GR Finance, help needed with arrears and collection techniques

[colinsunderland]

Hi all

 

Just wanted a bit of help for my daughter if possible.

 

She's a single parent on benefits, and unbeknown to me, she took a couple of doorstep loans out with a company called GR Finance Ltd.

 

Now, she's having trouble paying them. This isn't enitirely her fault, although she should accept much of the blame.

 

She missed a payment before Christmas, but paid it a few days later by debit card.

Then the company tried to take the following weeks payment + the missed payment by direct debit (I believe)

which bounced due to the extra amount being taken that she wasn't aware of.

She then got a bank charge, which left her short and so on.

 

they were charging her card under a CPA and there were bits of money coming out of her account all over the place

she asked for a statement of exactly what had been paid etc, and said she wouldn't pay any more until she got it.

 

She got a spreadsheet on excel which she couldn't make head nor tail of, and nor could I,

She asked them for something straighforward, showing payment dates, and balances,

but they said that was all they would give her. Since then she hasn't paid anything.

 

They are constantly ringing and texting her, and have spoken to her mother, who doesn't even live with her,

regarding her debt and missed payments, which they had no authority to do.

 

She can't afford the £20 a week, and should never have taken the loans out, which is her fault,

but if they had done proper affordability checks, they shouldn't have granted her any loans either, certainly not the second one,

 

She has tried to offer them a lower payment and asked they freeze the interest, but they point blank refuse to accept anything lower, and would not give her an address to write to (which I see has happened before from another thread on here).

 

Today she got the letter attached,

seems completely unprofessional to me,

no company number, no CCL number,

and when I've searched the company name is actually G R Finance not GR Finance as shown on the letter.

 

The letter also makes it sound as though she will be facing a criminal court, stating 'if you are found guilty' surely that can't be legal?

 

got any advice on what to do,

not just on how to go about making an offer of lower payment (now she has an address)

but how to respond to the letter and if she has grounds for complaint to anyone about it?

 

Only things I've done to the letter is remove personal information.

 

Many thanks

[dx100uk]

wont be criminal it would be civil

 

 

cant find them at all on FCA register?

 

 

dx

[dx100uk]

http://companycheck.co.uk/company/05901285/G-R-FINANCE-LIMITED/company-summary

[colinsunderland]

wont be criminal it would be civil

 

 

cant find them at all on FCA register?

 

 

dx

 

I did, eventually, you have to put a space between the G and R.

 

What do you think of the letter?

 

 

Stuff like if you are found guilty, this is your last chance, further delay will not be tolerated, that type of thing.

Do they not have to put the company number on the letter?

 

I know it would be civil, what I meant was, by putting

'if you are found guilty' it makes it sound as though it would be a criminal case,

for someone who doesn't know better that could be to scare them,

 

you wouldn't get a guilty or not guilty verdict in a moneyclaim case would you,

so to me, thats been put in intentionally into scaring someone into paying up.

[dx100uk]

has anything else happened

 

 

I'd be sending them an sar I think

 

 

somethings not right

 

 

dx

[colinsunderland]

How strange, I could have sworn I posted on here at the weekend.

 

 

No nothing really, just constant texts and phone calls.

 

 

I believe the collectors been to the door too.

 

 

Any advice on was of stopping the constant calls & visits?

 

 

Is there a template to do a SAR?

 

Thanks for the replies

[dx100uk]

you did post

I tidied them up.

 

 

click the SAR link here your post or my past posts

 

 

pers I'd get it moving.

 

 

dx