Wagedayadvance

[Bombaymix]

Hi all. My ongoing payday loan hell continues.

 

I've been posting about my dealings with another payday loan company but have not bothered about wagedayadvance until now.

 

Defaulted on a loan with WDA on the 12th December 2011. Sent them an email before advising them that payment would not be paid on that date. Also advised them that I'd be making arrangements with my DMP company to add them to the plan. They emailed me back advising me that they would wait to hear from my DMP.

 

My DMP have been in contact with them but have no confirmation from them whether they have agreed to my plan or not.

 

They have been sending me emails telling me to get in touch RE: Arrears on my account. I've emailed back every time but they have been choosing to ignore my emails. I know that they will have received the first payment through my DMP a few weeks ago - all of my other creditors have received their payments.

 

Anyway... Today I received the following email. If I was reading it on someone else's thread I'd say "they're just trying to scare you into paying and they won't go ahead with this for a debt of less than £200"

 

Wage Day Advance Ltd

Unit 7, Acorn Business Park, Skipton, BD23 2UE

Tel : 0872 238 2623 / Fax : 0844 443 2322

 

 

 

04 January 2012

 

 

 

RE: COUNTY COURT JUDGEMENT

 

 

 

Agree No : ******

 

Amount Outstanding : £***.**

 

 

 

Dear Bombay Mix

 

 

 

Wage Day Advance Ltd has sent you several letters providing you with the opportunity to contact us

 

and make a suitable arrangement for the repayment of your loan yet the debt still remains outstanding.

 

 

 

PLEASE CONTACT US IMMEDIATELY TO DISCUSS YOUR ACCOUNT

 

 

 

 

 

Unless full repayment is received or a reasonable arrangement of repayment is agreed within SEVEN

 

DAYS of the above date, we may issue legal proceedings through the County Court WITHOUT ANY

 

FURTHER NOTICE.

 

 

 

Legal proceedings will generate EXPENSES, COURT COSTS AND FURTHER INTEREST. If we

 

obtain judgement we will ask the court to issue an ATTACHMENT OF EARNINGS which will compel

 

your employer to deduct payments from your wages. Alternatively WE MAY INSTRUCT BAILIFFS

 

TO SEIZE GOODS TO THE VALUE OF THE DEBT both of which do incur additional charges to be

 

added to the debt.

 

 

 

 

 

CONTACT WAGEDAYADVANCE NOW TO AVOID FURTHER ACTION

 

 

 

Tel: 0872 238 2623 - Option 4

 

Email: collections@wagedayadvance.co.uk

 

 

 

Office hours: Monday – Friday: 8:00am - 8:00pm

 

Saturday: 9:00am - 3:30pm

 

 

 

If you have already been in contact with us regarding this debt, disregard this letter we apologise for

 

any inconvenience.

 

 

 

Please be aware that until you do contact us your file will be processed in the usual manner and you

 

may accrue additional interest at a daily rate as laid out in your signed agreement.

 

 

 

Yours sincerely

 

 

 

Wage Day Advance Ltd

 

Collections Department

 

 

 

Do I panic? Any advice? I really don't want to have to speak to any of these companies on the phone. I've avoided that well so far. I'm not avoiding this debt and have tried to make arrangements.

 

Any advice would be much appreciated.

[dx100uk]

just a threat-o-gram

may this may that

dx

[Bombaymix]

Thanks dx... It was that "important" that I found it lurking in my junk mail box.

[Bombaymix]

Ohhh they've also sent it to me in the post... With a copy of the OFT debt guidance leaflet. Think I nay flood their inbox with a hundred emails... Still saying I haven't made contact.

[sillygirl1]

Get that to the OFT, they CANNOT get an attachment of earnings immediately, you have to default on the CCJ FIRST, same goes for sending in bailiffs to enforce the CCJ.

 

If you do not complain to the OFT (remember that the OFT are investigating payday loan companies now) then you are wasting your time posting on this site.

 

http://www.consumerdirect.gov.uk for the Office of Fair Trading

http://www.tradingstandards.gov.uk for Trading Standards

 

You are trying to sort out your problems and they are only trying to make things worse.

[spots1]

Have you checked with your DMP if the payment has been made ?...also you should send the letter to your DMP these are the people you have instructed to act on your behalf & as sillygirl1 points out COMPLAIN !!!

 

spots1

[Bombaymix]

Have phoned my DMP three times. They tell me they haven't confirmed yet but my first payment towards it was 15th December. I'm not even sure if they've deducted their payment from the balance ad WDA still adding charges!

 

Yeah. I'm gonna complain for sure. Now I've got a paper copy of the email. Can't believe they'd send something like that. The debts not even a month old.

 

Why did I ever touch these company's?? Lol.

 

Am gonna send another email to everyone at WDA who have emailed me so far thanking them for their assistance and advising them that they've just give me the ammunition to start an official complaint.

 

Cheers

[Bombaymix]

Quick update. Emails sent to all four different people at WDA today and also again to their collections email address. Complaint letter typed out to them giving them 7 days before I contact the OFT and FOS with complaints.

[Bombaymix]

*yawns @ wagedayadvance...

 

They reckon they're waiting for a letter of authorisation from my debt management company. I spoke to my debt management company on numerous occasions and they advise me that they sent it out to them when they sent the others. (all of the other creditors have received them)

 

Debt management company advise me that they've sent this letter to them on numerous occasions and by different methods (post/fax) I've confirmed that all details are correct.

 

Are they being uncooperative because they want to pass this in to a DCA? Shall I try a different approach and see if WDA will accept the payments directly from me?

[Bombaymix]

Sorry, forgot to add that eventually I'm going to ditch my DMP and try going it alone. So this will be a good step in transferring my creditors away from the plan.

[Bombaymix]

Hmmmm

 

Had emails from both them and my DMP telling me that they've finally accepted my plan.

 

Happy days.

 

One more to go and then I can finally get on with working all the hours god sends to get these debts paid off as soon as possible!

[sillygirl1]

Anyone seen this - a law firm is not dealing with payday loans due to the level of complaints

 

http://www.credittoday.co.uk/article/13294/online-news/dca-withdraws-from-payday-loans-market

 

I think this is positive news!