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In 2012 I took out a payday loan for £100 with Txtloan. I did have a short job (permitted work) as well as my benefits however the job did not work out . I did not repay to anything and to be honest was in total denial . I then got lots of emails from Lucas Credit services which I ignored, I think I may have written telling them not to call me but I can't remember. In Feb 2015 I got an email saying that my account had been sold.
This is the email
I did not receive any other communication, no letters, no emails nothing.
Today I received a txt saying I had an email
This was the email
I have been reading around and can not work out what to do
1)Was the first email a notice of assignment? If it was from what I have seen it is not right
2) Can it be right or fair to wait nearly 3 1/2 years to issue a default notice
3) 1st letter said the amount was £272.50 now it is £218
4) I have been reading around about people claiming money back from pay day loans , my credit file was full of defaults at that time so they should never have lent me any money
I don't know what to do, it seems like they are going to take me to court
I have not acknowledged anything in nearly 3 1/2 years
Any help please
In 2012 I took out a payday loan for £100 with Txtloan. I did have a short job (permitted work) as well as my benefits however the job did not work out . I did not repay to anything and to be honest was in total denial . I then got lots of emails from Lucas Credit services which I ignored, I think I may have written telling them not to call me but I can't remember. In Feb 2015 I got an email saying that my account had been sold.
This is the email
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I did not receive any other communication, no letters, no emails nothing.
Today I received a txt saying I had an email
This was the email
We havecontacted you several times regarding your unpaid loan but have not receivedpayment from you – the balance now stands at £218.00.
We arenow giving you 14 days’ notice of our intention to register a default againstyou. The default notice together with an information leaflet issued by theFinancial Conduct Authority is attached to this message.
Registeringa default is the step that we must take before we are able to take legal actionagainst you. You can avoid this by repaying the money you owe or by contactingus and making a repayment arrangement. You must act without delay to preventthe default being registered.
Yourssincerely
MYJAR
Collections and Recoveries
IMPORTANT - YOU SHOULD READ THISCAREFULLYDated:09/11/2015
This isa Default Notice served under section 87(1) of the Consumer Credit Act1974 in respect of the Running Account Credit Agreement reference number 949934made between:
Underclause 1.14 of the Running Account Credit Agreement you were required to repaythe total sum of £117.00 (loan reference: xxxxxx) no later than 26/06/2012.
As youhave failed to make the repayment amount due on 26/06/2012 you are now inbreach of the terms of the Running Account Credit Agreement.
As youhave failed to make this payment you have incurred late payment charges and thetotal amount of arrears is now £218.00.
ActionRequired
You mustnow pay the total of the arrears £218.00 to the Company before 23/11/2015.
IF YOUPAY THE TOTAL AMOUNT OF THE ARREARS BEFORE 23/11/2015 NO FURTHER ENFORCEMENTACTION WILL BE TAKEN IN RESPECT OF THE BREACH.
IF YOUDO NOT TAKE THE ACTION REQUIRED BY THIS NOTICE BEFORE 23/11/2015, THEN THEFURTHER ACTION SET OUT BELOW MAY BE TAKEN AGAINST YOU.
FurtherAction
TheCompany will serve notice in writing demanding payment of the outstandingbalance. If nothing is received, the Company will bring proceedings against youfor the outstanding balance.
In yourown interests you are strongly urged to contact the Company by telephone on 0203006 2000 quoting the above customer number if you cannot pay the arrears infull.
IF YOUHAVE DIFFICULTY IN PAYING ANY SUM OWING UNDER THE AGREEMENT OR TAKING ANY OTHERACTION REQUIRED BY THIS NOTICE, YOU CAN APPLY TO THE COURT WHICH MAY MAKE ANORDER ALLOWING YOU MORE TIME.
Youshould be aware that if we take you to court and get a judgment against yourequiring you to pay us the money you owe us under the agreement, you may haveto pay us both the amount of the judgment and interest under the agreement onall the sums owed by you at the date of the judgment until you have paid thesein full. This means that even if you pay off the whole amount of the judgment,you may still have a further sum to pay.
IF YOUARE NOT SURE WHAT TO DO, YOU SHOULD GET HELP AS SOON AS POSSIBLE. FOR EXAMPLE,YOU SHOULD CONTACT A SOLICITOR, YOUR LOCAL TRADING STANDARDS DEPARTMENT OR YOURNEAREST CITIZENS' ADVICE BUREAU.
This noticeshould include a copy of the current Financial Conduct Authority informationsheet on default. This contains important information about your rights andwhere to go for support and advice. If it is not included, you should contactus to get one.
Yours sincerely
MYJAR
Collections and Recoveries
We arenow giving you 14 days’ notice of our intention to register a default againstyou. The default notice together with an information leaflet issued by theFinancial Conduct Authority is attached to this message.
Registeringa default is the step that we must take before we are able to take legal actionagainst you. You can avoid this by repaying the money you owe or by contactingus and making a repayment arrangement. You must act without delay to preventthe default being registered.
Yourssincerely
MYJAR
Collections and Recoveries
IMPORTANT - YOU SHOULD READ THISCAREFULLY
This isa Default Notice served under section 87(1) of the Consumer Credit Act1974 in respect of the Running Account Credit Agreement reference number 949934made between:
- (1) MYJAR Limited, PO BOX 609, Salford, M5 0HD ('the Company')
- (2) Lee
Underclause 1.14 of the Running Account Credit Agreement you were required to repaythe total sum of £117.00 (loan reference: xxxxxx) no later than 26/06/2012.
As youhave failed to make the repayment amount due on 26/06/2012 you are now inbreach of the terms of the Running Account Credit Agreement.
As youhave failed to make this payment you have incurred late payment charges and thetotal amount of arrears is now £218.00.
ActionRequired
You mustnow pay the total of the arrears £218.00 to the Company before 23/11/2015.
IF YOUPAY THE TOTAL AMOUNT OF THE ARREARS BEFORE 23/11/2015 NO FURTHER ENFORCEMENTACTION WILL BE TAKEN IN RESPECT OF THE BREACH.
IF YOUDO NOT TAKE THE ACTION REQUIRED BY THIS NOTICE BEFORE 23/11/2015, THEN THEFURTHER ACTION SET OUT BELOW MAY BE TAKEN AGAINST YOU.
FurtherAction
TheCompany will serve notice in writing demanding payment of the outstandingbalance. If nothing is received, the Company will bring proceedings against youfor the outstanding balance.
In yourown interests you are strongly urged to contact the Company by telephone on 0203006 2000 quoting the above customer number if you cannot pay the arrears infull.
IF YOUHAVE DIFFICULTY IN PAYING ANY SUM OWING UNDER THE AGREEMENT OR TAKING ANY OTHERACTION REQUIRED BY THIS NOTICE, YOU CAN APPLY TO THE COURT WHICH MAY MAKE ANORDER ALLOWING YOU MORE TIME.
Youshould be aware that if we take you to court and get a judgment against yourequiring you to pay us the money you owe us under the agreement, you may haveto pay us both the amount of the judgment and interest under the agreement onall the sums owed by you at the date of the judgment until you have paid thesein full. This means that even if you pay off the whole amount of the judgment,you may still have a further sum to pay.
IF YOUARE NOT SURE WHAT TO DO, YOU SHOULD GET HELP AS SOON AS POSSIBLE. FOR EXAMPLE,YOU SHOULD CONTACT A SOLICITOR, YOUR LOCAL TRADING STANDARDS DEPARTMENT OR YOURNEAREST CITIZENS' ADVICE BUREAU.
This noticeshould include a copy of the current Financial Conduct Authority informationsheet on default. This contains important information about your rights andwhere to go for support and advice. If it is not included, you should contactus to get one.
Yours sincerely
MYJAR
Collections and Recoveries
I have been reading around and can not work out what to do
1)Was the first email a notice of assignment? If it was from what I have seen it is not right
2) Can it be right or fair to wait nearly 3 1/2 years to issue a default notice
3) 1st letter said the amount was £272.50 now it is £218
4) I have been reading around about people claiming money back from pay day loans , my credit file was full of defaults at that time so they should never have lent me any money
I don't know what to do, it seems like they are going to take me to court
I have not acknowledged anything in nearly 3 1/2 years
Any help please
xxxxxxx
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