Jump to content


  • Tweets

  • Posts

    • 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.   
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

The Money Shop - Cash 'Til Payday Loan - So Worried


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5062 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi guys,

 

I'd really appreciate some help with this.

 

I can't sleep the last few days, due to panicking so much.

 

Last week, I went into The Money Shop, to cash some cheques (from my own cheque book).

 

The chap in The Money Shop, explained about 'cash until payday'..

 

I stupidly wrote out 5 x Cheques, from my A&L chequebook, each for £100 = a total of £500.

 

Looking at the print out, I was given, it shows that Money Shop have charged £15.99 for each cheque they processed.

 

Their printout, also shows the cash paid out, for each cheque = £84.01.

 

So, for the £500 loan, I took out from them, they gave me a total of £420 in cash.

 

This Money Shop loan, has to be paid back in 30 days (from last week) time.

 

They told me, that they will bank each cheque, on a seperate day, from 8th July and 14th July.

 

There is no way I'm going to be able to repay this, and I am so worried.

 

What makes it even more embarassing, and regrettable, is that I'm a recovering alcoholic (fell off the wagon last week, and have since climbed back on), and I spent almost all of the £420 on alcohol, in 4 / 5 days.

 

When I agreed to the loan, in the Money Shop, I was also dishonest with them, and told them I was still working at my old job (I left last November, and have since been on ESA).

 

Can't believe I did this. Looking back to last week, I certainly wasn't thinking straight.

 

What happens next with these people?

 

Obviously, I'm scared witless of The Money Shop finding out, that I lied about my working, when I'm not. This will no doubt, come out if they take me to Court, for a CCJ won't it?

 

Am so worried, that Money Shop / A&L bank will convict me for fraud. This is making me feel ill.

 

Also, there is no way on earth I can repay this £500, in the forseeable future, let alone in 3 weeks.

 

Reading the helpful advice on here, I have called my bank and cancelled my Visa Debit / Cheque Guarantee Card (the same card / cheque book, that Money Shop used to guarantee the 5 cheques) yesterday.

 

I'm torn, because I'm worried this will obviously annoy the Money Shop, and they will of course add charges.

 

However, if I let them cash the cheques, at the A&L (my bank), then the A&L will also charge me, as the funds won't be in there.

 

Even though I've now cancelled the card / cheque book, do you guys know, if the Money Shop are still able to cash the £500 worth of cheques, from last week.

 

I am determined to try and be positive, and sort this out.

 

I even considered going into the Money Shop, telling them the truth, about the fraudulent application / alcoholism, apologising, and asking to come to a repayment arrangement.

 

My Girlfriend has told me that this would be 'too honest', and it could make things worse. I just don't know.

 

Any ideas as to what to do next, regarding this Money Shop loan, would be most appreciated.

 

I'd really like to try and keep my A&L bank account, as it's the first 'proper bank account', I've had in years.

 

Am now worried, that I'm going to lose it, due to all the potential charges (unpaid cheques and unauthorised o/d charges)

 

Could The Money Shop still bank the old cheques in 3 weeks time, even though I've now cancelled the cheque book? I'm worried they will, as they were 'guaranteed' with the card (the CAB said the would be honoured / guaranteed).

 

Any advice from you guys, would be most appreciated.

 

Many Thanks,

 

SM.

Link to post
Share on other sites

If the cheques are guaranteed the bank will probably pay them. I must admit you have a lot going on and far above my limited knowledge. Hit the green triangle and try and get some advice from the site team. Good luck

Link to post
Share on other sites

Yes report is acknowledged.

Theres quite a few issues here-but there are Caggers that will be able to advise on each one of those in their respective experiences.

This demonstrates the hopelesness that these operations cause-and their targetting of those most vulnerable to use these services.

 

That said,you have asked some searching questions and I can understand that you WONT sleep until you have some ideas and concrete answers as where to go from here.

Can I ask that you just be a little patient-I can guarantee that the people on this site will collectively point you in the right direction and help you.

It wont make the debts disappear-but it will give you the info you need to sort things-and hopefully allow you to get that sleep.

 

I will try to contact some of the more experienced people who have had dealings with these to come and advise.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

Link to post
Share on other sites

Martin, thank you so much, for your kind and supportive reply.

 

Sorry if my posts are a little erratic, and overly - demanding. My addictive mindset coming through regrettably..

 

I am going to try not to panic, get some kip, and be patient. Then, tomorrow, take stock, and formulate some semblance of a plan :)

 

There are worse things that could happen, and I'm trying to focus on the positive, as I've now been sober 4 days, and this feels great!

 

Thanks for a cracking site, and I hope to give something back as soon as I'm able.

 

Good Night,

 

SM.

Link to post
Share on other sites

Thats better...

 

Yes I can see where you are coming from.

Believe me-we have had some extremely desperate people on here-no one is above anyone-most of us have been in need of help in different extremes.

The fact that you have found CAG and are looking to sort things-shows you are making some right moves-certainly thats something you did need to do.

You wont be judged for that....only positively.

 

Goodnight...and sleep well.:)

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

Link to post
Share on other sites

Oi!!! Wake up McQueen ;)

 

OK firstly its not as bad as it seems so try not to imagine the worst.

 

When organisations like the money shop lend to clients they know that they are high risk, same as pay day loans so this isnt going to be a shock to them. However you need to try and damage limitate as much as possible.

 

I have dealt with the money shop in the past for my mothers debts and even though they were very arsey in the beginning about sorting a payment plan out they succumed to my charms and arranged one. The kept adding charges etc so i told them to naff off. They past the debt around for a bit and then simply disappeared. She owed them £750.00 and had never even made one payment.

 

The cheques will be represented to your bank and if the money isnt there they will bounce incurring fees. If i was you, and i know how scary this can be, i would call your bank first and ask tell them the situation about these cheques being represented in however many days time and ask them if they will go though or is there anyway of cancelling them. I actually thought that you could cancel cheques? After that, once you know whats going to happen with these cheques you have two choices. Call the money shop head office and tell them that you cant afford to honour these cheques. Dont get into the whys and wherefores just say that because of circumstances out of your control. Ask them if they can freeze interest and charges and then you will honour the debt. I know this is easier for me to say on the basis that you have to do it but i have dealt with companies like these on numerous occasions and i know what im talking about :)

 

So breathe, get a cup of coffee and call your bank.

 

Let us know how you get on and what they all say

 

D x

Edited by dawny36
Link to post
Share on other sites

SM check your PM box-I found something interesting.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

Link to post
Share on other sites

I thought I had read that he lost his cheque book ?-must have been on another thread;)

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

Link to post
Share on other sites

Ahem....indeed.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

Link to post
Share on other sites

Oi!!! Wake up McQueen ;)

 

OK firstly its not as bad as it seems so try not to imagine the worst.

 

When organisations like the money shop lend to clients they know that they are high risk, same as pay day loans so this isnt going to be a shock to them. However you need to try and damage limitate as much as possible.

 

I have dealt with the money shop in the past for my mothers debts and even though they were very arsey in the beginning about sorting a payment plan out they succumed to my charms and arranged one. The kept adding charges etc so i told them to naff off. They past the debt around for a bit and then simply disappeared. She owed them £750.00 and had never even made one payment.

 

The cheques will be represented to your bank and if the money isnt there they will bounce incurring fees. If i was you, and i know how scary this can be, i would call your bank first and ask tell them the situation about these cheques being represented in however many days time and ask them if they will go though or is there anyway of cancelling them. I actually thought that you could cancel cheques? After that, once you know whats going to happen with these cheques you have two choices. Call the money shop head office and tell them that you cant afford to honour these cheques. Dont get into the whys and wherefores just say that because of circumstances out of your control. Ask them if they can freeze interest and charges and then you will honour the debt. I know this is easier for me to say on the basis that you have to do it but i have dealt with companies like these on numerous occasions and i know what im talking about :)

 

So breathe, get a cup of coffee and call your bank.

 

Let us know how you get on and what they all say

 

D x

 

Hiya Dawny,

 

Thanks for your help.

 

Sorry for the delay, in getting back to you.

 

I have indeed, already told my bank that the cheque book was 'lost' however :? ..as I didn't want to attract undue attention from the A&L.

 

I also didn't want to 'warn' Money Shop of any impending issues, as I've read horror stories on here, of people who've had the Money Shop suddenly raid their account all at once.

 

Great to hear they eventually left your Mum alone!

 

Many Thanks,

 

SM.

Edited by stevemcqueen
Link to post
Share on other sites

They will always try and put the cheques through as they will charge you i think £25.00 per bounced cheque and so will your bank.

 

I would really advise calling you bank to check out if they can do this and maybe if you can cancel the cheques.

Edited by dawny36
Link to post
Share on other sites

OK. You're talking sense.

 

I'm just worried that A&L will give me an almighty b*llocking, due to my having written £500 worth of cheques, when it's obvious looking at my statements, that my income is zilch at the moment :-/

Link to post
Share on other sites

They will always try and put the cheques through as they will charge you i think £25.00 per bounced cheque and so will your bank.

 

I would really advise calling you bank to check out if they can do this and maybe if you can cancel the cheques.

 

 

If they DO levy a £25 charge for a failed cheque-then I woould be demanding proof that it costs them this-its clearly a penalty charge.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

Link to post
Share on other sites

Did you put anything in writing to A & L ?

Its essential that you do this-rather than dealing by phone or counter.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

Link to post
Share on other sites

Good point Dawn!

 

Martin -

 

Good thinking re charges, thanks.

 

I haven't written to A&L yet, no. Just phoned them, to report my cheque book / card as 'lost'.

 

They are now issuing new ones.

Edited by stevemcqueen
Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...