Wednesday, 1 September 2010
May I respectfully suggest, dear reader, if you are considering taking out a personal loan you give FLMLoans a wide berth. I've known loan sharks who are less threatening...
Date: Wed, 1 Sep 2010 16:46:44 +0100
Subject: Thought you might like to know...
Agreement - *********
Hi Michael George,
I’m confused. Your debit card isn’t working for August's payment as promised.
I've given your case to Kathryn on my Team. They'll call and text you until we've received the money. This is because we promised to keep you in the loop and we always keep our promises. They'll also write to you if they have to.
I'll email you too. This is because I want you to make the right choice and stick to your promise to pay your loan back on time. You can stop all of this before it starts by clicking here; updating your details and paying the £151.19.
Thanks in advance
Tom @ FLM
P.S. You can call our automated payment robot 24/7 to make a payment too on ***********
FLM is a trading name of Financial Processing UK Ltd.Register in the UK, number 4841153.
Registered Address: Walton House, 56 - 58 Richmond Hill, Bournemouth BH2 6EX.
Registered with the Information Commissioners Office Z8738456.
Consumer Credit License Number 557709
Sorry for the rather informal address but as you didn't bother to provide your surname I have little choice. In fact you didn't give your job title either so I have no idea who you are. It's fair to say I'm rather underwhelmed by your lack of professionalism.
I am the guarantor for my daughter Michaela Smith's personal loan with your company. Having spoken to my daughter about this she advises that the agreement she has with you is that her payment is taken from her bank account on the 29th of each month. For August you clearly thought it a good idea to try and deduct this on 27th - which is the day before my daughter's salary enters her bank account. Yes, this was a bank holiday weekend but a quick look at the calendar tells me Monday was 30 August.
You sent your email to me at 5.15pm today. This followed two text messages from your colleague Kathryn - again, no surname or job title but this appears the way your company does its business. When you sent your email this was several hours after the money due was deducted from my daughter's bank account.
I find the actions of you and your colleague threatening and bordering on harassment - particularly when you apparently didn't bother to contact my daughter whose account the payments are being deducted from. This is the first payment that has been late since my daughter began the loan repayments last year - and this is through no fault of hers - or mine - as you decided to try and deduct the amount due two days early which is clearly against the agreement my daughter signed.
You should now have received payment and therefore I expect tardy communication such as those I have received today to cease. Further, I would hope to receive a full apology but I don't expect you will even consider this.
What I am considering, however, is reporting you and your company to the Financial Ombudsman for your bullying tactics.
I await your response.