Sca mmers have been sending out a host of fake vouchers, purporting to be from some of the nation's favourite supermarkets and high street stores. These fake voucher promotions have been popping up all over Facebook, Twitter and the rest. You will be led through some questions to get your voucher and you will have to supply your mobile number and your address – ostensibly so your “prize” can be sent out. In reality, your phone will be hit by premium rate calls costing up to £5 each https://www.lovemoney.com/news/26495/dont-fall-for-this-supermarket-voucher-[problem]

Hi, I really need help with this company. I took a 100 pounds loan with speed credit on the 11.09.12, but i have lost my job before the repayment time and due to being a studant i only recieve money in large lump sums and my next one is not until january. I am aware that i have been stupidly ignoring letters and calls as i have had no way to repay anything i owe them right now, however i really do wish to clear my debt and want to start corrispondence with them to come to an agreement but am unsure where to start. My origional loan repayment should have been £124, since then my debt has been passed to northen debt recovery who sent me the following email 'we have been passed your file by our client speed credit t/a speed credit pay day loan*. You took a loan with them on 11.09.12. They have made numerous attempts to contact you to arrange repayment and have offered to put you on a more flexable and affordable payment plan (which they havent as they havent talked to me at all). as you have ignored all calls, emails, letters and sms your file has now been passed to ourselves as well as solicitors. PLEASE CALL US AS A MATTER OF URGENCY ON 0843 318 0843 OTHERWISE we will be left with no option but to send out field agents to your addresses. we are also liaising with our solicitors who are in the process of obtaining a County Court Claim against you. Once this is secured we willl then be able to execute; - a warrent of execution for court baliffs to seize goods, - an attatchment of earnings to deduct sums from your income source, - a garnishing order to freeze your bank account. Legal and recovery fees have been added to your file. Below is a break down of what you owe; Loan GBP 100 Loan & Interest GBP 196 Legal Fees GBP 150 Recovery Fees GBP 200 Repayment To Date GBP 24 Total GBP 547 These fees may be reduced if you contact us immediately' I have also recieved many sms from them saying that baliffs will be coming to my house in 7..6..5 etc days..also i have recieved two texts saying 'jessica you have committed to a payment plan to settle your toothfairy loan. A payment of 96 is due tomorrow' which i am confused about as i havent committed to a payment plan and my loan was through speed credit. This morning i have recieved a letter from Appelton Massey Solicitors stating; 'Outstanding balance 523. we act for NDR who acts as agents for speed credit in relation to your speed credit payday loan*. we are informed that dispite numerous attempts to obtain payment the debt remains unpaid and outstanding. we are instructed that un;ess your remittance is recieved within 7 days or alternatively, that you contact NDER and make an acceptable arrangement for repayment, county court proceedings are to be issued to you without further notice. the issue of proceedings will incur costs which will be added to the debt if judgement is obtained and will increse the sum due significantly. In the event that a judgement is obtained, it is likley that we will be instructed to enforce judgement against you. this may involved one of the following etc.' They have also already taken out three sums of £24, £12 and £12 out of my bank account causing me to become over mt overdraft and i am now expecting to have £10 a day charges from my bank as a result. I understand i have got myself into thsi position however i feel for a 100 pounds loan this new 547 or 523 figure doesnt make sense. i want to repay what i owe but cannot afford the new figure, i am worried about baliffs and court proceedings, and also that the company wont help me as i have no actual income until my studant loans. Sorry for the long post but please help!

Basically, took out an original loan of £100 *SpeedCredit*, with interest it got to £196, then it got passed to NDR and the total skyrocketed to £561 [which also doesnt add up with the figures they've put in the letter] We rung them [but I didn't record the call] and agreed that the debt would be cleared if we paid £200 by 26-06-2012, but a week later we got a letter from AMS saying that we've made no effort to make payments, or an 'acceptable arrangement for repayment'. AMS have also said that unless the amount is paid in FULL by the 26th they will issue County Court Proceedings against us. I've noted some advice about only paying the loan amount plus one month interest, which seems fair, but as I havent seen anything on court proceedings it's starting to worry me. Should I take it more seriously because it's from a solicitor, or should I treat it the same as any other DCA's? Any help or advice you could give me would be hugely appreciated. Letter7