Payday Express **

[superhooper]

I defaulted on the loan in april & including the one months interest i owe £500.

I got a letter this morning saying i now owe them £715 & that if i do not pay they will pass on the debt. I knew it would be passed on but how do i stand with the DCA when they want payments for £715?

Any advise would be great

[ihateyes]

laugh and laugh hard........

did you contact them in april, and offer a repayment plan??

Did they refuse????

 

These charges and their terms and conditions can be seen as unfair and unreasonable.

they wouldnt accept a plan for me, so i saved the money up over 3mths, called them and made payment. they said i owed charges.

 

I told them if they want the money for charges, they need to take me to court, and explain their unfair charges,,,,

Needless to say that didnt happen.

 

Call PDE and ask to speak to sally smith.... she was helpful after they sneakily tried to take £40 out of the debit card when i paid in full. (it got paid back to me within 60minutes)....

[superhooper]

Yes i have been emailing them every other day with a repayment plan but they have not accepted anything! Sure it will be passed onto a DCA soon so just hope they dont want the charges.

[Cait116]

Offer to pay back the loan plus one month's interest only and stick to your guns, whether it be the PDL or a DCA. They are not allowed to lump on unfair charges and would have their wrists slapped if it went to court. Just keep emailing them with an monthly offer - what YOU can afford. Remember, this is only a payday loan and although it's best to pay back the debt it goes way down the list! Priority debts like mortgage, council tax, rent, elec, gas and water come way way before this and you need enough to live on. Don't leave yourself short. As long as you keep in touch via email or letter then you will be ok. Take control hun and don't let them bully you x

[Darren MO]

laugh and laugh hard........

did you contact them in april, and offer a repayment plan??

Did they refuse????

 

These charges and their terms and conditions can be seen as unfair and unreasonable.

they wouldnt accept a plan for me, so i saved the money up over 3mths, called them and made payment. they said i owed charges.

 

I told them if they want the money for charges, they need to take me to court, and explain their unfair charges,,,,

Needless to say that didnt happen.

 

Call PDE and ask to speak to sally smith.... she was helpful after they sneakily tried to take £40 out of the debit card when i paid in full. (it got paid back to me within 60minutes)....

 

don't suppose there's an email address for this sally smith that anyone has got?