Peach Loan Threats to contact employer

[Welshstud]

Please read email below, Had loan with these had reduced hours in work so tried to set up a payment plan and there not backing down to loan and interest only and refuse to give me there bank details, i requested they remove my work number after 8 phone calls there on default day and a week later i have this?

 

Is the wording legal and who oversees these cowboys??

 

Dear *****

 

We have an active loan with you and I would like to settle it as soon as possible. Therefore we are willing to offer you a discount and collect £155.92 instead of your current debt which is £207.89.

 

The amount would be collected at one go, so please contact us to clear your debt as soon as possible.

 

If you do not contact us it will be viewed as a deliberate breach of your Credit Agreement and we will hand your debt over to our Debt Collection Partner. This may eventually result in your unpaid loan being recorded on a nationwide credit scoring database, where it would remain for up to six years.

 

Carrying a Default Notice on your credit file after 90th day of our credit cycle may result in your being refused credit in the future, which could preclude the possibility of obtaining personal loans, mortgages, mobile phone contracts and all other types of credit agreement until at least 2017.

 

Please contact us immediately to repay your loan as you are running out of time!

 

If you will not contact us we will contact your employer. -- Kind regards, Kristi Volas Peachy Collections Department

[dx100uk]

wow oft trading standards fos MP

the lot straight away

 

that is VERY VERY naughty!!!

 

and against ALL regulations

 

dont pay them a penny

get compensation for that threat!!!!

 

 

dx

[asmilecostsnothing]

Nope... their NOT allowed to contact employer, unless it's been to court and they have obtained a CCJ and only when that goes unpaid does it lead to an attachment of earningsWOW to the discount ! think they have hung themselves for writing this so I'd class yourself as lucky there is enough on here who get 'slaughted' for doing the right thing at full cost and more...

[Welshstud]

So where do I go from here, anyone willing to assist with putting this into a written complaint for the oft etc etc, I know what I need so say but ideally would like to refer there points to the regulations they have broke

[ErikaPNP]

Hi Welshstud. This is disgusting behaviour. One of our Site Team Members, Conniff has advised the following:

The threat to contact your employer is unadulterated harrasment and you must take action to stop it. You should write to these parasites using recorded delivery letter and 'give them a direct order' not to contact your employer.

You must then send copies of this letter to the oft, with a complaint against them of harrasment.

 

Enquiries and Reporting Centre

Office of Fair Trading

Fleetbank House

2-6 Salisbury Square

London

EC4Y 8JX.

 

The OFT will not take direct action on your behalf, but all complaints are logged and when they get more it then moves up the priority list and they will take action including consideration of taking away their license.

[rebel11]

Further info here:- http://www.oft.gov.uk/about-the-oft/legal-powers/legal/cca/debt-collection

[Conniff]

As your employer cannot pay him directly without your permission, the only reason to call an employer would be to frighten you into paying because you wouldn't want you employer to know or it would be embarassing.

 

The code they must abide by specifically states a dca must not - 'Contact the debtor’s employers with the intention of causing embarrassment'.

 

Don't let that letter fester in a draw, send a copy to the authority.

[Welshstud]

Thanks Guys seems they got eyes on her had a phonecall from Manager by 12pm today, Apologising and telling me that all action on account would be held until they heard from authorities as I was adamant that i would not back down and wanted account placed IN DISPUTE they have assured me a full internal investigation is in being undertaken

 

Im Going to Draft the letter tonight and if anyone of the site team is willing to check it before i post then please contact me, Luckily I got a strong mind if they do this to the old and vulnerable then they deserve all they get nothing but bullies

[sequenci]

You need to raise this with Trading Standards and the FOS also.

[Welshstud]

Sent off complaints as advised and heard no more until today.

 

08.09am

Dear Mr. *****,

 

Your account is seriously overdue!

Your debt with us is growing because we have failed to collect your loan repayment.

We have added £ 25.00 to your loan sum and your balance now stands at £ 412.71 due to failed attempts to collect your loan repayment.

For each day which elapses between the repayment date and the date of your actual repayment you will be charged additional fees and interest at the rate of 1% per day according to your Credit Agreement.

If you do not have sufficient funds available to repay the full amount of the loan, you can extend your loan. For further information on how to extend your loan, visit our Get Help section at www.peachy.co.uk.

Missing payments could have severe consequences and make obtaining credit more difficult.

If you brake the terms of the Credit Agreement we might also notify debt collection agencies and credit reference agencies about your case. Furthermore we can no longer trust you and your credit score might drop to zero.

If we have not received the loan repayment we will try to reach you from the contact details provided which might include contacting your employer.

Please contact us immediately to repay your loan or to notify about any changes in your financial circumstances. Our collections team is available by email collections@peachy.co.uk.

 

Kind regards,

Peachy Collections Team

www.peachy.co.uk

 

 

Followed by

08.09am

 

 

Dear Mr. *****,

 

Your account is seriously overdue!

Your debt with us is growing because we have failed to collect your loan repayment.

 

We have added £ 25.00 to your loan sum and your balance now stands at £ 437.71 due to failed attempts to collect your loan repayment.

For each day which elapses between the repayment date and the date of your actual repayment you will be charged additional fees and interest at the rate of 1% per day according to your Credit Agreement.

If you do not have sufficient funds available to repay the full amount of the loan, you can extend your loan. For further information on how to extend your loan, visit our Get Help section at www.peachy.co.uk.

Missing payments could have severe consequences and make obtaining credit more difficult.

If you brake the terms of the Credit Agreement we might also notify debt collection agencies and credit reference agencies about your case. Furthermore we can no longer trust you and your credit score might drop to zero.

If we have not received the loan repayment we will try to reach you from the contact details provided which might include contacting your employer.

Please contact us immediately to repay your loan or to notify about any changes in your financial circumstances. Our collections team is available by email collections@peachy.co.uk.

 

Kind regards,

Peachy Collections Team

www.peachy.co.uk

 

 

Followed by

08.09am

 

Dear Mr. *****,

 

This is the final warning from us!

We have tried to get in touch with you several times but your loan with us has still remained unpaid.

We have added £ 25.00 to your loan sum and your balance now stands at £ 462.71 due to failed attempts to collect your loan repayment.

If you fail to repay the whole amount it will be considered as a deliberate act to avoid the repayment and we need to involve a Debt Collection Agency who would deal with your case. Please note that they may pass the information to the credit reference agencies which might have serious consequences for your ability to get credit in the future.

If you do not have sufficient funds available to repay the full amount of the loan, you can extend your loan. For further information on how to extend your loan, visit our Get Help section at www.peachy.co.uk.

Please contact us immediately to repay your loan as you are running out of time!

Our collections team is available by email collections@peachy.co.uk.

 

Kind regards,

Peachy Collections Team

www.peachy.co.uk

 

 

Followed by

08.09am

 

Dear Mr. *****,

 

You are now in default!

Dispite several warnings and attempts to contact you regarding the outstanding balance of your Credit Agreement No your loan has remained unpaid.

 

It will be considered as a deliberate act to avoid the repayment of your loan and as a breach of the terms of the Credit Agreement. We will now take steps further and your debt in the amount of £ 462.71 will be handed over to our Debt Collection partner.

Please note that you may have to pay extra charges to the Debt Collection Agency in addition to the amount you owe us. If you do not co-operate with Debt Collection Agency a Country Court Judgement may be entered against you.

If you need any further information please contact our collections team by email collections@peachy.co.uk.

Kind regards,

Peachy Collections Team

www.peachy.co.uk

 

 

Please help and advise again, how an earth do they expect me to pay this it was a £100 loan.

[dx100uk]

quite simply you dont

there is no remit for any company to add penalty charges

nor can any penalty fees bre added by any dca either.

 

how much of this £100 have you already paid.

 

did you send that complaint of too?

 

dx

[Welshstud]

yes complaint was sent to

 

Enquiries and Reporting Centre

Office of Fair Trading

 

peachy themselves

 

and local trading standards.

 

No money has been paid as i have had no written respose to complaint and no contact until today

[silsal]

I have had the same emails,

 

emailed back and told them i found the letter threatening and I would be reporting them to the OFT, got a reply back saying they were not going to contact my employer, then 2 hrs later got the same email

[sequenci]

Take this to the FOS also, please.

[MARTIN3030]

Cash On Go Limited CC licence-07306662

 

Consumer credit

 

Right To Canvass Off Trade Premises:No

 

 

Trading Name(s) (Current):

 

Cashongo Peachy.Co.Uk

 

Current Address(es):

 

Correspondence12, York Gate, London, London, NW1 4QS, Uk Principal Place Of Business12, York Gate, London, London, NW1 4QS, Uk Registered Office12, York Gate, London, NW1 4QS

[jaylee768]

Have they contacted you though? Or have you heard of any suspicious calls? eg people asking for you? I've got a debt with these, i've paid off £75 of the £350+ i owe them (from a £100 loan) paying £15 a week, i contacted them today saying i was unable to make a payment tomorrow but i can make a payment of £105 in 7 weeks time which puts me back on rack with the payment plan, but they've refused.

 

So now i'm going to get these calls to my employer? I've had calls before and it's embarressing.

[dx100uk]

if they have donre that complaint to the oft via consumerdirect site

 

they are NOT allowed to do that

 

dx

[ivansmagic.]

for anyone reading this, if you have to use these people or likewise, DONT, give them the correct work number....make a typo !!!! hmmmmm.......

[MARTIN3030]

There should be no reason to give them any work numbers.

[ivansmagic.]

agreed, but its usually a mandatory section on an online application...so......dare I say, bump it !!!