email address help please

[LangTounLad]

Loan was due yesterday 1st May. Emailed customersupport@ paydayexpress .co.uk on 30th April and then that address yesterday along with loan.agreements@ paydayexpress .co.uk, concerning the possibility of starting a repayment plan. No reply from either. Had phone calls but not answered as don't want to be intimidated by them on the phone.

 

Does anyone have any other email addresses of theirs that will get a quicker response?

 

Thanks in advance

[toptrapper]

dr@ paydayexpress.co.uk

Customer.Care @dfguk.com

Don't be intimidated by these numpties and good work staying off the phone. Payday Express (read some of the threads) are difficult to gain a response. Don't be afraid to lodge a formal complaint and raise their conduct with OFT and FOS should they not play ball.

[Bombaymix]

laura.kent@paydayexpress.co.uk

dean.offei@paydayexpress.co.uk

 

Try these two also.

[LangTounLad]

Hi here's an update

 

Eventually recieved email from ef-hardship @ expressfin.co.uk. said the usual about only reasons they can accept repayment plans, illness etc.

 

Have replied with my information. Nothing too detailed, income expenditure and what I owe other payday loans.

 

Hopefully get a reply soon

[LangTounLad]

Meant to add, still getting phone calls, even though I asked for all communication to be done via email in my original email

[toptrapper]

Log a formal complaint re the phone harassment. They've 8 weeks to respond before you can contact FOS. In the interim, let OFT know straight away what they're up to. Payday Express seem to feel rules don't apply to them.

[LangTounLad]

Do I just send an email reiterating that I asked for no telephone contact in my original email?

[toptrapper]

If you've already lodged a formal complaint, there's no need to write again. In my experience, I did keep reminding them of their responsibilities/timescales for responding and received calls regardless.

 

That said, there's no real harm in doing so reminding Payday Express that the clock is ticking and unless they play ball, they'll have to explain to FOS their actions as part of a formal investigation and their bill to pay!

[LangTounLad]

received this email from collections @ paydayexpress.co.uk

 

Dear

 

Account number: Balance £438.20

 

Thank you for your recent contact regarding your account with Express Finance.

 

We note that you are currently unable to repay the balance on your account as agreed.

 

So that we can identify how we can help you, please contact us on 0115 908 1163* to discuss the repayment of the outstanding balance.

In order to understand your current circumstances as well as trying to resolve this with you, telephone contact is necessary.

 

The above number will pass you through to a Financial Difficulties agent whom will try to help you. If you have already been in contact or have an arrangement agreed, then please ignore this communication.

 

If you do not contact us then interest and charges will continue to accrue as well as collection activity in line with our collections policy once your account falls overdue. Our opening times are: Monday to Friday: 9am –5.30pm. We look forward to hearing from you. Best regards Express, Collections Support

[LangTounLad]

Closely followed by this from customercare@ mail.paydayexpress.co.uk

 

The Creditor is Payday Express ("us" or "we") Agreement Number ("the agreement")] NotiServed under sectionWe draw your attention to the default sum which has fallen due under your above agreement. The details are set out below:As at 1st May 2013 you became liable to pay £15 in default charges which are payable on breaching the agreement.The default charges became payable on 1st May 2013The total amount of all the default sums included in this notice is £438.2. This notice does not take account of default sums we have already told you about in another default sum notice, whether or not those sums remain unpaid. Interest No interest is to be charged on this default sum. If you have any questions about your agreement please contact us on 0115 908 1162 between 08:00-19:00 Monday to Friday or 09:00-13:00 Saturday. Yours sincerely Payday Express

[toptrapper]

Don't phone them at all; you've stated clearly your reasonable intention to correspond solely in writing so you have a valid and timely method of evidence for your complaints to the regulator. If the numpties have a problem with this, tough.

 

You pay these people what you can afford, not what they think you can. They can shout and rant as much as they like; priority debts come first (link below).

 

http://www.stepchange.org/Infographics/prioritydebts.aspx

 

I'd be tempted to reply to their e-mail confirming you've already responded and remind them of the timescales of their complaint investigation.

 

(And a big hello to Payday Express if you're reading).

[LangTounLad]

Not had chance to lodge complaint at work just now. Should I still complain and answer their email?

[renegadeimp]

Closely followed by this from customercare@ mail.paydayexpress.co.uk

 

The Creditor is Payday Express ("us" or "we") Agreement Number ("the agreement")] NotiServed under sectionWe draw your attention to the default sum which has fallen due under your above agreement. The details are set out below:As at 1st May 2013 you became liable to pay £15 in default charges which are payable on breaching the agreement.The default charges became payable on 1st May 2013The total amount of all the default sums included in this notice is £438.2. This notice does not take account of default sums we have already told you about in another default sum notice, whether or not those sums remain unpaid. Interest No interest is to be charged on this default sum. If you have any questions about your agreement please contact us on 0115 908 1162 between 08:00-19:00 Monday to Friday or 09:00-13:00 Saturday. Yours sincerely Payday Express

 

Email them and state that you will NOT and will NEVER call them by telephone. State outright that it is your LEGAL right to have everything in written format for your own records. Also tell them that by ignoring your written instruction to correspond in writing and for them to try to pressure you into calling them, they are in breach of OFT guidance on debt collection and they WILL be reported to the OFT with a comment on their fitness to hold a credit licence. If they call you after they receive the instruction not to call you, full complaints will be made to the regulators and to OFCOM.

 

Don't mention any payment arrangements in the email. You already sent one about that. Just reply direct to the quoted part above.

 

Once thing to add, is that if this is the first default fee, then unfortunately it is justified. However, they cannot levy any more default fee's or late payment fee's on the debt, no matter what excuse they try and use.

 

Since they think regulation and guidance do not apply to them, i think it's time we played hardball with them.

[LangTounLad]

Ok will do thanks for that.

 

Although I will say in email that I have already sent them my proposed payment arrangements?

 

Surely these financial difficulties agents have there own email addresses to keep in contact with you without having to speak to them on the phone.

[renegadeimp]

Nope. Thats how PDL's operate. They are the lowest of the low.

[LangTounLad]

Email sent, I await their response

[LangTounLad]

Just had missed call from 01159081162, googled it and its payday express

[LangTounLad]

No message left though

[renegadeimp]

Silly idiots. Wonder if they realise that they could lose their licence for that.

[LangTounLad]

There's another number they usually phone from. Wonder if they'll try from that number too?

[Annie71]

I saw somewhere they have a london phone number as well. Can you block calls on your phone?

[toptrapper]

Keep a note of the number and the time of call. All evidence to be used against them

[LangTounLad]

Nothing getting deleted from my call log until this is sorted

[LangTounLad]

Well that's another missed call from Payday Express!

[LangTounLad]

And now a text!