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Payday Express unfair default


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Hello, i'm wondering if you can help.

At the start of the year i took out a paypday loan with Express Payday.

 

 

Orignial Loan - £300

 

Amount owed inc interest - £400

 

Deferred several times without notice which resulted in £100 x3 months.

 

By August £729.99 was owed.

 

This is £429.99 in interest.

 

On 23rd August £243.33 was paid.

 

On 23rd September £120.00 was paid.

 

This is a total of £360.33 paid in total.

 

 

I have never had any correspondence from them just hassling phone calls at work at which i decided to set up a payment plan.

I never received a default notice from them and today i check my credit report and on the 25/09/2011 they have set x2 defaults for the account. I can't understand this as i only had 1 loan with them and i agreed to pay it and the extreme interest.

 

 

EXPRESS FINANCE LT... Pay Day Loans Default £332 25/09/2011

EXPRESS FINANCE LT... Pay Day Loans Default £155 25/09/2011

 

Any advise would be great.

Thanks.

Edited by sillypaydaygirl
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