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    • They have defended the claim by saying that the job was of unsatisfactory standard and they had to call another carpenter to remedy. My husband has text messages about them losing the keys a second time and also an email. What do they hope to achieve??? Most importantly,  as far as I have seen online, now I need to wait for paperwork from the court, correct?
    • The Notice to Hirer does not comply with the protection of Freedoms Act 2012 Schedule  4 . This is before I ask if Europarks have sent you a copy of the PCN they sent to Arval along with a copy of the hire agreement et. if they haven't done that either you are totally in the clear and have nothing to worry about and nothing to pay. The PCN they have sent you is supposed to be paid by you according to the Act within 21 days. The chucklebuts have stated 28 days which is the time that motorists have to pay. Such a basic and simple thing . The Act came out in 2012 and still they cannot get it right which is very good news for you. Sadly there is no point in telling them- they won't accept it because they lose their chance to make any money out of you. they are hoping that by writing to you demanding money plus sending in their  unregulated debt collectors and sixth rate solicitors that you might be so frightened as to pay them money so that you can sleep at night. Don't be surprised if some of their letters are done in coloured crayons-that's the sort of  level of people you will be dealing with. Makes great bedding for the rabbits though. Euro tend not to be that litigious but while you can safely ignore the debt collectors just keep an eye out for a possible Letter of Claim. They are pretty rare but musn't be ignored. Let us know so that you can send a suitably snotty letter to them showing that you are not afraid of them and are happy to go to Court as you like winning.  
    • They did reply to my defence stating it would fail and enclosed copies of NOA, DN Term letter and account statements. All copies of T&C's that could be reconstructions and the IP address on there resolves to the town where MBNA offices are, not my location
    • Here are 7 of our top tips to help you connect with young people who have left school or otherwise disengaged.View the full article
    • My defence was standard no paperwork:   1.The Defendant contends that the particulars of claim are generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 2. Paragraph 1 is noted. The Defendant has had a contractual relationship with MBNA Limited in the past. The Defendant does not recognise the reference number provided by the claimant within its particulars and has sought verification from the claimant who is yet to comply with requests for further information. 3. Paragraph 2 is denied. The Defendant maintains that a default notice was never received. The Claimant is put to strict proof to that a default notice was issued by MBNA Limited and received by the Defendant. 4. Paragraph 3 is denied. The Defendant is unaware of any legal assignment or Notice of Assignment allegedly served from either the Claimant or MBNA Limited. 5. On the xx/xx/2023 the Defendant requested information pertaining to this claim by way of a CCA 1974 Section 78 request. The claimant is yet to respond to this request. On the xx/xx/2023 a CPR 31.14 request was sent to Kearns who is yet to respond. To date, xx/xx/2023, no documentation has been received. The claimant remains in default of my section 78 request. 6. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of proof of assignment being sent/ agreement/ balance/ breach or termination requested by CPR 31.14, therefore the Claimant is put to strict proof to: (a) show how the Defendant entered into an agreement; and (b) show and evidence the nature of breach and service of a default notice pursuant to Section 87(1) CCA1974 (c) show how the claimant has reached the amount claimed for; and (d) show how the Claimant has the legal right, either under statute or equity to issue a claim; 7. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed. 8. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974. 9. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.
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      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.
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WDA complaint resolution help


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Hey hoping someone can give me some advice.

 

 

I got myself into a stupid situation taking payday loans out. At the time I didn't feel that I had a right to complain and felt really embarrassed about it all. Now I have paid everything back I decided to email wageday advance to raise my grievance. The situation with this company was for three years I took 6 loans out consistently by rolling over between 4-8 times per loan. It was just so easy as they would text me a few times a month offering the extensions and stupidly I did. After initially raising the complaint I then managed to login to the old account and it said I still owed them £300 even though it was settled with a third party a year ago. I called to enquiry and they would only let me speak to collections, so I got a settlement notice to prove I had paid and added this to the complaint.

7 weeks on they have provided me with a resolution agreeing that rolling over 8 times wouldn't have helped financially and have offered to pay me back for 3 rollovers plus 0.8%.

I really wasn't expecting to get any offer but don't feel that rolling over for 4 months at a time is any better than 8. They have also updated my details so I don't owe them anything but completely ignored the stress it put me under getting the settlement notice.

If I accept there offer can I still refer it to the FOS or should I just decline. If it is declined by FOS could I end up with nothing? Any help would be appreciated. Thanks.

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Hi and welcome to CAG.

 

I am a little confused. Are you saying that you took out 6 seperate loans which you then rolled over 4-8 times? IF that is the case, I would be pushing for more of the rollover fees to be refunded.

 

While there were no rules about how many times they are allowed to rollover any debt (at the time), this seems like unfair practice to me (could be wrong though)

 

In the meantime, I would be sending them a SAR to get all the data they hold which hopefully would include contact made with you.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Yip, between 4 and 8 rollovers for 6 loans over 3 years, must have been crazy.

WDA agree that

"In your complaint you mention the rollover option given to yourself. I can see on your loan, loan ref xxx issued on the 21st June 2011 this was rolled over eight times, each rollover costing £91.25 totalling an amount of £273.75 I do not feel the amount of rollovers you received would have helped your financial circumstances and balance with ourselves at that time”.

This confused me as the amount calculates to 3 rollovers meaning that anything above 5 rollovers wouldn’t have been beneficial? The resolution itself is terrible as they haven’t included my FOS rights either.

I have replied to WDA asking them to reconsider the settlement amount.

I have also spoken to the FOS who advised if I accept the resolution there would be no reason for them to step in. He sounded really positive about allowing them to look into the case. So if I am not given another resolution, I am sending all my evidence, including screen shots of their errors, loan agreements etc to the FOS.

 

Just a waiting game now.

 

 

 

 

 

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hi,I've just had a similar experience with WDA where in their final response they have replied with a load of gibberish about the loans, dates and amounts. I do not know if this was because they have poor record keeping or being disingenious. Thankfully, I have kept all emails and bank statements - in my case they rolled over my initial loan 10 times thereby paying almost £600 in rollover fees against an initial loan of £200I am in the process of escalating my complaint now to FOS.BTW, do you recall the extension method - I have a link in some historic emails to extend my loan but cant fully remember what information they asked for?

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Hey acid53,

Good to hear that your taking on WDA as their practices are shocking.

My extensions were made by replying to their texts on most occasions and sometimes doing it on their site. They never asked for any additional information they just got me to confirm my details for security before rolling over never asking me for any income/expenditure details except on my initial loan.

They have already confirmed in their resolution that their affordability check is done based on what you tell them. I don't feel that this is an appropriate method and think the FOS would agree.

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hey sherbit, yes have both WDA and Uncle Buck in my sights with the FOS for excessive rollovers and lack of affordability - only when I looked through my bank statements did I realise the scale of rollovers these guys permitted and encouraged. I got some nonsense back about WDA using a bespoke scoring system...full of cr*p!!Have you complained about any other lenders to FOS?

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