Payday nightmare begins

[chezelle82]

Still keep any eye on your account tho, payday express tried about 7 times a day to take a payment from my account I had the bank fraud team ringing me in the end, I don't actually keep money in there but be careful I made out I lost my card but only on the new card the long number was different, can they still take cash even tho the sort an account number are the same??

[renegadeimp]

If PDE are doing that chez, you MUST report it to the OFT, FCA and FOS as a matter of urgency.

[chezelle82]

Yes I will do...couldn't believe it when they rung me 7 times in one day different amounts aswell

[toptrapper]

Payday Express "don't do complaint handling". They're approach has consistently been to ignore complaints in the hope they go away/ complainants are browbeaten into submission and paying the obnoxious bunch.

 

You must lodge a formal complaint asap (if you've not done already) demanding they respond and acknowledge your complaint. They're unlikely to acknowledge this as they're clearly incompetent. However, once you've lodged, they have 8 weeks to respond before you can approach FOS to investigate. FOS will charge Payday Express £550.00 to investigate, regardless of the outcome. Did your bankers provide you evidence of their attempts to raid your account?

 

in the interim, send complaints to the OFT, they can adjudicate whether they retain the competence to have a credit licence.

 

Don't be bullied by these parasites.

[chezelle82]

The bank rang me and left messages for me to ring them so when I rung back they said they had attempted loads of times different amounts, it's on there system pde have attempted it, I could ask for a copy as my proof for my records, they couldn't take anything tho as the account was empty an doesn't get used anymore

[renegadeimp]

I think its time you made a full complaint to the regulators and considered Small claims court.

[HULLCITYMASSIVE]

One final update! Basically the following:

Swift sterling responded to my initial email straight away, accepted my plan and gave me their bank details, perfect from my point.

Mr lender, responded to my initial email and after a little negotiating via email, a 6 month plan was agreed within 24 hours and they supplied me with their bank account details.

Paydayexpress, ignored my initial email and just sent me one text every day asking for payment, I responded every few days with a quick email. They did not respond until I sent a further email threatening an official complaint, then they came back in a few hours asking for income and expenditure. I returned this and then they went back to ignoring me again! I left it about a week then sent them the official complaint email again, and after a few hours they responded accepting my plan and supplying their bank details. Job done, but quite annoying the way they kept ignoring me, until I had to threaten the officials complaint!

Wonga, sent my initial email and they came back almost immediately offering to freeze interest and charges for 38 days until a repayment plan was agreed, they sent income and expenditure forms which I completed. However despite several emails, they never responded, until after three weeks they sent me an email asking me to ring them to discuss the situation! I was a bit reluctant but at the end of the day I wanted all this sorted and worst case scenario I could just put the phone down. I rang them and although the advisor didn't seem to know that I had returned the I and e forms, after a little searching she found them and agreed to my repayment proposal, all very polite and friendly. Although they didn't give me their bank details, i am going to register a bank card for an account that has nothing else in it, and just put the agreed amount in at the end of the month.

Finally minicredit, they completely ignored all communication, they sent me one text a day asking for payment, and every day added about 8 pounds worth of interest on, so along with their default charges my loan had gone from owing 330 to 470. Fortunately I had just above this amount available on a credit card! I know this wasn't the ideal thing to do, but I used the credit card to pay off minicredit. It's all well and good people on this site saying sod the parasites and refuse to pay any unfair charges, but it does not stop some of these companies just adding and adding and adding the interest, and it's quite worrying when you can see your debt rising everyday , and when I saw an easy way out I took it! The payments I was going to make to minicredit are just going to the credit card company instead. Add to this the fact that all the others are sorted, and this company were not even replying to me, it was the best for my situation.

So, all in all, considering the mess I was in, I think this was sorted out relatively easily, barring mini credit of course. As with most things, it wasn't as bad as I thought it was going to be, and with a little persistence, a little give and take, i can finally get these paid off in 6-12 months and get on with the rest of my life! My advice to anyone in trouble is to a). Not panic, it's not as bad as you think and b) go through this site and glean as much info as you can, I must have read every thread available and it was invaluable. c) don't give in, but don't be as stubborn as some people suggest, IN MY OPINION, it pays to try and negotiate a little, I know some people will disagree but I can only offer you my experience! Good luck, and finally thanks everyone for your input!

[renegadeimp]

Could you post the bank details up in each lenders relevant forum? It would help others a LOT.

[HULLCITYMASSIVE]

Yep no probs!