Hi, Do you have a contact name/ email address at the ombudsman? I wish to do the same.

Many thanks for your response. The problem I have is that this account is showing on my credit report as outstanding. Is there any way I can get this entry removed/updated? Any advice would be much appreciated!

Hi I have been harassed by OPOS regarding an old pay day loan debt for two years now. After my repeated requests for them to provide a breakdown of the supposed total I have finally received the below. The balance breakdown we received consists of : Principle : £150 Interest : £217.50 Penalty 1 : £25 Penalty 2 : £55 Attempt Fee : £440 Debt Collection Fee : £100 I also requested a statement of all previous payments that I had made, as follows; 1st Sept 2012 - £19.5 31st Oct 2012 - £100 5th Nov 2012 - £100 I know that the majority of the charges are unlawful. I am in the process of drafting a letter stating that as I have repaid £219.50 (more than my original loan amount) I consider the account brought up to date. Is there a way I can get debt to be shown as repaid on my credit score? Any help would be much appreciated!

Hi Guys, I have had ongoing correspondence with opos regarding a loan I took out with MiniCredit almost 2 years ago. After repeated requests for them to provide me with a completed breakdown of the claimed debt including charges/fees/interests I have finally received the below. They are attempting to claim £1,187.50 on an original loan of £150! Would appreciate any advice on how to respond. I am sure the Debt recovery fee and attempt fees are unenforceable. Here is the requested statement : Loan reference: Date issued: 01/09/2012 Due date: 25/09/2012 Loan principal £150.00 Interest £217.50 Overdue charges £80.00 Debt Recovery fee £100.00 Attempt fees (£5 per attempt) £640.00 Total balance £1,187.50 Payments received 31.10.2012 £100.00 05.11.2012 £100.00 Sincerely, Derek Thanks in advance guys.

Is there any way to find out the owner of this debt? You would recommend ignoring all correspondence from NDR? I am more than happy to pay what I owe, but I do have issues with all the unlawful charges added on. Complaint has been sent to the OFT and I have an upcoming meeting with Miss Membe to give a witness statement

this debt does not appear on my credit report how can I find out who is the official owner of this debt?

Have just received the following response regarding my formal complaint. Any advice as to how to respond would be much appreciated! We are sorry to hear that you have a complaint about the service you have received. The company attempts to treat its customers fairly in all circumstances and we apologise if you believe the service you have received falls short of your expectations in any way. Please accept this email as acknowledgment of your complaint. We have 8 weeks in which to try to come to an amicable agreement. If we are unable to come to resolve your complaint in that period, you will receive a Final Written Response. This will set out the company’s final position in respect of your complaint. If you are unhappy with the Final Written Response and wish to appeal further you have the right to make a formal complaint with the Financial Ombudsman Service. You must make sure you do this within six months of receiving the Final Written Response or you may lose your right to ask the Ombudsman to review your complaint. The contact details for the Financial Ombudsman Service are as follows: Financial Ombudsman Service South Quay Plaza 183 Marsh Wall London E14 9SR Website: http://www.financial-ombudsman.org.uk Email: complaint.info@financial-ombudsman.org.uk Phone: 0800 023 4567 or 0300 123 9123 You may also be interested to read their pamphlet, “Your complaint and the ombudsman” which can be found at http://www.financial-ombudsman.org.uk/publications/consumer-leaflet.htm We hope that you find the information contained herein to be helpful and that we are able to resolve your complaint to your satisfaction. I will summarise your file and then answer the points raised in your letter in turn. I have reviewed your file in detail and can see that you took out a £300 loan on the 24th November 2012. The loan was on a 14-28 day basis. Interest accrues at the rate of £45 every 7 days. As the loan was not paid back in the contractual period and the subsequent grace period it was passed over to a third party debt collection agency and a £350 fee became chargeable. To date we have received repayments of £45. As a result your current balance is £1105. Payment Plans:- When your file was held by Easy Finance Club, the amount was repayable in full, as you will still in your contractual/grace period. Easy Finance Club, in line with the OFT guide lines will only accept payment plans if a debtor can provide a fully evidenced income and expenditure form, which shows that they are in financial difficulty and are unable to make repayments. Northern Debt Recovery, the third party debt collection agency who your file as passed over to, accept payment plans that they deem as reasonable. Under the OFT guide lines, NDR are under no obligation to accept any offer they do not see as reasonable. As far as I can see on the file, no offer was made. Contact:- Our call canter’s opening hours are set as such so that we will only call customers at ‘reasonable times’. Our systems are also designed not to call out a customer an unreasonable amount of times. In terms of door recovery agents, NDR are well within their contractual and legal rights to send an agent to visit your address to discuss your debt with you. They are NOT bailiffs or any other figure appointed by a court and do not purport to be. As a result you are well within your rights not to allow them access to your property. Offer:- Well I thank you for your offer, we are unable to accept it. Your current balance is £1105. I am able to reduce this to £650. This can be split into monthly repayments. Please note that I have frozen the communication status on your file, so that you will receive no phone calls. I am unable to stop automated email and SMS communications at this time. This is an issue our IT team are currently working on to fix. I look forward to hearing from you. Yours sincerely, Alex Cohen Complaints Assistant Web Loans Processing Limited Tel: 0203 194 7762

Thanks, earlier I received a voice mail from Marshall Hoares stating that they were going to apply for a CCJ (am I right in thinking they have no powers to do this?) When you say run out of time, what is the time frame in which they are supposed to respond in?

I am yet to receive a response from NDR/Marshall Hoares regarding my formal complaint (although I am still receiving the automated calls/voice mails) would you recommend that I send a follow up letter / email?

I have just received 4 variations of the email below, each stating different amounts owed. They are yet to reply to my letter which was received by them yesterday morning I am due to speak with Elizabeth Membe tomorrow at 13:30 to have a quick chat with a view to setting up a time to take a witness statement This is a reminder that you committed to pay back your Easy Finance Club*** debt. This debt is now very overdue. We have allowed you to extend the loan as a goodwill gesture. As part of settling this debt you are committed to paying GBP 1025 by 01.02.2013. In accordance with the Standard Terms and Conditions you agreed to, we will be automatically taking payment tomorrow as agreed to therein. Please ensure the amount of GBP 1025 is available by midnight tonight. IT IS ESSENTIAL THAT YOU HONOUR THIS AGREEMENT AND THE PAYMENT. If there are insufficient funds in the account and/or the payment fails, your file may be fast tracked to Door Recovery Agents and failed payment fees of GBP10 per transaction applied. If payment continues to be non-f orthcoming, then the file will be passed to our Solicitors for review. This may lead to a County Court claim (or Sheriff Court claim if you are in Scotland) against you. IF YOU DO NOT WISH FOR US TO TAKE THIS PAYMENT YOU NEED TO CONTACT US ON 0843 381 0843 IMMEDIATELY SO THAT YOU CAN ARRANGE FOR REPAYMENT, STOP YOU INCURRING FURTHER LATE PAYMENT FEES AND ESCALATING ACTION! If you have any questions regarding this, or will be unable to pay contact customer services NOW! Yours sincerely, COLLECTIONS NORTHERN DEBT RECOVERY 0843 381 0843 NOTICE: The contents of this e-mail are intended for the named addressee only. It contains information which may be confidential and which may also be privileged. Unless you are the named addressee (or authorised to receive for the addressee) you may not copy or use it, or disclose it to anyone else. If you received it in error please notify sender immediately and then destroy i t. Northern Debt Recovery Limited (NDR) is a company registered in England and Wales whose registered address is Northern Debt Recovery Limited, 15 Lyndhurst Terrace, London, NW3 5QA, United Kingdom. Company registration number 6956396. Northern Debt Recovery Limited (NDR) is licensed by the Office of Fair Trading under Consumer Credit Licence number 631166.

Have just received confirmation from the Royal mail that the letter has been successfully delivered. Await a response from NDR!

I did not send a specific telephone harassment letter however I did state in numerous emails that I was to only be contacted in writing. I have kept Ms Membe up to date with all correspondence with NDR/MH

Hi guys just a quick update for you. I sent the compaint to NDR last tuesday via recorded delivery however it still states that it is being processed through their network. I have re sent it today via next day guaranteed delivery so it should arrive before 1pm. Am still receiving generic texts/voicemails from Marshall Hoares threatening home visits. With regards to Elizabeth Membe at the OFT she has my number and I will update this forum as and when I receive her call

that was sent via email, I am yet to receive the letter. attached is a PDF of the email

Is this the letter you were after?