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    • love the extra £1000 charge for confidentialy there BF   Also OP even if they don't offer OOC it doesn't mean your claim isn't good. I had 3 against EVRi that were heard over the last 3 weeks. They sent me emails asking me to discontinue as I wouldn't win. Went infront of a judge and won all 3.    Just remember the law is on your side. The judges will be aware of this.   Where you can its important to try to point out at the hearing the specific part of the contract they breached. I found this was very helpful and the Judge made reference to it when they gave their judgements and it seemed this was pretty important as once you have identified a specific breach the matter turns straight to liability. From there its a case of pointing out the unlawfullness of their insurance and then that should be it.
    • I know dx and thanks again for yours and others help. I was 99.999% certain last payment was over six years ago if not longer.  👍
    • Paragraph 23 – "standard industry practice" – put this in bold type. They are stupid to rely on this and we might as well carry on emphasising how stupid they are. I wonder why they could even have begun to think some kind of compelling argument – "the other boys do it so I do it as well…" Same with paragraph 26   Paragraph 45 – The Defendants have so far been unable to produce any judgements at any level which disagree with the three judgements…  …court, but I would respectfully request…   Just the few amendments above – and I think it's fine. I think you should stick to the format that you are using. This has been used lots of times and has even been applauded by judges for being meticulous and clear. You aren't a professional. Nobody is expecting professional standards and although it's important that you understand exactly what you are doing – you don't really want to come over to the judge that you have done this kind of thing before. As a litigant in person you get a certain licence/leeway from judges and that is helpful to you – especially if you are facing a professional advocate. The way this is laid out is far clearer than the mess that you will get from EVRi. Quite frankly they undermine their own credibility by trying to say that they should win simply because it is "standard industry practice". It wouldn't at all surprise me if EVRi make you a last moment offer of the entire value of your claim partly to avoid judgement and also partly to avoid the embarrassment of having this kind of rubbish exposed in court. If they do happen to do that, then you should make sure that they pay everything. If they suddenly make you an out-of-court offer and this means that they are worried that they are going to lose and so you must make sure that you get every penny – interest, costs – everything you claimed. Finally, if they do make you an out-of-court offer they will try to sign you up to a confidentiality agreement. The answer to that is absolutely – No. It's not part of the claim and if they want to settle then they settle the claim as it stands and don't try add anything on. If they want confidentiality then that will cost an extra £1000. If they don't like it then they can go do the other thing. Once you have made the amendments suggested above – it should be the final version. court,. I don't think we are going to make any more changes. Your next job good to make sure that you are completely familiar with it all. That you understand the arguments. Have you made a court familiarisation visit?
    • just type no need to keep hitting quote... as has already been said, they use their own criteria. if a person is not stated as linked to you on your file then no cant hurt you. not all creditors use every CRA provider, there are only 3 main credit file providers mind, the rest are just 3rd party data sharers. if you already have revolving credit on your file there is no need to apply for anything just 'because' you need to show you can handle money. if you have bank account(s) and a mortgage which you are servicing (paying) then nothing more can improve your score, despite what these 'scam' sites claiml  its all a CON!!  
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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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Help with getting a reduced repayment plan accepted by Payday Loan companies


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Thanks sillygirl and everyone else who has kindly given me advice, which I am following as suggested.

 

Since sending in my formal complaint minicredit have completely ignored me, so i am putting the money that I would have paid them away and when (or if) i ever get their banking details I can make a payment of the money i've saved.

 

Personally i think its going to take assistance from FOS to get them to play ball, so i guess i've just got to wait it out until the 8 weeks deadline passes and then make the FOS complaint and take it from there.

 

Should they take this to court, (and i'm kind of hoping they do as i'm no pushover and I am more than capable of standing my ground and defending myself) then i'm fully prepared to argue my case - now way can they justify adding over £400 (and rising) of charges to a £120 debt, especially when I have stated i wish to make a payment but i can't as they refuse to give me their banking details - no way are they getting their gubby mits on my bank cards, as according to their phone messages they will take as many payments from my bank as they can to clear the debt. I'm sure FOS and a Judge will be very interested in thsat information!!!

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Report them to the oft as well as they're breaking guidance regulations.

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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I received a letter from MC today telling me they are sending a doorstep collector to my home. They haven't even acknowledged my formal complaint. They can try and visit but it won't do them any good - i hope they like talking to brick walls as there is no chace of me opening the doort to them, let alone engage in converation

 

The clock just keeps ticking away until the 8 weeks are up and then in goes the FOS complaint, just 6 more weeks to go.......

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They dont need to acknowledge it. From the time they recieve it, the 8 week timer starts ticking.

 

As for their doorstep collectors... Read through http://www.consumeractiongroup.co.uk/forum/content.php?441-If-you-do-receive-a-doorstep-visit-we-give-these-suggestions-to-Members

 

When i was in debt, i had a few collectors come after me. I simply stood in the doorway leaning on the wall ignoring them till they gave up. I very much doubt theyd have tried anything against a 6 ft 2 ex rugby player who had a pretty big german shephard and Alsatian who were conveniently in the garden every time they came round.

 

The funny thing was, those two dogs were soft as hell, yet the collectors always ran out the gate when they saw them running down the path.

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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  • 2 months later...
From my own experience I would set up the payment plan, then once you have paid what you owe, if they still want to argue about the charges then let them, they will not take you to court for charges alone. I fought them in court and lost, but they didn't even argue the charges and agreed they should not be added to the total cost.

 

Just out of interest, did you file a defence and attend the court at the hearing?

5th Jul 06 - Prelim sent to Halifax

20th Jul 06 - LBA sent (no response)

7th Aug 06 - Offer of £297 recieved. (declined offer)

10th Aug 06-revised date to submit moneyclaim (financial constraints prevented this action)

1st Sep 06 - Moneyclaim filed and issued

1st Sep 06 - recieved 2nd offer of £892 (after claim submitted)

5th Sept 06 - moneyclaim Acknowledged online

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hi

 

I had the same problem with QQ.

They do accept paypal payments which i used, i also got six months out of them by agreeing to their 3 month plan, paying the first month then reduced paymant by half each month. When they emailed me i just replied i will make it up next month.

 

Fernal

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Be very careful with paypal, as they can turn the payments into a subscription, and its not easy to cancel it. This means that even when the loan or payments end, they can still be taking money from your paypal account. Especially if it is linked to a bank account or debit card.

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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  • 2 weeks later...
hi

 

I had the same problem with QQ.

They do accept paypal payments which i used, i also got six months out of them by agreeing to their 3 month plan, paying the first month then reduced paymant by half each month. When they emailed me i just replied i will make it up next month.

 

Fernal

I was told on their livechat they no longer accept paypal, just dd or debit card.

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  • 1 month later...
I was told on their livechat they no longer accept paypal, just dd or debit card.

 

I have a repayment plan. with QQ over 12 month paying by direct debit. With direct debit you have direct debit guarantee. this means they cannot change the amount they take from your bank without giving you 10 working days notice. If they do take more than the agreed amount then the bank must stop the payment and claim it back from the company and put it back in your bank account. You then write to the company telling them they have not adhered to the DD guarantee.

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You make a good point with regard to DD. I would set-up a secondary account and get the exact amount transferred into the account so QQ can take their direct debit. if you get paid on the last working day for example, set-up the direct debit for the 01st of each month and make a standing order from your salary account to the secondary account and then qq can take their money and not yours!

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