Jump to content


  • Tweets

  • Posts

    • 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.   
    • S13 (2)The creditor may not exercise the right under paragraph 4 to recover from the keeper any unpaid parking charges specified in the notice to keeper if, within the period of 28 days beginning with the day after that on which that notice was given, the creditor is given— (a)a statement signed by or on behalf of the vehicle-hire firm to the effect that at the material time the vehicle was hired to a named person under a hire agreement; (b)a copy of the hire agreement; and (c)a copy of a statement of liability signed by the hirer under that hire agreement. As  Arval has complied with the above they cannot be pursued by EC----- ------------------------------------------------------------------------------------------------------------------------------------------------------------------- S14 [1]   the creditor may recover those charges (so far as they remain unpaid) from the hirer. (2)The conditions are that— (a)the creditor has within the relevant period given the hirer a notice in accordance with sub-paragraph (5) (a “notice to hirer”), together with a copy of the documents mentioned in paragraph 13(2) and the notice to keeper; (b)a period of 21 days beginning with the day on which the notice to hirer was given has elapsed;  As ECP did not send copies of the documents to your company and they have given 28 days instead of 21 days they have failed to comply with  the Act so you and your Company are absolved from paying. That is not to say that they won't continue asking to be paid as they do not have the faintest idea how PoFA works. 
    • Euro have got a lot wrong and have failed to comply with the Protection of Freedoms Act 2012 Schedule 4.  According to Section 13 after ECP have written to Arval they should then send a NTH to the Hirer  which they have done.This eliminates Arval from any further pursuit by ECP. When they wrote to your company they should have sent copies of everything that they asked Arval for. This is to prove that your company agree what happened on the day of the breach. If ECP then comply with the Act they are allowed to pursue the hirer. If they fail, to comply they cannot make the hirer pay. They can pursue until they are blue in the face but the Hirer is not lawfully required to pay them and if it went to Court ECP would lose. Your company could say who was driving but the only person that can be pursued is the Hirer, there does not appear to be an extension for a driver to be pursued. Even if there was, because ECP have failed miserably to comply with the Act  they still have no chance of winning in Court. Here are the relevant Hire sections from the Act below.
  • 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

my loans - some one took £69.99 from my bank account !!


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3630 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

can anyone help me i was applying for a loans last week and some one has took 69.99 from my bank account and i dont have a clue who it is it just says on bank statement my loans then last 4 numbers on my bank card, i do have pay day loans which are paid when they are suoppsed to be but i have no clue where this money has gone i have no e-mails or phone calls from any company callled my loans and i cant trace them on the internet either. any one able to help with this??:mad2:

Link to post
Share on other sites

This figure sounds like the amount a pay day loan company takes, ask your bank if they have any other details they may be able to tell you if this is a continuous credit agreement or they may have a full name of the company. I would however stop your card say it has been stolen and get the bank to send you a new one in case it has been cloned, also if this is a mistake you can claim the payment back from your bank.

If I have been of any help, please click on my star and let me know, thank you.

Link to post
Share on other sites

chargeback!!

http://whatconsumer.co.uk/visa-debit-chargeback/

many examples of this on CAG happening.

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

  • 1 month later...

I had trouble with myloans but I decided I wasn't going to stand for it. After 5 seperate phone calls and me telling them EXACTLY what I thought of them I chose to contact the financial ombudsman and get them involved. My next step is to get the FSA involved, Even if I dont get the £70 back, I'm going to make them earn it. They have already changed the website and made their charges upfront now (it wasn't when I got had). I feel a bit better to know Im not the only one to get ripped off by them but I hope to be the last! Their phone number is 08454918820. Best of luck with them

Link to post
Share on other sites

  • 2 weeks later...

I actually am disgusted that I managed to get conned!!! :mad2:

 

To be fair, I don't think it was entirely my fault;

 

I came across myloans via another link which took me into the apply section bypassing the home page stating the £69.99 fee.

 

When I did see this amount mentioned, I thought it was in relation to the company who was offering me the loan.

 

The next thing I get a text message saying "thank you for your payment".

I'm like, who took money for what?!?!?

 

Looked further into it and it is myloan (08454918820 or 01625505465) or Enhance Financial Services, Macclesfield (0871 705 0201) as has shown to my bank.

 

I've tried all the numbers, can't get to speak to anyone,

constantly on hold and then told to ring back.

 

On principle I'm going to fight the bit out. :-x I'm also completing a Visa Dispute which, if successful, can take up to 30 days.

 

Anyone seeking a small loan, please, please, please be careful.

 

I always thought I was savvy now I'm thoroughly embarrassed. :oops:

 

 

Needless to say, they have provided no companies that I would even dream of using and am now getting junk email re loans from companies in Seattle!! :???:

Edited by Tazzers
Link to post
Share on other sites

chargeback!!

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

No it is NOT.

 

and you dont ASK for a chargeback you DEMAND it.

 

and you dont give up

 

go up the monkey chain till you get one that KNOWS what it is

 

very few know how chargeback actually works. or IS

 

you CAN chargeback

 

they investigate it LATER.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

can anyone help me i was applying for a loans last week and some one has took 69.99 from my bank account and i dont have a clue who it is it just says on bank statement my loans then last 4 numbers on my bank card, i do have pay day loans which are paid when they are suoppsed to be but i have no clue where this money has gone i have no e-mails or phone calls from any company callled my loans and i cant trace them on the internet either. any one able to help with this??:mad2:

 

i have just noticed the same with my loans..i did go on this site...and replied..but cancelled as i didnt want to pay the 69.99 fee.as warned about this....so the payment didnt go through..i have just checked my statement..and they took it today...with no notification...am furious..

Link to post
Share on other sites

best thing is to imediately contact your bank/card provider and demand a chargeback.

 

youdid NOT give them the authority to charge your card

 

you were asked for it for security purposes

not for a charge.

 

loads of threads on this £70 issue

 

most get money back.

 

complain and DO NOT TAKE NO FOR AN ANSWER

your bank CAN refund it

 

you did NOT give authority

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

this has happened to me a single mum of 2 who really could have done without losing 68 quid is there any way of getting it back????

 

yes..i am having my money refunded..rang them..and told them..they emailed me cancellation form..and responded saying refunded in 30 days...they are supposed to give you a date and amount they are taking it..but they didnt..so i simply rang them..and finally get my money back..

Link to post
Share on other sites

  • 2 weeks later...

im furious with my loans.

.i cancelled the agreement within the time frame.

..so why does it take 30 days to refund.

..i emailed them.

.telling them they have hold of my money for no reason.

.and demand they return asap

..as i have my rent to pay.

..they emailed me back.

.to say it will be refunded on 30 july.

..i emailed them back.

.saying not good enough.

.as i am entitled to this now.

..as i have no goods or services from them

 

.to warrant them keeping hold of my money.

...is there anything else i should tell them...

Link to post
Share on other sites

chagre them at your card int rate too on top!!

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

They seem to be undegoing a site overhaul :)

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

Link to post
Share on other sites

  • 1 month later...
can anyone help me i was applying for a loans last week and some one has took 69.99 from my bank account and i dont have a clue who it is it just says on bank statement my loans then last 4 numbers on my bank card, i do have pay day loans which are paid when they are suoppsed to be but i have no clue where this money has gone i have no e-mails or phone calls from any company callled my loans and i cant trace them on the internet either. any one able to help with this??:mad2:
yea
Link to post
Share on other sites

can anyone help me i was applying for a loans last week and some one has took 69.99 from my bank account and i dont have a clue who it is it just says on bank statement my loans then last 4 numbers on my bank card, i do have pay day loans which are paid when they are suoppsed to be but i have no clue where this money has gone i have no e-mails or phone calls from any company callled my loans and i cant trace them on the internet either. any one able to help with this??:mad2:

you must have applied for a loan through some website and given them your card details - they take the money and then give you some loan companies to try - massive [problem]!!!! I managed to get money back from one of them by going to their refunds department.

Link to post
Share on other sites

you must have applied for a loan through some website and given them your card details - they take the money and then give you some loan companies to try - massive [problem]!!!! I managed to get money back from one of them by going to their refunds department.

 

I got caught by this. At no stage was I warned I was entering into a payment service, and my card details were not even entered on that particular site. I just went straight through the VISA chargeback scheme.

 

Funnily enough these companies don't seem to challenge a chargeback...

[sIGPIC][/sIGPIC]

Link to post
Share on other sites

  • 4 months later...
can anyone help me i was applying for a loans last week and some one has took 69.99 from my bank account and i dont have a clue who it is it just says on bank statement my loans then last 4 numbers on my bank card, i do have pay day loans which are paid when they are suoppsed to be but i have no clue where this money has gone i have no e-mails or phone calls from any company callled my loans and i cant trace them on the internet either. any one able to help with this??:mad2:

 

 

Hi yes I can help as i have just had to trace them via my bank's fraud team

 

I didn't have an account with them or make an application via them yet they still managed to take the same amount from my account.

 

I today have spoken with the company and here are the details

MYLOANS.CO.UK

ring 0844 288 0444 /0441

and explain that you have not made an application

and you require a refund

they will email you a customer survey to complete as to why you didn't want the loan etc

and jut complete it and send it back

 

they say if you haven't cancelled within fourteen days then they will take five pounds for admin!

 

As i explained to them they had no right to take the payment and because it had taken me almost two weeks to find out who they were they had no right to the fiver either.

 

I hope you are successful as I now sit waiting to find out whether they are true to their word.

I think the word fraud and bank may have helped but I didn't lie as that is exactly how I got their information.

 

I had been stung by these type of people five times in the week before xmas to the tune of nearly £400 ,

one company charging me three times so be careful and good luck. k

Link to post
Share on other sites

Hi yes I can help as i have just had to trace them via my bank's fraud team I didn't have an account with them or make an application via them yet they still managed to take the same amount from my account. I today have spoken with the company and here are the details MYLOANS.CO.UK ring 0844 288 0444 /0441 and explain that you have not made an application and you require a refund they will email you a customer survey to complete as to why you didn't want the loan etc and jut complete it and send it back they say if you haven't cancelled within fourteen days then they will take five pounds for admin! As i explained to them they had no right to take the payment and because it had taken me almost two weeks to find out who they were they had no right to the fiver either. I hope you are successful as I now sit waiting to find out whether they are true to their word. I think the word fraud and bank may have helped but I didn't lie as that is exactly how I got their information. I had been stung by these type of people five times in the week before xmas to the tune of nearly £400 , one company charging me three times so be careful and good luck. k

ps they are found via brokers who spread your details everywhere to apparently find you the perfect loan

Link to post
Share on other sites

  • 5 months later...

Please keep to your other thread dartsmad. There's no need to use multiple posts and/or threads.

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

Link to post
Share on other sites

  • 10 months later...
best thing is to imediately contact your bank/card provider and demand a chargeback.

 

youdid NOT give them the authority to charge your card

 

you were asked for it for security purposes

not for a charge.

 

loads of threads on this £70 issue

 

most get money back.

 

complain and DO NOT TAKE NO FOR AN ANSWER

your bank CAN refund it

 

you did NOT give authority

 

dx

 

Actually it depends on the bank/merchant, all credit card transactions can and very likely will be reversed. Debit card payments are a little bit more tricky, and banks are not obliged to issue charge backs.

 

Many banks will credit the funds to you immediately, then they will send out a charge back letter to the address provided by the merchant. At this stage no funds will have been reversed, the bank will essentially be lending you the money on faith that the claim is valid.

 

If the charge back isn't challenged , the money will then be returned from the merchants account. If it is challenged, or if the bank decide it isn't fraud following an internal investigation, then the funds will not be reversed. At this stage any money given to the client will be taken back, even if this puts them into an unauthorised overdraft (unless of course the challenge fails, which is pretty rare. Most companies don't bother challenging unless they're relatively certain they are in the right).

 

Anyway, sorry for reviving a dead thread but this thread apparently ranks quite highly on Google and isn't entirely accurate.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...