Hello i filed an IRL complaint to these due to the fact when they offered me the loan at the time my credit file littered with defaults and accounts in arrears they responded with the below, i never asked for a reduce payment plan. whats the best thing to respond with? i find it strange they are asking proof of income and everything now when they never asked for it when i first took out the loan. when i first took out the loan they never once asked for bank statements wage slips. Dear We acknowledge receipt of your recent communication the contents of which have been noted. In order that we may consider a reduced repayment plan please provide us with the following: ** Proof of your current income (a wage slip if you are employed or evidence of benefits) ** Details of your expenditure to include any balances owed to creditors and any repayments currently being made to them ** Your offer of repayment NB this must be a pro rata offer taking into consideration all your credit commitments ** The date you intend to make your first repayment We require the above information to be received at this office within 7 days from date of this email. If you would like to phone us to discuss your account please call 0113 887 3434 and one of our agents will be able to help you. We are open 9.30am to 5.30pm Monday to Friday. We look forward to hearing from you. Regards Cash4UNow Cash4unow.co.uk is a trading name of Novaloans Ltd, Company Number 07639288, Registered Office 7 Limewood Way, Seacroft, Leeds, LS14 1AB. Novaloans Ltd is authorised and regulated by the Financial Conduct Authority FRN 672320. Authorisations can be checked on the Financial Services Register at http://www.fca.org.uk/ or by contacting the Financial Conduct Authority on 0800 111 6768. Regards Cash4UNow cash4unow.co.uk

Hi, I need some advice please. I have just returned from holiday to find a CCJ waiting for me for an old loan I had with Cash4UNow about 2 years ago. The Judgement states '1st stop recoveries claim this amount in respect of an unpaid loan funded by Nova Loans. The defendant failed to abide by the terms of the contract. Ist stop recoveries purchased this debt from Nova Loans and subsequently sent a notice of assignment to the defendant to advise. The defendant has failed to respond to any correspondence or communication from the claimant thus denying the claimant any opportunity in assisting the defendant in attempting to bring the matter to an amicable conclusion' The judgement is for £479.99 + £35 court costs - Total £514.99 The claim form has a typed signature Emily Taylor (Claimant) When I had the loan from Cash4UNow, I paid back everything on time and had two payments left to make - I supplied them with my new debit card details but they failed to take payment. I received no correspondence chasing the outstanding amount until several months later at which time I was unable to pay the sum due. I am not 100% certain but I am not sure if I received a default notice or not. Also I have received, little contact from 1st Stop Recoveries - they did try to call me at work but I cannot take calls of this type at my workplace. I ideally through my line of work can't really afford to have a judgement against me. Is it possible if I get in touch with 1st stop recoveries that I could still negotiate to pay this debt and avoid a judgement being entered against me? Otherwise should I just admit liability and complete the form or would I have grounds on the basis that due to the system error at Cash4UNow that they did not take payments when due, to challenge the judgement or part of it? Advice please as not 100% certain how best to proceed with this. Many thanks

HI Guys, help and advice needed, I had a payday loan with this company, unable to pay in full, emailed them asking for a repayment plan, they have ignored my request, they are saying that I have done a fraudulant application although this is my second loan with this company!!!!! I am trying to obtain there sort code and account number!!! Does anyone know how I can get this?????