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    • Thank-you dx, What you have written is certainly helpful to my understanding. The only thing I would say, what I found to be most worrying and led me to start this discussion is, I believe the judge did not merely admonish the defendant in the case in question, but used that point to dismiss the case in the claimants favour. To me, and I don't have your experience or knowledge, that is somewhat troubling. Again, the caveat being that we don't know exactly what went on but I think we can infer the reason for the judgement. Thank-you for your feedback. EDIT: I guess that the case I refer to is only one case and it may never happen again and the strategy not to appeal is still the best strategy even in this event, but I really did find the outcome of that case, not only extremely annoying but also worrying. Let's hope other judges are not quite so narrow minded and don't get fixated on one particular issue as FTMDave alluded to.
    • Indians, traditionally known as avid savers, are now stashing away less money and borrowing more.View the full article
    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Is it possible that a PPC (claimant) could refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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1 month loan / Mayday Payday


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I had a PDL with 1 month loan which I defaulted on back in November last year. I have gotten myself into a bit of a mess with PDL and know I have nobody but myself to blame.

 

I applied for a loan with Mayday Payday yesterday, and after thinking about it decided to cancel the application. I emailed them and asked them to withdraw my application - no response

 

Today I had an email from Mayday saying my application had been refused - and again I emailed requesting they cancel my application. I checked my bank account this afternoon to find £10 and £100 had been debited. I knew it was this company as I had only had a new debit card on SAturday and they were the only company I gave my details to. It turns out that 1 month loan and Mayday Payday are the same company!!!

 

Watch out guys, if you owe money to either of them and apply to the other they won't think twice about raiding your bank account!!!

 

Can I challenge the payment?:(

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this also happened to me, i couldn't believe it. this is scandulous... they are offering a ''service'' then sneakily emptying your account once the details of your accounts are handed over!!! they took £560 from my account for what was a £150 loan,,, i was in a payment plan with them paying on time (£40.00 monthly) i challenged this with them but they said they are not prepared to issue any form of refund... i dont know where to turn now and have no money for christmas, or for my children... thanks 1monthloan! :mad::mad::mad:

Edited by bboy
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I Highlighed that this may happen on sunday morning but the site team on this site removed my thread without warning !

All Fortress Group UK websites say this in there terms:

 

18. If you owe Fortress Group (UK) Ltd money through any of its brands or subsidiaries you authorise us to use the debit card details supplied in this application to recover those monies as your relationship is with Fortress Group (UK) Ltd and not just an individual brand. We do not have to notify you that we have, or intend to, do this.

 

They also trade under these names:

1 Month Loan Fortress Securities Mayday Payday Oasis Finance Oasis Payday Payday Mayday

 

Beware

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Well I've just checked through all my correspondence with 1 Month Loan regarding my account, and nowhere on their contact with me does it state they're part of Fortress.

 

Even my bank agreed what they've done is sly but I can't do anything about it as in the terms & conditions I agreed to when applying to mayday it states if I owe money to Fortress they can use my card details to claim it back - Even though I had NO clue the 2 companies were related!!

 

My advice - Avoid at all costs!!!

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After phoning to complain i received this email from them.....Shame they can't even get the number of the clause correct, as in the T&C it's clause 18!!

Beware!!

Dear Mayday Payday Customer

I am writing to advise you that today we collected funds from your debit card. As you may recall you recently had a loan with one of our brands 1 Month Loan which you failed to repay on the agreed date. In accordance with clause 17 of the terms and conditions you agreed to when you recently applied for your Mayday Payday loan if any money was owed to any other brand we could use the debit card supplied in this application to recover it.

17. If you owe Fortress Group (UK) Ltd money through any of its brands or subsidiaries you authorise us to use the debit card details supplied in this application to recover those monies as your relationship is with Fortress Group (UK) Ltd and not just an individual brand. We do not have to notify you that we have, or intend to, do this.

SO WHAT HAPPENS NEXT?

Even after collecting this amount you still have an outstanding balance with Fortress Group (UK) Ltd. You should contact the 1 Month Loan team immediately on 01284 717820 where one of our consultants will be able to arrange a suitable repayment plan to recover the outstanding balance. Failure to do so may lead to legal action being commenced. Additionally should you decide to pursue this matter further by challenging the payment with your bank we will again begin legal action against you. At this stage all the costs associate with this legal action will be added to your account.

Please note that Fortress Group (UK) Ltd has acted 100% within its terms and conditions and completely within the law. While you may feel upset that we have taken this money from you, it is a debt that you owe us.

Regards

Fortress Group ( UK ) Ltd

Phone: 01284 717810

Fax: 01284 717833

Websites: www.fortressuk.co.uk

Any views or opinions expressed in this message are those of the author and do not necessarily represent those of Fortress Group (UK) Ltd. No reliance may be placed on this message without written confirmation from an authorised representative of the company. Fortress Group (UK) Ltd. is registered in England & Wales with Company Number 05041905. Registered Office: Fortress House, Skyliner Way , Bury St. Edmunds , IP32 7YA .

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  • 2 months later...

Contact 1month loans compliance officer, simon hatch, he posted on another thread, not surprised to see that he has stayed away from this one.

 

I charged all mine back and was threatened with police action but i then offered £20 per month and that sorted it as i told then i was going in to a DMP

Edited by ashley_johno
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  • 1 year later...

These monkeys sent me a recorded delivery letter stating they were in the rights to phone me at work and to contact my parents (one of whom is ill) and claimed it wasn't harassment. They keep trying to take money from my debit card (I've changed banks) and seem to think they are justified plus I've sent them a token payment and will set up a repayment scheme through payplan. They are just bullies and have no right to harass people, especially if they are trying to sort themselves out. PDLs ought to be banned anyhow!:mad2:

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  • 1 year later...

Although this thread is old the situation hasn't changed with 1 month loan my friend recently took a loan with them and the funds were taken out of his account when he wasn't expecting it, taking him over his overdraft to incur further costs. He's now writing to the OFT to make a formal complaint.

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Did he tell the bank it was an unauthorised transaction and to do an immediate chargeback?

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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