Desperately need help quick please!

[jess22]

Hi

Ive at present got a problem with an outstanding payday loan,the loan was previously with same day cash and i defaulted,they tried to make arrangements with me but wanted £189 a month for 6 moths for an outstanding loan of approx £700,i agreed and paid the first three payments but could not stick to the plan,never heard anything for months until i got a call from gothia they had my loan and again pushed me into making higher payments than i could afford,this time they said i had to pay £75 a month for 6 months and this would clear the debt,again i paid for about 2 as couldnt stick to it and they wouldnt help me,after that heard nothing until i recieve a letter from a company called opos they have my debt from gothia and want full payment of £1500,

I rang them and had a very heated conversation on the phone with somebody who told me i had until wednesday to decide if i pay over 10 months or half the balance by end of this month approx £750!! I explained i could not afford it and could only pay approx £25 as im still paying others,he said it wasnt good enough and asked me to give them details of my i and e,i was happy to do this until they involved my husband asking what job he does,how much he earns and wether he owns the house we live in! i explained i was not giving that information as the debt is mine alone and i dont want him involoved,he then said i would have to disclose it in court which is what they would do if i didnt pay the amount they want

I came off the phone and started to think about it,after a chat with a friend she offered to lend me £500 but said she couldnt until after xmas,so i enmaile opos asking if i could pay the £500 previously offered by gothi a over 6 months to clear the debt and if i paid £25 nov and dec and the rest in the next 4 months which my friend would lend me oin a monthy basis,an email came back saying previous offers are now void and either i pay £750 by end of nov or £10 payments of £150,i cannot afford either,please can somebody advise what to do next,i have until this evening or further action will be taken

SORRY FOR WAFFLING X

[Jamie Kingston]

i highly doubt any further action will be taken, its just a baseless threat. wait it out, stick to your offer and when your friend is ready to lend you the money try and get them to agree to a one off payment to close the debt. chill, its all ok.

[robjam1969]

Hi

Ive at present got a problem with an outstanding payday loan,the loan was previously with same day cash and i defaulted,they tried to make arrangements with me but wanted £189 a month for 6 moths for an outstanding loan of approx £700,i agreed and paid the first three payments but could not stick to the plan,never heard anything for months until i got a call from gothia they had my loan and again pushed me into making higher payments than i could afford,this time they said i had to pay £75 a month for 6 months and this would clear the debt,again i paid for about 2 as couldnt stick to it and they wouldnt help me,after that heard nothing until i recieve a letter from a company called opos they have my debt from gothia and want full payment of £1500,

I rang them and had a very heated conversation on the phone with somebody who told me i had until wednesday to decide if i pay over 10 months or half the balance by end of this month approx £750!! I explained i could not afford it and could only pay approx £25 as im still paying others,he said it wasnt good enough and asked me to give them details of my i and e,i was happy to do this until they involved my husband asking what job he does,how much he earns and wether he owns the house we live in! i explained i was not giving that information as the debt is mine alone and i dont want him involoved,he then said i would have to disclose it in court which is what they would do if i didnt pay the amount they want

I came off the phone and started to think about it,after a chat with a friend she offered to lend me £500 but said she couldnt until after xmas,so i enmaile opos asking if i could pay the £500 previously offered by gothi a over 6 months to clear the debt and if i paid £25 nov and dec and the rest in the next 4 months which my friend would lend me oin a monthy basis,an email came back saying previous offers are now void and either i pay £750 by end of nov or £10 payments of £150,i cannot afford either,please can somebody advise what to do next,i have until this evening or further action will be taken

SORRY FOR WAFFLING X

 

Hi Petal

 

Time to stand up to Gothia. They are quite harmless but stop talking to them. I would CCA them and them and wait for them to reply. They will have of course 14 days. How much have you paid back in total and how much was the original loan for? It might be time to tell them to get lost. Just need to know more detail so we can tell what is reasonable final offer from you (not them!)

Whatever you do dont borrow more to pay them back. They are low priority and will have to wait.

[jess22]

Hi

Thanks for your quick replys,Robjam the debt was originally wonga/same day cash they passed it to gothia who have now passed it to opos!

Im unsure of the original loan as its was some time ago,i think it was £700,i defaulted and made 3 payments of £189,then defaulted again and it was then passed to gothia who i made a few payments to a couple for £75 and about 2 or 3 for 30,i know it sounds bad andi was getting more on track until this!

Opos have just emailed me saying they are taking it to court as i am relyuctant to disclose my husbands information,im not being funny but it is none of there business the debt has nothing to do with him and im not having him dragged into this,i was more than willing to provide my information untyil they asked for hubbys

I also asked opos for a copy of my credit agreement over the phone and was told they are not there to provide it,i want some proof that i owe this debt,i know i do and im willing to pay it but i also want to know where they get there figures from! to my reckoning ive paid back approx £800 but still owe £1500 for a £700 loan:shock:

[robjam1969]

You would have to send the CCA request in writing with a £1 postal order. They will then have to respond. If they don't then they are commiting an offence. Whilst writing I would ask for a break down of all payments and charges on account. You can decide if you wish to pay them any more. Just because they say they will go to court doesnt mean they will!!!

 

In view of what you have already paid I wouild be tempted to say enough and take me court . They will then have to explain their conduct to the judge. I suspect they will just go away.

[jess22]

Hi

I asked these guys to take me to court but they wont,there continuing to phone me on both my home and mobile number i have tried to discuss this with them but they wont have any of it they have requested my husnbands wage details and what he earns,ive told him im not giving them this but they wont listen,the guy is very agressive and told me i had to cooperate,im frightened he,s going to tell my husband about this as he has threatened to,please help i cannot cope anymore,how can i stop him phoniong me

[Jamie Kingston]

to be honest i dont think you can stop him phoning. you can say you are recording the conversation, this scares thrm somrtimes.... try and come to an arrangement with them...

[jess22]

to be honest i dont think you can stop him phoning. you can say you are recording the conversation, this scares thrm somrtimes.... try and come to an arrangement with them...

 

Ive tried to come to an arrangement but they want details of my hudbsnds wage etc, its nothing to do with him, the debts mine, they just wont liisten, and keep phoning, ive specifically asked them not to ring my home number but they still ring it:-(( its really upsetting me ive asked them to take me to court as im upset about the interest added as there stating i owe £1600 for a £600 loan and ive already paid back about £600 over a period of time, ive asked for credit agreements, financial statements but havent been given them, ive tried emailing gothis who passed it to opos but they wont anser me either:-(( i really dont know what to do next, im done with dealing with threatening bullies!

[robjam1969]

Hi Petal

 

I would still send them formal CCA request. They will default and you will be able to refer them to their failings. They will then be legally unable to chase you as the account will be in dispute.. I would put a complaint in writing to the OPOS and say that you feel initimidated and harrassed by their methods. Point out that you will report them to the data commissioner if they discuss with your husband. They are getting unpleasant because you are standing up to them. Stand firm.

[Jamie Kingston]

agreed with robjam. it has nothing to do with your husband.

[jess22]

Only just got this message thanks ) they phoned again friday and told me that my credit agreement was what i signed online and that was my agreement to the terms and conditions etc,i ended up having a very heated discussion,again the guy said i have to involve my husband and they wont accept any arrangement without his wage details,hoiw much the house is worth etc,i said id been given legal advice that they had no right tomy husbandds information,he said that my legal advice was wrong and they were and they are entitled to go to court and get a charging order on my house (the house is in my husbands name only) I ended uop literally screaming down the phone,telling them to stop harassing me or id report them,the guy put the phone down on me,they are the worst people ive ever dealt with,please be aware!!

[Kitten1]

Sweetie, they will not get a charging order on the house. End of.

 

Can you change your phone numbers and write to them, requesting contact only via email or post?

 

Some of these people are the most unpleasant I have ever had the misfortune to come across (and I'm a mental health nurse!!). If they have not responded in writing to you CCA request, THEY are in default now so threaten them with court and see how they like it!!!

 

I had a similar situation but with an OC. The bloke who was my 'case manager' was vile on the phone to me, refused to write, kept threatening all sorts to me from doorstep visits to court action. I used to get upset about it and almost be in tears down the phone to him (I'm blaming hormones as I had a very young baby screaming during one such call!!) but all it did was make him be more disgusting in his manner towards me. I then managed to get hold of his email address from one of his colleagues!! So, I started emailing him with my repayment proposals until he eventually agreed.

 

Sit tight and stand firm - you will get through to them in the end xx