Uncle Buck CAN SOMEONE PLEASE OFFER ME ADVICE? SILLYGIRL? THEY ARE REFUSING MY REPAYMENTPLAN?!?!?
  4. I made that one up to see there response and then send the next email to see if they back down (I took it from here but lost the topic!!!). Thanks for the messages, I will persavere!! I have done 10/11 and considering I have only rolled this over once you can see why they don't want me to pay this off!! Also the OFT have the emails
  5. acrasherkid

    Experto credite

    still there a bunch of cowboys, there based in Reading and 95% would sell there grandmum for a fiver. Its all based on commission so I guess each caller will differ
  6. acrasherkid

    Experto credite

    Thats true........there system is set so that all notes are recorded, i.e. who answers, if not answered etc. I do remember them being very clear however in stating if someone states they do not who the receipient is and that they have recently gained the number then we are to delete it, which everyone did do (mainly me)
  7. No im paying what I would in interest charges, so say 65 in interest im paying 70 but it's better than not paying any capital. The way I see it is £700 a month PURE interest or £700 of the debt in real terms, its just a shame I have to pay an extra £60 for both mr lender and epdl as they have added the £60 to the total. I am concerned most about Uncle Buck as they won't allow me to come to a payment arrangement
  8. They are working batch files from MBNA if they get a response they are allowed to take monthly payments until the account is passed back they have no authority I used to work for them and ashamedly called people about the MBNA stuff. They also do the car finance stuff as well although I forget there name.
  9. acrasherkid

    Experto credite

    EXACTLY!! DO NOT REPLY - ALSO WHEN CALLING ALL YOU HAVE TO SAY IS SORRY I DO NOT KNOW WHO THIS IS PLEASE REMOVE MY NUMBER FROMY OUR DATABASE, THEY HAVE TO IF THEY DON'T THEY ARE BREAKING THE LAW WE WERE TOLD THIS SPECIFICALLY. THEY ALSO USE UNDERHAND TACTICS LIKE CALLING YOUR NEIGHBOURS TO SEE IF YOU ARE STILL AT THE PROPERTY......THE TRACE MANAGER WAS CALLED IAN I used to work for these cowboys when I needed a job and lost my previous one. They s*it themselves if you know your in the right. Sarah is the collections manager demand ot speak to her, also if they phone the same number more than three times in a day it is classed as harassment, also they MUST accept any payment, Finally as they bulk buy debt they have a certain timeframe to collect payments before the "account" is passed back. I rememeber I was useless........don't worry £1 a month will be fine
  10. I used to work for these cowboys when I needed a job and lost my previous one. They s*it themselves if you know your in the right. Sarah is the collections manager demand ot speak to her, also if they phone the same number more than three times in a day it is classed as harassment, also they MUST accept any payment, Finally as they bulk buy debt they have a certain timeframe to collect payments before the "account" is passed back. I rememeber I was useless........don't worry £1 a month will be fine
  11. So that is all the information, what should I do? please help Worried and stressed
  12. I sent them the folowing earlier afte reading an excellent post on here about someone else who had a similar probem with Wagedayadvance:- Dear Sir / Madam, I have found out that my bank have withdrawn my overdraft and applied all of my charges / interest to my account, which is now leaving me in an terrible financial situation. I will not have any funds in my bank account for you to collect your payment to cover my loan, or pay any of my household bills as my wages which will be paid in on 21/03/12 will just cover the bank charges on my account. Please can you therefore with immediate effect, not attempt to take any payment from my bank account, either by Direct Debit or using my Visa Debit card details supplied as this will mean I will incur further charges from my bank and have even less money to enable repayment of my debts. I would now at this point like to arrange a payment plan with you and freeze any further interest and charges going forward so I am able to pay off my debt with you as quickly as possible, contacting me either by letter, e-mail or on my personal mobile number only. Contacting me at work would cause me further distress and I would also class this as harassment as I do not wish to be contacted at any point regarding this debt whilst at work. It is with great regret that I am having to ask for a repayment plan, but due to these unforeseen circumstances which have now effected my ability to repay the loan to you in one lump sum, I have no other alternatives available. I will have to contact all of the other companies who I pay by Direct Debit to arrange payment options with them also as this has left me totally penniless and I have no idea when I will be able to get back on track. For my protection, and from a legal point of view, I would like to inform you of the following: You have 3 methods of contacting me (letter, e-mail, personal mobile - which has voicemail enabled for messages to be left) which should be more than adequate for your company to communicate with me regarding the repayment of the loan. I have heard / read stories about people being constantly contacted when in my situation and I must inform you that I will be taking note of all methods of communication (times, dates etc) so to keep a record should I feel that I am being harassed or continually contacted, receive calls that are cancelled within a few seconds or receive automated voicemail messages asking me to contact you back. Please can you confirm that your company agrees to my preferred methods of contact and will not contact me whilst at work, either on my personal mobile telephone or work number. I must inform you in the strongest manner that I do not wish to be contacted at my place of work at any point regarding this loan / debt as this could jeopardise my employment and therefore I would not have the monies to repay the loan to you. My work telephone number was only provided for you to confirm that I was employed and that my place of work had a working land line, and this is what you informed me when setting up the loan. My work environment is not a place for me to discuss personal finance matters, or arrange further more convenient times for us to discuss matters further if you cannot do this by letter or e-mail. I can only be contacted by telephone on my personal mobile number between 4pm and 9pm Monday to Friday. Any calls before 4pm will not be taken as I am at work, but voicemail messages can be left for me and I will contact you back at the earliest possible convenience, if this is not convenient for you, then a letter or an e-mail communication will have to be used. I expect not be contacted on any other number than my personal mobile number, and should I find this is happening then I will seek immediate legal advice as I have now given you prior notification regarding this. I have no doubt that your company fully understands my situation and will adhere to Section 40 of the Administration of Justice Act 1970, and the Protection from Harassment Act 1997 whilst I am arranging repayment of the loan with yourselves, and throughout the duration of any repayment period. I am fully aware of the OFT Debt Collection Guidance and I will consider making a complaint about a company's behaviour under the guidance if it becomes apparent that you do not follow the legal guidelines and would have no other alternative than to seek legal advice. In particular section (2.2 g) 'Ignoring or disregarding debtors' legitimate wishes in respect of when and where to contact them, for example, shift workers who ask not to be telephoned during certain times of the day'. I do hope however, that we can arrange a payment plan to alleviate the stress of my whole situation, and to also enable the repayment of the loan to your company as promptly as my finances will allow. I look forward to hearing from you and will help in any way I can to organise repayments with your company as soon as possible. After contacting Trading Standards via Consumer Direct, I have also read and been made aware of CPUTR and will be following everything closely to ensure that your company follows the legislation set out. I look forward to speaking with you soon regarding setting up a payment plan to enable full and final settlement of my loan over the coming months. Regards,
  13. This was Uncle Bucks first response:- >>>>>> As advised yesterday via email without confirmation of the termination >>>>>> of >>>>>> your employment repayment options cannot be explored. Once the >>>>>> required >>>>>> document has been provided by yourself we can then look into options >>>>>> available. >>>>>> >>>>>> The minimum payment required is the rollover fee of £75 you are free >>>>>> to >>>>>> make >>>>>> any payment in addition to this to reduced your capital balance. >>>>>> >>>>>> Regards >>>>>> >>>>>> Uncle Buck NEXT EMAIL On 2/23/12, Collections wrote: >>>> Provide the document required and your account will be assessed for >>>> repayment options, again I would like to remind you that additional >>>> payments >>>> on top of the rollover fee will reduced your capital balance. >>>> Regards >>>> Uncle Buck NEXT EMAIL On 2/24/12, Collections wrote: >>> We are not refusing the possibility of repayment options being explored >>> but >>> you have yet to provided the required document, once this has been >>> received >>> you will be informed of the repayment options available to yourself. >>> Regards >>> Uncle Buck NEXT EMAIL On 2/24/12, Collections wrote: > You have advised us you are being made redundant, we only require a copy of > the confirmation from your employer detailing your redundancy. We can accept > a copy of any letter or email you would have received from your employer > confirming you are being made redundant. > Regards > Uncle Buck EMAIL ON MARCH 1ST (PREVIOUS EMAILS FOLLOWED SAME SUIT AS ABOVE EVEN THOUGH I MENTIONED TH EOFT AND HOW LENDERS SHOULD NOT ALLOW THE ROLLOVER OF LOANS MONTH AFTER MONTH As we have previously advised repayment plans can only be offered in exceptional circumstances, you informed us initially you was due to be made redundant. We request confirmation of this so repayment options could be explored. As you no longer have the threat of redundancy your options are as follows: 1. You can pay back the loan in full 2. You can pay the rollover fee of £75 which delays payment of the full balance until your next payday, each request is assessed and the number of extensions are monitored. We do not recommended this option and should only be used when facing a temporary cash flow problems, if you require a longer term loan we suggest you seek a more appropriate product. 3. You can make the rollover fee of £75 plus any additional payment to reduce the loan amount. Regards Uncle Buck
  14. This was the same email I sent to all of my creditors, surprisingly this worked for all except Uncle Buck Hi As a responsible lender I am sure you aware I have had my loan with you guys now for a month, whilst I am able to defer my loan I am no closer to paying this off. As my other lenders have acted very reputably by allowing me to pay this off in instalments until cleared (£100 a month) would yourselves be able to let me come to an arrangement whereby I pay this off now in instalments rather than keep rolling this over and keeping me in a cycle of debt? I would really appreciate if you could try and let me know as this is causing me a great deal of stress, my other loan providers have done so thus saving me from this vicous circle of debt and I know at Uncle Buck you do not want to keep your customers indebted. Please therefore take payment of £100 a month from the 21st March until the debt is cleared, many thanks. Kind Regards,
  15. Hi Guys, I know i've been stupid but I started this mess when I started my new job after losing my previous one and continued to roll them over. Just so you are aware I have no family (i'm 25) and my friends cannot loan me money so it is truly me against the world. What I need help with is I have e-mailed Uncle Buck since the 21st Feb (the day my rollover was collected to let them know that I required a repayment plan. They stated they can only offer in exceptional circumstances for example a bereavement or loss of job, I thought I would try my luck and state that I had lot my job. They stated they required proof but I did not want to make something up as I was worried his could make things worse so I have been back and forth trying to convince them to allow me to pay in installments (25 emails in 3 weeks!!!) until a few days ago, I have now forwarded them a new template so hopefully that will work. My current predicament is:- Liquid Advance - 459 Uncle Buck - 325 txtloan - 320 247 moneybox - 251.32 early payday loan - 240 mr lender - 260 1 month loan - 325 cash genie - 260 payday uk - 312 payday express - 500 Wonga - 775 I must admit I originally sent the same email to all of them and after a bit of back and forth managed to convince 9/10 to repayment plans. EPDL want interest of £60 included in there payment plan and mr lender require £60 also, but as they have agreed to the plan I am happy with that, what I am not happy with is UNCLE F*CK not allowing me enter a repayment arrangement. I do not know what to do and if someone would like me to forward all correspondence I can. Also, I have copied both financial ombudsman and oft into the e-mails but they do not seem to care (Uncle Buck). They were also the final loan I took out. Also I have a wonga loan......although there thieves I must admit they are easy to come to a payment arrangement with also and I will begin to start paying this in April.... So this is my predicament, it feels good to share and having looked through this forum for quite a while now I believe it truly is the best so thanks in advance for all the feedback. Thanks :@)
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