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    • 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 02/01/2023 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 19/05/2023 a CPR 31.14 request was sent to Kearns who is yet to respond. To date, 02/06/2023, 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.
    • Monika the first four pages of the Private parking section have at least 12 of our members who have also been caught out on this scam site. That's around one quarter of all our current complaints. Usually we might expect two current complaints for the same park within 4 pages.  So you are in good company and have done well in appealing to McDonalds in an effort to resolve the matter without having  paid such a bunch of rogues. Most people blindly pay up. Met . Starbucks and McDonalds  are well aware of the situation and seem unwilling to make it easier for motorists to avoid getting caught. For instance, instead of photographing you, if they were honest and wanted you  to continue using their services again, they would have said "Excuse me but if you are going to go to Mc donalds from here, it will cost you £100." But no they kett quiet and are now pursuing you for probably a lot more than £100 now. They also know thst  they cannot charge anything over the amount stated on the car park signs. Their claims for £160 or £170 are unlawful yet so many pay that to avoid going to Court. When the truth is that Met are unlikely to take them to Court since they know they will lose. The PCNs are issued on airport land which is covered by Byelaws so only the driver can be pursued, not the keeper. But they keep writing to you as they do not know who was driving unless you gave it away when you appealed. Even if they know you were driving they should still lose in Court for several reasons. The reason we ask you to fill out our questionnaire is to help you if MET do decide to take you to Court in the end. Each member who visited the park may well have different experiences while there which can help when filling out a Witness statement [we will help you with that if it comes to it.] if you have thrown away the original PCN  and other paperwork you obviously haven't got a jerbil or a guinea pig as their paper makes great litter boxes for them.🙂 You can send an SAR to them to get all the information Met have on you to date. Though if you have been to several sites already, you may have done that by now. In the meantime, you will be being bombarded by illiterate debt collectors and sixth rate solicitors all threatening you with ever increasing amounts as well as being hung drawn and quartered. Their letters can all be safely ignored. On the odd chance that you may get a Letter of Claim from them just come back to us and we will get you to send a snotty letter back to them so that they know you are not happy, don't care a fig for their threats and will see them off in Court if they finally have the guts to carry on. If you do have the original PCN could you please post it up, carefully removing your name. address and car registration number but including dates and times. If not just click on the SAR to take you to the form to send to Met.
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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.

      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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Pay Day Loan Companies - Contact Information


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Recommended Posts

Thanks to fkofilee for the following information and to tawny owl for the suggestion :)

 

Quote

Avantcredit LLC TA / Avantcredit

27 Old Gloucester Street

London

WC1N 3AX

 

[email protected]

[email protected]

 

Notes; US based company, relatively unknown. Only does personal loans now. Used to do PDL.

Firm Name: Avantcredit Of Uk, Llc

Interim Permissions Reference Number: 657278

 

 

 

Quote

Active Securities TA / Moneybox 24/7

20-22 Wenlock Road

London

N1 7GU

 

[email protected]

[email protected]

 

Notes:

 

Very Difficult to deal with, is very scripted with responses. Small organisation.

Firm Name: Active Securities Limited

Interim Permissions Reference Number: 622332

 

 

Quote

Casheuronet LLC TA/ Quickquid / Pounds To Pocket / On Stride Financial

23 Austin Friars

London

EC2N 2QP

 

[email protected]

[email protected]

 

Notes:

Complaint email will vary per brand. US Company. 2nd Largest PDL Lender in UK.

Firm Name: Casheuronet UK LLC

Interim Permissions Reference Number: 603395

 

 

 

Quote

Cash On Go Limited / TA Peachy Loans

76 King Street

Manchester

M2 4NH

 

[email protected]

[email protected]

 

Notes

Will be starting a Long Term Installment service shortly, Kristian is MD, Passes details on without consent for marketing.

Firm Name: Cash On Go Limited

Interim Permissions Reference Number: 637962

 

 

 

Quote

Care Retirement Options Limited TA/ Care Finance and Loans

Ebeneezer House

Poole Road

Poole

Dorset

BH2 5QJ

 

[email protected]

[email protected]

 

Notes:

Registered Address Is a Flat. Small market share. Open for 7 years.

Firm Name: Care Retirement Options Limited

Interim Permissions Reference Number: 618577

 

 

 

Quote

CFO Lending Ltd

2nd Floor Kirkdale House

Kirkdale Road

Leytonstone

E11 1HP

 

[email protected]

[email protected]

 

Notes:

Now only does Guarantor Loans. Has had disciplinary action taken (Voluntary)

Firm Name: Cfo Lending Limited

Interim Permissions Reference Number: 623671

 

 

 

Quote

Different Money / TA Different Money Ltd / MyMate

Moseley Hall Farm

Chelford Road

Knutsford

Cheshire

WA16 8RB

[email protected]

[email protected]

 

Notes:

Used to be Mymate, Trading name has gone. Did a TV Ad with Chesney Hawkes

Firm Name: Different Money Limited

Interim Permissions Reference Number: 656987

 

 

 

Quote

Ecashwindow Ltd / TA EPDL Ltd / ECashWindow

Midsummer Court

314 Midsummer Boulevard

Milton Keynes

MK9 2UB

 

[email protected]

[email protected]

 

Notes:

Used to be Early Pay Day Loans Ltd, Uses Courts and is attempting to dig up loans from 5 years ago. Gary is contact and is MD.

Firm Name: Ecashwindow Ltd

Interim Permissions Reference Number: 629035

 

 

 

Quote

Elevate Credit TA/ 1MonthLoan / Sunny / Quid.co.uk

27-28 Eastcastle Street

London

W1W 8DH

 

[email protected]

[email protected]

 

Notes:

Long standing firm, uses MMF DCA quite regularly. Known to be unfair in the past. Address may have changed on Sunnys Site.

Firm Name: Elevate Credit International Limited

Interim Permissions Reference Number: 594425

 

 

 

Quote

Emergency Cash Limited / TA Wizzcash

4th Floor

7/10 Chandos Street

London

W1G 9DQ

 

[email protected]

[email protected]

[email protected]

 

Notes:

Small company offering 3 month instalment loans upto £1000, Daniel is Director.

Firm Name: Emergency Cash Limited

Interim Permissions Reference Number: 642819

 

 

 

Quote

Evergreen Finance London TA/ Moneyboat

145-157 ST. John Street

London

EC1V 4PW

 

[email protected]

[email protected]

[email protected]

 

Notes:

Part of larger Finance network, believe that are an Australian Company.

Firm Name: Evergreen Finance London Ltd

 

Interim Permissions Reference Number: 655011

 

 

 

Quote

Ferratum UK Ltd.

25 Goodlass Road

Liverpool

Merseyside

L24 9HJ

 

[email protected]

[email protected]

 

Notes:

Part of larger Europe Funding network. Very difficult to deal with.

Firm Name: Ferratum UK Ltd.

Interim Permissions Reference Number: 639266

 

 

 

Quote

FCL Consumer Finance Ltd TA/ Smart-Pig

C/O Brecher, 4th Floor

64 North Row

London

W1K 7DA

 

[email protected]

[email protected]

 

Notes:

Created By Students For Students, Fully Authorised. Caps Interest at 50% of amount borrowed.

Firm Name: FCL Consumer Finance Ltd

Interim Permissions Reference Number: 645656

Current status: Fully Authorised

 

 

 

Quote

 

Fidelity Works Ltd / TA True Blue Loans

1 Forbes Business Centre

Kempson Way

Bury St. Edmunds

Suffolk

IP32 7AR

 

[email protected]

[email protected]

[email protected]

 

Notes:

Small Company, Badly designed site, Seem to be very quiet. Has section on mental illness advice with loans.

 

Firm Name: Fidelity Works Ltd

Interim Permissions Reference Number: 655974

 

 

 

Quote

Fire Capital Ltd TA/ Pogo Loans

Suite 510-514

5th Floor

The Corn Exchange

Fenwick Street

Liverpool

Merseyside

L2 7RB

 

[email protected]

 

Notes:

Young company, No more info available.

Firm Name: Fire Capital Limited

Interim Permissions Reference Number: 656583

 

 

 

Quote

H&T Pawnbrokers

Times House

Throwley Way

Sutton

Surrey

SM1 4AF

 

[email protected]

[email protected]

 

Notes:

Doesn’t Do PDL anymore, Instalment Loans, Relatively Easy to deal with.

Firm Name: Harvey & Thompson Limited

Interim Permissions Reference Number: 327551

 

 

Quote

Jeremy Lawrence Limited / TA JL Money

17 Ensign House

Admirals Way

London

E14 9XQ

 

[email protected]

[email protected]

 

Notes:

Hasn’t Actually got Jeremy Lawrence as director. Daniel is director. Been around over a decade

Firm Name: Jeremy Lawrence Limited

Interim Permissions Reference Number: 561096

 

 

 

Quote

Lending Stream LLC TA/ Lending Stream UK

Camrose House

2A Camrose Avenue

Edgware

Middlesex

HA8 6EG

 

[email protected]

[email protected]

[email protected]

 

 

Notes:

US Based company, Large lending base / UK. Lots of complaints about abusing peoples accounts.

Firm Name: Lending Stream Llc

Interim Permissions Reference Number: 643942

 

 

 

Quote

Madison Consumer Finance TA/ 118 118 Money

Fusion Point

Dumballs Road

Cardiff

South Glamorgan

CF10 5BF

 

[email protected]

[email protected]

 

Notes:

Associated with the Directory Enquiries branding, Only does instalment loans now.

Firm Name: Madison CF UK Limited

Interim Permissions Reference Number: 656451

 

 

 

Quote

MYJAR

PO Box 609

Salford

M5 0HD

 

[email protected]

[email protected]

 

Notes:

Used to be known as Txtloan. Gareth Gumby has left the company.

Firm Name: MYJAR Limited

Interim Permissions Reference Number: 658236

 

 

 

Quote

Monkey Dosh Ltd

Room 2

Floor 8A

Sentinel House

Peel Street

Eccles

Manchester

M30 0NJ

 

[email protected]

[email protected]

 

Notes:

Relatively Unknown, Appears to be either inactive or very quiet.

Firm Name: Monkey Dosh Ltd

Interim Permissions Reference Number: 637731

 

 

Quote

MMP Financial Limited / TA Poundstillpayday

Forward Building

46 Windsor Road,

Slough

Berkshire

SL1 2EJ

 

[email protected]

[email protected]

 

Notes:

GOOD NEWS – Now is fully regulated by the FCA and has a UK Base of Ops. Possible reclaim on old loans!

Firm Name: MMP Financial Limited

Interim Permissions Reference Number: 648327

 

 

 

Quote

Nextcredit Ltd

Wisteria Camrose House

2a Camrose Avenue

Edgware

Middlesex

HA8 6EG

 

[email protected]

[email protected]

 

Notes:

SERIOUS! Used to be director of Digital Financial Services – Linked to Infamous CIMS

Technologies –

TOOTHFAIRY FINANCE! Steer clear!

Firm Name: Nextcredit Limited

Interim Permissions Reference Number: 649567

 

 

Quote

Novaloans Ltd / TA Cash4UNow

7 Limewood Way

Leeds

LS14 1AB

 

[email protected]

[email protected]

 

Notes:

PG – Patrick Green – Director / FCA Guy, Relatively small company

Firm Name: Novaloans Ltd.

Interim Permissions Reference Number: 644402

 

 

 

Quote

Piggy Bank Loans

DJS House,

The Riverside Suite,

Knapp Mill,

Mill Road,

Christchurch,

BH23 2JY

 

[email protected]

[email protected]

 

 

Notes:

Relatively unknown, Still trading. Unsure if uses legal action. Setup in 2012 / 2013 Financial Year.

Firm Name: DJS (UK) Limited

Interim Permissions Reference Number: 651003

 

 

Quote

Pixie Loans Ltd,

2nd Floor

St Mary's Court,

20 Hill Street

Douglas.

Isle of Man

IM1 1EU

 

[email protected]

 

Notes:

Limited info as based in IOM. They used a “shadow” company to register with FCA.

Firm Name: Pixie Loans Limited

Interim Permissions Reference Number: 662262

 

 

 

Quote

Provident Financial Services TA/ Provident / Satsuma Loans etc

1 Godwin Street

Bradford

BD1 2SU

 

[email protected]

[email protected]

[email protected]

 

Notes:

 

Peter Crook is CEO of Provident Group. Large Company. Also deals with Provident Doorstep loans.

Firm Name: Provident Personal Credit Limited

Interim Permissions Reference Number: 002529

 

 

Quote

PDL Finance TA/ Mr Lender

Suite 105W

Sterling House

Langston Road

Loughton

IG10 3TS

 

[email protected]

[email protected]

 

[email protected]

 

Notes:

Now Instalment loans, No longer does PDL. Very pushy with applications. Sends lots of advertising.

Firm Name: PDL FINANCE LIMITED

Interim Permissions Reference Number: 623787

 

PayDay Loan Companies - Contact Information - Part 1.pdf

 

 

 

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1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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  • 4 weeks later...

Thanks again to fkofilee for putting this information together.

 

 

Quote

The Quick Loan Shop Ltd

31 Dashwood Avenue

High Wycombe

HP12 3DZ

 

[email protected]

[email protected]

 

Notes:

Relatively unknown in the market. May possibly not be trading anymore.

Firm Name: The Quick Loan Shop Ltd

Interim Permissions Reference Number: 650559

 

 

 

Quote

Quidie Limited / TA Quidie OL / Quidie.com etc

25 North Row

London

W1K 6DJ

 

[email protected]

[email protected]

[email protected]

 

Notes:

3 Years Old, Accounts havent changed at all. Maybe dormant. Morisso is director.

Firm Name: Quidie Limited

Interim Permissions Reference Number: 651565

 

 

Quote

Safeloans Ltd (Dissolved) / SLL Capital

Unit 6B ZK Park

23 Commerce Way

Croydon

CR0 4ZS

 

[email protected]

[email protected]

[email protected]

 

Notes:

Now dealing with Safeloan Accounts. Used to be Safeloans. Is currently DCA. Safeloans Old trading name with FCA.

Firm Name: SLL Capital Limited

Interim Permissions Reference Number: 271778

 

 

 

 

Quote

Safety Net Credit

PO Box 1515

High Wycombe HP11 9JE

 

 

[email protected]

[email protected]

 

 

Notes:

Used to be known as Clearaccount. Product changed to be an Overdraft facility.

Firm Name: Indigo Michael Limited

Interim Permissions Reference Number: 646762

 

 

 

Quote

Shelby Finance Ltd TA/ Cleverdosh

York House

Suite 6

Vicarage Lane

Bowdon

Cheshire

WA14 3BA

 

[email protected]

 

Notes:

Poorly designed website. No Complaints email address

Firm Name: Shelby Finance Ltd

Interim Permissions Reference Number: 651623

 

 

 

Quote

Sunny Marketing Ltd / TA 100 Pounds / Skyquid

3rd Floor 207

Regent Street

London

W1B 3HH

 

[email protected]

[email protected]

[email protected]

 

Notes:

Has stopped Accepting Loans for now, Uses Gmail for Email Contact.

Firm Name: Sunny Marketing Ltd

Interim Permissions Reference Number: 647082

 

 

 

Quote

SRC Transatlantic Limited TA/ Wageday Advance / SpeedyCash (UK)

Wellington Plaza

31 Wellington Street

Leeds

West Yorkshire

LS1 4DL

 

[email protected]

[email protected]

[email protected]

 

Notes:

Speedy Cash and WDA merged into above. Speedycash is High Street Lender. Separate Licenses for both Trading Names.

Firm Name: SRC Transatlantic Limited

Interim Permissions Reference Number: 636512

 

 

Quote

Stagemount Limited / TA Quidmarket

Foxhall Business Centre

Foxhall Raod

Nottingham

NG7 6LH

 

[email protected]

[email protected]

 

Notes:

Courtney is Director (Email Contact), 5 Years Old, Company is growing, discontinues Claims quite a lot.

Firm Name: Stagemount Limited

Interim Permissions Reference Number: 638868

 

 

 

Quote

Trusted Quid

Stadium House Business Centre

Alderstone Road

Livingston

West Lothian

EH54 7DN

 

[email protected]

[email protected]

 

Notes:

Relatively Unknown, Appears to be either inactive or very quiet. Poorly designed Site

Firm Name: Trusted Cash Limited

Interim Permissions Reference Number: 634656

 

 

Quote

The Quick Loan Shop Ltd

31 Dashwood Avenue

High Wycombe

HP12 3DZ

 

[email protected]

[email protected]

 

Notes:

Relatively unknown in the market. May possibly not be trading anymore.

Firm Name: The Quick Loan Shop Ltd

Interim Permissions Reference Number: 650559

 

 

 

 

Quote

THL Direct

8 Trinity

161 Old Christchurch Rd

Bournemouth

BH1 1JU

 

[email protected]

[email protected]

 

Notes:

 

Small Lender, 6 Years Old. James is director. Largely known to previously clear accounts.

Firm Name: Total Home Loans Direct Limited

Interim Permissions Reference Number: 624540

 

 

 

Quote

Tide U Over

493a Caerphilly Road

Rhiwbina

Cardiff

CF14 4SN

 

[email protected]

[email protected]

 

Notes:

Small Company, Uses another company for registration, FCA Addresses don’t match.

Firm Name: Tide You Over Limited

Interim Permissions Reference Number: 641564

 

 

Quote

Uncle Buck TA/ Uncle Buck / Wageday Xpress / Varioloans / Redwallet

707 Churchill Way

Biggin Hill Airport

Biggin Hill

Westerham

Kent

TN16 3BN

 

[email protected]

[email protected]

[email protected]

 

Notes:

They were on a documentary on ITV This year. Lots of different brands, similar to CFO lending.

Firm Name: Uncle Buck Finance LLP

Interim Permissions Reference Number: 640978

 

 

Quote

Wageme Ltd

55 Old Broad Street

London

EC2M 1RX

 

[email protected]

[email protected]

 

 

Notes:

Relatively unknown, Still trading. Setup in 2012 / 2013 Financial Year. Scott is Director

Firm Name: Wageme.Com Limited

Interim Permissions Reference Number: 652040

 

 

Quote

Western Circle Limited / TA Cashfloat

Office 6

2A Highfield Avenue

London

NW11 9ET

 

[email protected]

[email protected]

[email protected]

 

Notes; Uses 3 different email domains. Website is poorly coded, difficult to navigate. Small company.

Firm Name: Western Circle Limited

Interim Permissions Reference Number: 651725

 

 

Quote

WDFC UK Ltd

88 Crawford Street

LONDON

W1H 2EJ

 

[email protected]

[email protected]

[email protected]

 

Notes:

Subject to 2 disciplinary notices, largest redress ever given by FCA. Still is PDL – Early Repayment Allowed.

Firm Name: WDFC UK Limited

Interim Permissions Reference Number: 611974

 

PayDay Loan Companies - Contact Information - Part 2.pdf

 

 

Before Printing the PDF TIP

 

If you DO NOT wish to print Page 1 (Cover Page) of the PDF, please ensure to do the following:

 

Ensure you go to your Printer Settings and set it to 'Print from Page 2' (this way Page 1 (Cover Page) should not print out).

 

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1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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