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Hi there, have been a reader of the forum but only just joined! So hope someone can help me. For reference UB = Uncle Buck / DRC = Debt Recovery Comp
I too out an Uncle Buck payday loan of £525 and missed the repayment of it, at the time I had 6 payday loans I was juggling, was in a very bad place financially and have managed to pay some back but not all. The interest repayment I last receive from UB was £708.49 on the £525 loan and then the most recent statement they said closing balance is £1008.27.
Today I received a money claim online in relation to above Payday Loan for £1008.27 _ £70 court fee.
It's to do with Uncle Buck, but they are not the claimant, the claimant is a debt recovery company. The particulars of claim state: ""DRC claim this amount in respect of an unpaid loan funded by UB. The defendant failed to abide by the terms of the contract. "DRC" purchased this debt from UB and subsequently sent a notice of assignment to the defendant to advise. The defendant has failed to respond to any correspondence or communication from the claimant thus denying the claimant any opportunity in assisting the defendant in attempting to bring the matter to an amicable conclusion."
I don't know where to start or how to fight this. I was trying to set up a repayment plan with UB but they wouldn't give me one. Since the DRC contacted me I've been asking for more information on my account, statements of my account etc but they haven't provided me with anything, they state above that I haven't responded with them but I have.
I told them that I would only speak via written communication yet they failed to also do this by constantly ringing my work phone. I made a specific complaint to the DRC and then was asked to send this to UB, which I did (in response to interest added to my account and was looking for some sympathy on how many loans I had out yet they still gave me one. The DRC said my account is on hold until I hear back from UB. Again no reply from UB, then I hear back from DRC stating that they haven't had any contact from me. The last time I heard from them was an email 11 days ago again stating they hadn't had any contact from me and then the MCO arrived
How am I best to respond?
Thanks
I too out an Uncle Buck payday loan of £525 and missed the repayment of it, at the time I had 6 payday loans I was juggling, was in a very bad place financially and have managed to pay some back but not all. The interest repayment I last receive from UB was £708.49 on the £525 loan and then the most recent statement they said closing balance is £1008.27.
Today I received a money claim online in relation to above Payday Loan for £1008.27 _ £70 court fee.
It's to do with Uncle Buck, but they are not the claimant, the claimant is a debt recovery company. The particulars of claim state: ""DRC claim this amount in respect of an unpaid loan funded by UB. The defendant failed to abide by the terms of the contract. "DRC" purchased this debt from UB and subsequently sent a notice of assignment to the defendant to advise. The defendant has failed to respond to any correspondence or communication from the claimant thus denying the claimant any opportunity in assisting the defendant in attempting to bring the matter to an amicable conclusion."
I don't know where to start or how to fight this. I was trying to set up a repayment plan with UB but they wouldn't give me one. Since the DRC contacted me I've been asking for more information on my account, statements of my account etc but they haven't provided me with anything, they state above that I haven't responded with them but I have.
I told them that I would only speak via written communication yet they failed to also do this by constantly ringing my work phone. I made a specific complaint to the DRC and then was asked to send this to UB, which I did (in response to interest added to my account and was looking for some sympathy on how many loans I had out yet they still gave me one. The DRC said my account is on hold until I hear back from UB. Again no reply from UB, then I hear back from DRC stating that they haven't had any contact from me. The last time I heard from them was an email 11 days ago again stating they hadn't had any contact from me and then the MCO arrived
How am I best to respond?
Thanks
