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    • 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 and that is absolutely – No. It's not part of the claim and if they want to settle then they settle the claim and don't 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 members of suggested above – it should be the final version. court, that I would respectfully requestup but 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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      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.

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      This is good ethical practice.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Wonga Payment Plan / Default


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Hi I took out a payment plan over four months with Wonga which I met on time, and have now settled the balance.

 

Unfortunately, Wonga has decided to mark this loan as defaulted on my credit report, despite the agreement of a payment plan, and the subsequent meeting of payments.

 

Do I have grounds to question this default? :(

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Hi dave. Can you tell us the date the payment arrangement was made, and the date the closing payment was made. Also, what was the date wonga put on there, and did they send any kind of a default notice before doing so?

 

 

Also, what was the overall time you had the loan, from receiving the money, to the final payment? And how long from receiving the loan to the payment plan being accepted?

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

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Hi RenegadeImp

 

I took the loan out on 28th December 2012, and negotiated the payment plan on January 28th 2013.

 

Payments

 

Feb 28th 2013 - £402.39

March 28th 2013 - £402.39

April 28th 2013 - £402.39

May 29th 2013 - £275

 

I did not receive any default notice from Wonga. In fact they assured me over the phone it wouldn't count as a default if I met my payments.

 

Thanks for your help!

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Sounds like you can contest the default. However, the problem you will have is you spoke to a phone rep and you dont have any evidence of what was said.

 

In the first instance, i would write down everything you can remember about the loan, right from the start, then form a full complaint.

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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Hi Renegade

 

My account was set to default on 1st May 2013 with a balance of £275 - 28 days before my last payment of £275 was due,

and the balance is now marked as satisified in experian.

 

I had met all the payments of my plan in full and on time before this.

 

Do I need to make the formal complaint via Wonga, or a third party?

 

Pretty gutted to be honest, after I thought I had conquered my payday loan nightmare.

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I would make it direct to their data controller and place a dispute with the credit record agency. Wonga will try and say it is fair, but it isnt. Especially when we have a lot of people on here who go 6 months + and no default is registered.

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...

Hi I was just wondering how you got on with this?

 

I will be negotiating a 2 month (or 60 day) payment plan this month on the 25th (payment is due 28th), I have called them to ask if this will be marked as a default on my credit file and the advisor has told me that they will not mark a default within the 1st 120 days of the due date, if you have not settled within 120 days they will default me, it will just show as late payments untill then so I should be fine.

However you say they marked you as delfault after 90 days???

This worries me! Did they remove the default for you in the end?

 

My plan will be as follows £500 28th Sept

£500 28th Oct

£270 28th Nov

 

So as you can see it will be settled within 2 months of the original due date.

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The fact any mark is on your file from a bad could look bad in a lenders eyes. Thats why most pdls dont report to the files unless they ate blackmailing you when you are trying to repay.

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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  • 1 month later...

Hi hits555.

 

Can you start a new thread with as much info as you can about your situation? THat way we can give specific advice to you and not get it muddled with other peoples :)

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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