PDUK & Credit Reports

[Dizzle]

Hi,

I have decided to default on my PayDayUK loan as I cannot afford more than the monthly interest, thus not reducing the overall amount. I plan to pay them the same amount once Collections have been in touch once the 28th has past.

 

Does anyone know if they will record something on my credit reports? There is nothing showing on either Equifax or Experian in the way of having anything owed to them.

 

Has anyone else defaulted with (specifically) PDUK? Did they put something on your reports, or are they clear?

Edited May 6, 2010 by Dizzle
updated thread title to help others

[jo0410]

They did put something on my credit report but not a default yet.

[TheAnalyst]

They did put something on my credit report but not a default yet.

 

Something as in what? late payment marks?

[jo0410]

No at the moment not even a late payment mark just a entry that i have an account with them

[Dizzle]

As mentioned, today was the day my payment is due and waiting for me this morning is the following standard email (where is says PAYMENT AMOUNT is exactly how it is in the email.:

 

-----------------------------------------------------------------------

 

Sent: Wednesday, April 28, 2010 8:35 AM

Subject: Loan Repayment Failed

 

 

> Dear Dizzle,

>

> Your repayment of [PAYMENT AMOUNT] due to Payday UK (GE4) was not

> authorised and your loan has now been passed to our collections team.

> Please be aware that failure to repay your Payday Loan will result in your

> account falling into arrears and possible charges could be accrued and

> that if you do not repay your loan and fail to contact Payday UK (GE4),

> this may be reported to the credit referencing agency, which could have a

> negative impact on your credit rating.

>

> 1. Have your Debit Card details changed?

>

> If this is the case, you can update your details using the link below:

>

> linky address thingy

>

> 2. Has your Payday changed?

>

> We understand that your payday may have changed. If this is the case,

> please call us on 0871 550 0073.

>

> 3. Are you having serious difficulties repaying your Payday Loan?

>

> If you are struggling to repay your outstanding balance, please call 0871

> 271 6111(Call charges apply – 10p per minute from BT landlines, mobiles

> and other providers may vary).

>

> Kind Regards,

>

> Customer Services

>

> Payday UK (GE4)

 

-----------------------------------------------------------------------

 

Below is my pleasant-now-lets-be-fair-and-approachable reply:

 

Dear Sir/Madam,

 

I respond to your email as below. I have recently lost my job and am

currently in reciept of Job Seekers Allowance at £65 per week. With regret,

that means I am currently unable to meet my obligation to you. Naturally, I

am keen to repay the amount owed as quickly as possible, and I hope that I

will not be out of work for too long.

 

In the interim period, I would like to offer a repayment schedule of £30 per

calendar month, payable on the 1st of each month or the first working day

after that. As May 1st is a Saturday, I offer the first payment, if you are

agreeable on 4th May 2010. I would like to make this payment as a direct

payment into your account. This is for my own security in managing my budget

effectively.

 

I anticipate that my offer may not be high enough for you, so I will

pre-empt that by stating now that whilst I am in reciept of benefits, £30

per calendar month is non-negotiable.

 

Therefore I would be very grateful if you can reply to this email with

details of which account and reference number I should use to pay the money

to you.

 

Please understand that this offer is conditional; I respectfully request

that you freeze all interest and charges on the account so that I am able

to make good progress in paying the outstanding balance. I would like to

point out to you that I have been a customer of yours for a year now and

have until now, had a perfect record with you.

 

When I return to full time employment I will be able to re-evaluate my

budget and expedite the repayment of any balance left at that time.

 

Please note that I am no longer contactable on either phone number you have

on record, this is due to my current financial difficulties. The landline

has been cut off, and the mobile contract sold on, so please do not phone

who I sold the phone to, she will not be able to assist you. Therefore email

is the quickest and most unambiguous way of resolving this matter.

 

I look forward to your prompt reply so that I can make the first payment in

a timely manner.

 

Yours sincerely,

 

Dizzle

 

---------------------------------------------------------------------

 

How does that read? Ok?

[Dizzle]

I've been reliably informed that I had 3 phonecalls and answerphone messages from PDUK on Wednesday and 1 text message (which detailed exactly how much I owe). No phonecalls since then though.

 

No answer to my email either. Looks like they won't get their first £30 on the 4th then

[Dizzle]

I recieved another email from PDUK today (poor sods have to work a Bankk Holiday lol) asking them to contact them.

 

I replied to that as follows....

 

-----------------------------------------------------------------------

 

Dear Sir/Madam,

 

I refer you to my previous email dated 28th April 2010. I am disappointed

that after 5 days I have yet to recieve a reply. £30 is waiting to be paid

to you as soon as I recieve your reply containing your banking details and

reference number.

 

I must also point out that in that email, I advised you that the mobile

number on your records is no longer held by me, and as you have now had that

email for 5 days, I will now point out that any further phone calls to that

number, including text messages must cease immediately. Any text messages or

answerphone messages left on number 077XX XXXXXX after the timestamp of this

email will be treated as a breach of the Data Protection Act, and if

discovered, I will pursue the matter to it's fullest extent.

 

I await your reply.

 

Yours sincerely,

 

Dizzle

 

----------------------------------------------------------------------

 

Then guess what? I got a reply.....

 

----------------------------------------------------------------------

 

Dear Damien,

 

Thank you for your email.

 

A response to your email on the 28th April was sent to you on the same day at 19:31 advising you to contact the Collections department.

 

In order to update your contact details please respond to this email with your new mobile and landline numbers for our records.

 

Please be aware that we need to speak to you regarding a repayment plan on your account. We are not able to set up monthly payments of £30, this can be made as token payments to your account but will not place your account on hold. While there is no agreement in place on your account we are able to attempt the full repayment at any time and you may be liable for additional charges.

 

You are now advised to contact our Collections department on 0800 280 2666 to discuss your account.

 

Kind Regards,

 

Samantha

 

Collections

 

----------------------------------------------------------------------

 

This is my reply. I await their response.....

 

----------------------------------------------------------------------

 

Dear Samantha,

 

Thank you for contacting me.

 

Firstly, I would like to state that I recieved no email from yourselves

until this one, and am responding promptly to this email, as I will do to

each subsequent email.

 

Please also, update your records to show my new address as I have recently

moved. As follows;

 

21 Xxxxxxxxx Xxxxxxx

Xxxxxxxxx

Xxxxxxxxxxxxxx

XX00 0XX

 

Please be advised that I do not currently have a phone number for your

records and request that all correspondence be in writing (by way of email

for expediency) so that I have a complete record of all communication

regarding this matter should it escalate to County Court.

 

As I have previously detailed, I can make payments of £30 per calendar month on or just after the 1st of each month and have requested a reference number and details of your account to pay this into which you have yet to supply.

As previously stated, if I gain employment I will aim to increase payments

at that time to settle this matter with expediency. This is my only and

final offer.

 

I feel that this is a very generous offer considering my current income of

£65 per week and urge you to accept this offer on condition that the total

balance to settle is agreed at £212.50.

 

If you insist on refusing this offer, then I request that you take this

straight to County Court where I will defend myself at my local court,

presenting this correspondence as evidence of your refusal of a fair offer.

The courts will also agree that my attempts to resolve this matter by email only are wholly acceptable.

 

I have been very fair and open with you so far, and request that you respect that and come to a satisfactory agreement to resolve this matter as quickly as possible.

 

I will not pay you any money until I have an acceptable repayment agreement in writing (by way of email) from yourselves. Please be advised that £30 is ready to pay to you tomorrow, 4th May 2010. I will hold this money until the agreement is in place, or to pay in court when the case is heard.

 

I look forward to your reply.

 

Yours faithfully,

 

Dizzle

 

----------------------------------------------------------------------

 

Samantha- if you're reading this- sort it out, girl!

[Dizzle]

Any words of wisdom at this juncture are much appreciated.

[Dizzle]

Dear Dizzle,

 

Thank you for your email.

 

In order for us to set the payment plan up for £30 per month, we need you to confirm the following information:

 

Bank Name

Debit Card Type

Name as it appears on the card

Long Card number

3 Digit Security Number

Start Date (if applicable)

Expiry Date

Issue Number (if applicable)

 

Once we have these details we can set the payment arrangement in place starting from the 4th May 2010.

Please confirm the dates that we will be able to take the regular payments.

Once we have this information then we will set this up on the system for you and an email will be sent confirming this.

 

Please note that until a payment is made on the account, you are still liable for the payment in full so it is advisable that you respond to this email as soon as possible.

 

Did you know that as we work with a credit reference agency, we share your account information on a monthly basis, so when you repay your loan on time, this could also help to improve your credit rating. However if you do not repay on time this could have a negative impact on your credit rating.

 

Kind Regards,

 

Katy

 

Collections

 

----------------------------------------------------------------------

 

Dear Katy & Samantha,

 

Perhaps I have not made myself clear. I require your bank details and my

account reference number. I will be paying the cash in over the counter, so

that I and only I remain in control of this agreement. I am aware of your

ability to call a payment from my card at your discretion, so I have taken

steps to prevent that from happening. I have cancelled my card and have

arranged for my money to be paid into another account. So any attempts on my

account will prove fruitless.

 

As stated in previous emails, the planned schedule is £30 per month on 1st

of each month or first banking day thereafter (e.g. 4th May for this month).

 

Your latest email implies that you will accept the £30 per month starting

tomorrow. I am explicit in stating that this repayment plan be on my terms

as stated.

 

I remind you that this offer is conditional:

 

1. No charges are to be added.

2. Interest is to be frozen.

3. You agree that the total sum owed to you is £212.50

 

And one final condition, as you bring it up in your email:

 

4. No adverse data is to recorded on my credit file with Experian, Equifax

and Call Credit unless I default on this agreement.

 

I look forward to your explicit acceptance of this arrangement by return of

email, along with your bank details and my reference number so that I may

pay you the first £30 tomorrow morning.

 

Yours faithfully,

 

Dizzle

 

----------------------------------------------------------------------

 

Who in their right mind would supply complete CC information in an unencrypted email? Are they insane?

 

I will not budge on this. I am in control and I want them to realise that!

 

Is anyone reading this??

[Dizzle]

Dear Katy & Samantha,

 

I am disappointed to see that you have not responded to my previous email as shown below.

I am eager to pay you the first instalment of £30 which I have in my hands right now. You have approximately 2.5 hours until it will be too late to pay it in today.

 

I await your explicit agreement to my offer as detailed below and

confirmation of your bank details and reference number.

 

Yours faithfully,

 

Dizzle

[sillygirl1]

Send them the email every hour.... after all they love automated emails!

[Dizzle]

Still no response from them since Bank Holiday Monday.

 

Yesterday's email to them...

 

-----------------------------------------------------------------------

 

Dear Sir/Madam,

 

I am still waiting for your response. This will be the last attempt at

communication from myself until I get your reply. Please remember, I am more than happy to settle this at County Court should you not accept my offer.

 

Yours sincerely,

 

Dizzle

 

----------------------------------------------------------------------

 

Today's email to them...

 

----------------------------------------------------------------------

 

Dear Sir/Madam,

 

Despite my saying in my last email I would not contact you further, I feel I

must as I want to reach a resolution as quickly as possible. You continue to

disappoint me by not responding to my attempts at communication.

 

PLEASE DO NOT IGNORE THIS EMAIL. THIS MATTER WILL NOT GO AWAY!

 

It has been over 48 hours since I have last heard from you and I find this

unacceptable. You have shown that you work Bank Holidays, so your silence on

a normal working day is puzzling.

 

£30 continues to be ready for payment into your bank account.

 

Yours sincerely,

 

Dizzle

 

----------------------------------------------------------------------

 

Every email to them is another bullet in the gun should this get to court.

 

Question for everyone:

 

If they refuse this offer or continue to ignore me and push this matter to a DCA, can/should I refuse to deal with them (especially if they ask for more than £212.50) and allow them to take me to court? Or should I play ball with the DCA if the amount is the same? Can I dispute anything extra added if handled by a DCA, given my attempts to resolve this directly with PDUK?

 

Thanks.

[robjam1969]

Brilliant dizzle - love the do not ignore this matter will no go away.

 

Personally I would now leave them to it. If they pass to dca treat them in the same way. They would look like right muppets if they went to court. Once they know court threats do not phase you they will have to negotiate or not get paid.

[Dizzle]

Yes, I thought that would raise a smile or two

 

I think I spooked them once I told them the card they have for me had been blocked, as the dialogue was flowing quite freely up until that point. I really wouldn't be surprised if the next thing I hear from them is a DCA letter through the post.

 

Don't think they like customers who won't roll over at their request.

[Dizzle]

I've started getting Mail Delivery Error reports from them (I've seen other threads on here reporting similar problems). I have sent them an email from my Hotmail account to see if I get a response this time around.

[candyflosspot]

nice letters there ! i still have an ongoing QQ saga & would love to use one of the letters if you don't mind. I think they are clear & to the point ...

 

have you heard anything back yet?

[Dizzle]

nice letters there ! i still have an ongoing QQ saga & would love to use one of the letters if you don't mind. I think they are clear & to the point ...

 

have you heard anything back yet?

 

No problem at all and thanks for the compliment.

 

I'm documenting everything here so that it serves as help for anyone else in a similar situation.

 

I've not heard back from them as yet, but will keep updating as and when.

[Dizzle]

UPDATE!

 

Dear Dizzle,

 

Many thanks for your email.

 

In order for us to locate your account can you please confirm your full name, date of birth and postcode?

 

Kind Regards,

 

Barry

 

Customer Services

 

 

---------------------------------------------------------------------

 

Certainly Barry.

 

Dxxxxx xxxx, 9xx xxxxxx 19xx and xxxx xxx (previously xxxx xxx)

 

You will see every detail of my offer contained below in the previous emails, and I hope to get this sorted ASAP.

 

I would be grateful if you could have a word with your IT department as it appears your email system is blocking my main email address.

 

Dizzle

[Dizzle]

Another 24 hours later and nothing else from them. So, my absolute final email to them, completing the working week.

 

I have no idea if what is highlighted in bold would hold up in any court or not (probably not), but we'll see if it pulls a response from them lol.

 

----------------------------------------------------------------------------------------

 

Dear Sir/Madam,

 

I'm getting rather fed up with your lack of action on this matter. Do you want my money or not? £30 has and continues to be available, since Tuesday as per my offer, which you refuse to accept or decline.

 

If you do not respond to this email today by 8.30pm (your stated close of business), addressing the points clearly detailed further down and in (many) emails sent to you this week, I will accept your silence as releasing me from all obligation from yourselves regarding this matter. If, after close of business today, Friday, 7th May 2010, you decide that you do think I should repay you the outstanding balance of £212.50, you will have to take action through the County Court and explain to the Judge why my offer has not been taken up by yourselves. I will attend the hearing.

 

I will not enter into correspondence with any Debt Collection Agent regarding this matter, as this should already have been long since dealt with by yourselves.

 

This is your final opportunity to resolve this matter amicably.

 

Yours sincerely,

 

Dizzle

[Dizzle]

Letter received in the post this morning....

 

Dear Dizzle,

 

We write to confirm the payment arrangement that MEM Consumer Finance Ltd's Collections Department have recently agreed with you. We have tried on numerous occasions to confirm the payment arrangement with you by email as per your request, but it appears that these are not being received. Emails have been sent on 3rd, 4th, 5th and 6th May 2010. Please see below due payment dates and details:

 

Date Due: Monthly. Amount due: £30. Total to be repaid: £212.50.

 

No additional interest or charges will be added to the account provided all payments are made. If there are any difficulties making any of the payments please contact us on the free phone number listed below prior to the due repayment date.

 

Please note that if a payment is missed then the repayment plan will be automatically cancelled, the full remaining due amount of the loan will fall into arrears and may be collected at any time as per the terms and conditions of your signed Agreement.

 

Please be aware that failure to make payment may lead to further recovery action being taken against you, including but not limited to your account being referred to an external third party collections agency.

 

Regards,

 

Recovery Manager.

 

---------------------------------------------------------------------

 

Sadly, the letter doesn't contain their bank details, so I will use the details on this site. But despite the breakdown in communication, it looks like its job done.

 

I'll be paying the first £30 this morning.

 

*UPDATE*

 

£30 paid this morning. Balance remaining now: £182.50

 

This will be my last post to this thread, unless it is to answer any questions any caggers may have.

Edited May 8, 2010 by Dizzle

[Super Saints]

Hi

 

Great news and well done you. Im having the same problem and wandered how you contacted them as my emails are now getting returned. Who and how can I contact them, I agreed to pay them £20 per month, made the mistake of giving them my card details to do this, they have now wiped out my bank with 4 card payments totally over £140 the day my job seekers was paid in leaving me with no money to feed my children. I need them to get in touch so PLEASE PLEASE HELP !!!!

 

Many Thanks