Ok cool.

Thought that!

I am paying via standing order that goes out same time each month. They have no card details of mine at all. Yes no charges etc.

Hi,

Had a large loan with Uncle Buck. After emails back and forth, including my MP sending them an email they agreed a payment plan.

They now have emailed saying there is a 3 month review and to send two bank statements.

I have NO intention of sending them anything. Shall I just ignore them emails or tell them that I will stick to paying the £40 a month to them. Only have about 6 months to go anyway.

@CookieRocks how did you complain? I am aware that it was my fault i overstayed.

Well we parked on the 3/8/14 and the date of letter sent was the 8/8/14.

Bit confused as some websites say sod'em whilst others say pay then complain. Have a few days to sort before it goes to £70.00. Only left it due to trying to see what was the best thing to do.

Hi

Quick one. Received a letter a week ago saying that I had parked in Asda for too long. This is true! I thought it was 4 hours free whereas it is actually 2 - my fault. But there was nothing on the car and just got the letter through.

Basically do I pay? Read lots but all seem conflicting.

What do you suggest?

Thanks

Had a letter from them saying we will hear by 11th August. A letter came on the 11th saying they needed more time and now a response by 11th September. Would this indicate a positive result?

Any more advice as still unsure where to go with this.

Thank you!

Really need to know if they are right in their 'shrugging their shoulders' attitude? As its over 6 years it tough or not?

I will write to them again but wondered if anyone knew anything certain?

I lie. £28,000

I had a look at an American site and it said £50,000. Could this be right?

Just an update. I offered £40 per month and stuck to my guns. Slow at responding to emails but they accepted the £40 per month till paid off and no fees added. I owed a lot £600+ so won't be paid off till end of 2015 so pleased with result.

I have seen it but we know the account number as we have the passbook so not sure of the point.

The letter basically brushed us off saying "well we haven't a record of the account so go away".

Just wondered if worht pursuing as £5000 in 1971 is worth a fair bit now. The passbook shows the credits but no withdrawals and no note of being transferred etc.

Hi,

Apologies as not sure which section is best.

I will shorten this as rather complex. Have a passbook from Greenwich Building Society from 1971 with £5,000 in it. (was my father in laws mother but both passed away now - mother in law still with us!)

I found out that ultimately it was sold to Portman and then to Nationwide. So wrote off to Nationwide, send copies of the passbook and they now say that as it is well over the 6 years and due to the Limitations Act 1980 that they do not have any details of the account and all files would now be destroyed.

I have a problem with this as there could be £5000 somewhere from 1971!

Anyone know how to proceed with this?

Many thanks

Swanleyboy

Wow. Well done you! I can hear hundreds of little fingers now typing to emails to all the PDL's!!

How much will you get back??

OK - so you literally give the income, outgoing, priority and then whats left and do not send them the PDF of the whole thing ?

Thank you.

@renegadeimp thanks for the link but the I & E looks as long as there's.

I have never sent a I & E before when dealing with PDL's.

Is it necessary? I have made an offer of repayment on what i can afford.

@thortondog how do you know this is their bank details. Are you getting any kind of confirmation that they are getting it?

@renegadeimp having difficulty seeing what letter you mean from Debtline as there are loads. Can you help?

Many thanks,

Before it is asked i've done the normal and cancelled CPA and lost my bank card.

Hi all,

Don't go there but I have, again, got myself into a situation.

Long and short I owe Uncle Buck £742.23. I emailed them over a week before it was due that due to devastating personal change in circumstances I cannot pay and I offered £40 a month.

Very slow to respond to emails and was told, on the Wednesday that an I & E form would be sent via email. It turned up Friday, the day the loan was due to be paid (25th April).

But they are asking for too much and seems very intrusive. The I & E form is very long with Excel tabs outlining every area of life!

Here is the email:

"Please complete the attached income and expenditure in full to enable us to determine what is a fair and reasonable repayment plan for you to repay your current outstanding debt.

When you return your income and expenditure form you also need to provide 2 further proof documents:

If your are in receipt of any benefits, a recent letter that confirms the type of benefit, the amount and how often you receive the payments and a complete bank statement dated within the last 3 months, showing receipt of your income and general expenses.

If you are employed, wage slips to cover one month dated with the last 2 months and a complete bank statement dated within the last 3 months, showing receipt of your income and general expenses.

Please ensure you return your completed income and expenditure and proof documents by the 29/04/2014.

If you have any questions or need any other help, please call us on 01959 583979. We are available from 8am to 6pm Monday to Friday."

I have major issues with sending any of this really.

Can anyone tell me where I stand and the best way to progress?

Thank you,

Swanleyboy

I have huge issues with Payday Express some time ago and my MP sorted them out, made them accept the DMP and got a grovelling apology from the MD.

Shame we can't private message on here as would like a chat with you as it seems we have/are travelling a very similar road.

Hey Jon,

Yes a fab result but thanks to you. For others looking I did add another page saying that I authorize the below to discuss my account - i put my local MP, the MP of where WDA is based, Carol Creasy, the Daily Mail money man and Payplan. I did not, ass of yet, email any of them but if there was no favorable response then I would have. My MP in Kent, in the past, has been amazing!

Just a quick update. I emailed the letter above - thanks Fletch - and sent a copy to their address also.

Here was the reply I received by email today.

"Dear Jonathan,

Thank you for your recent correspondence.

I can confirm that we are able to accept your Debt Management plan, and as a gesture of goodwill all interest and charges have been removed making your outstanding balance £548.07.

I will place your account on hold for 30 days awaiting a financial statement and offer of repayment from Payplan.

Regards

Rebecca"

Good news!!! Thank you to all!!!!!!!!!!!!!!

That looks great. Guess not much to lose.

I am going to email my MP and also the MP where they are based. I have found in the past that this is highly effective. Annoyed - but not shocked - that this is the ONLY PDL that has gone this far and so quick.

How do i deal with the £200 extra fees that they have added in under a week?

Once again so appreciative of the time it has taken you.