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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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Payday loans - how far can I claim back?


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Hello,

 

I am currently in the same situation, I do have a gambling issue and have been relying on Payday loans to cover it, Currently I only owe £350 TOTAL across the board but over the last 2 years there is roughly £7,500+ of borrowing from payday lenders that has been used to fund my habits, which looking back is irresponsible lending.

 

Can anyone please give me some advice on how to get the ball rolling?

 

Thank you

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Hello,

 

Thank you!

 

Its actually way more than £7,500. Just totted up one lender and it is at £9450 consistent borrowing over a since april 2015.

 

There are approximately 6/7 different lenders not to that extreme but at least a few extra thousands worth.

 

I am VERY bad at this kind of stuff, I have had a read of the guides, but could anyone please offer me some advice :(

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Perfect thank you,

 

I have had a quick scan through it and will read it all in more detail later today, just totting everything up at the moment (of what I can see, some don't have online account sections for me to be able to get the amounts and loan reference numbers?!?!)

 

So far upto £17,500 :( This is sickening

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Ooo... This could be interesting...

If these loans were AFTER The amendment to the PDL market conditions then this could be a very interesting case.

 

 

Tell me who youve had loans with, how many that you know off, amounts, status of accounts.

Is any gambling involved?

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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Hi Thank you,

 

So far The list is as below : I am yet to include (SUNNY, the rest of satsuma as I can only access a few, Pay-Day UK, Piggy bank)

 

Yes sadly gambling is the reason why I turned to payday loans, I would get a loan out and gamble it within hours, I have a bad gambling habit which is being addressed.

 

I currently have roughly £400 outstanding across 3 different companies.

 

QuickQuid

 

Base Loan 06/02/2017 £100.00 Paid Off

Top Up With Extension 04/01/2017 £400.00 Paid Off

Base Loan 26/10/2016 £300.00 Paid Off View

Base Loan 03/10/2016 £150.00 Paid Off View

Base Loan 07/08/2016 £150.00 Paid Off View

Base Loan 21/04/2016 £1250.00 Paid Off

Base Loan 21/01/2016 £1000.00 Paid Off

Base Loan 04/01/2016 £1000.00 Paid Off

Base Loan 29/12/2015 £500.00 Paid Off

Top Up 28/09/2015 £1100.00 Paid Off

Base Loan 26/09/2015 £700.00 Paid Off

Top Up With Extension 20/09/2015 £250.00 Paid Off

Base Loan 12/09/2015 £100.00 Paid Off

Base Loan 04/08/2015 £350.00 Paid Off

Base Loan 27/07/2015 £750.00 Paid Off

Base Loan 18/06/2015 £700.00 Paid Off

Top Up With Extension 01/05/2015 £450.00 Paid Off

Base Loan 11/04/2015 £50.00 Paid Off

 

TOTAL £9450.00

 

Lending Stream

£500.00 July 4, 2016 July 5, 2016, 8:06 p.m.

£200.00 Jan. 15, 2017 Jan. 18, 2017, 11:10 p.m.

£70.00 July 1, 2014 July 15, 2014, 9:08 a.m.

£520.00 Oct. 10, 2015 Oct. 31, 2015, 6:45 p.m.

£70.00 Dec. 1, 2016 Jan. 13, 2017, 12:57 a.m.

£250.00 April 29, 2016 May 12, 2016, 12:05 p.m.

£400.00 Nov. 30, 2015 Dec. 29, 2015, 11:38 p.m.

£130.00 July 3, 2014 July 15, 2014, 9:09 a.m.

£250.00 June 2, 2016 June 19, 2016, 9:52 p.m.

£100.00 July 8, 2016 Aug. 15, 2016, 1:12 a.m.

£150.00 Aug. 28, 2016 Oct. 14, 2016, 10:37 a.m.

£750.00 April 29, 2014 Sept. 3, 2014, 9:52 a.m.

£50.00 #141920191 July 11, 2014 July 15, 2014, 9:10 a.m.

£630.00 #160070229 Jan. 7, 2016 Jan. 10, 2016, 12:14 a.m.

TOTAL COST £4070.00

£4070.00

 

PROVIDENT FINANCIAL -

I have NO idea who these guys are, this is what shows up on my Credit file

08/10/2015 £800.00

09/02/2016 £570.00

05/04/2016 £26x12

08/06/2016 £123x3

21/07/2016 £33x12

£1,370.00

 

Satsuma that I can see online

 

02/11/2015 £500.00 View statement

15/03/2016 £400.00 View statement

16/05/2016 £160.00 View statement

15/07/2016 £260.00 View statement

15/08/2016 £200.00 View statement

 

Total £1520.00

 

 

 

My Jar

10/10/2015 £100.00

19/10/2015 £125.00

31/10/2015 £150.00

13/11/2015 £100.00

10/01/2016 £500.00

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Provident are Satsuma :) , - They are also Vanquis, and PRovident Doorstep lending...

I think you will need some help with this one.

 

Any more?

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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Thank you, I have had more loans with Satsuma (provident) but they are not showing up on my credit file.

 

I cant access piggy bank payday lenders online to get my history and I cant find them on my credit files, but there will be roughly £1,500+ from them.

 

Pay-day UK, there will be a few hundred off them but again cant access my files and cant find them on credit history.

 

This is a nightmare :(

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I have self excluded myself from the gambling websites that I use, I would be gambling 15+ hours a day, when I ran out of my own money I would turn to the payday lenders.

 

I have a pretty decent wage (47k+) which was used to pay off any pay-day debts,

 

Or I would pay off one lender by taking out a loan from another, In the end I took out a personal loan to clear off the payday lenders and sold my old car.

 

I don't think I ever once missed a payment, but did move the date a few times with QQ until I could find a new way of paying them off.

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Patience... We are all volunteers here...

We are happy to help but cant be at the beck and call all of the time :)

 

Yes we do believe you have a case, but we need ALL the details you can get so we can make a decision on your next course of action.

Be aware that the rules changed about HCSTC back in 2015 so.... You could be looking at some very nice payouts and possibly some regulatory action depending on how far back you go...

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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Hi,

 

Sorry :)

 

my payday loans for gambling are from 2014-2017 so pretty much covers them all, Not all are directly for gambling, but have only been taking out due to gambling, a good 80% of the payday loans have been taken out to then gamble with.

 

Over the next week I will try to get hold of the other lenders by phone and ask them to send me a full statement report of my borrowing from my first loan to the last, along with loan reference numbers etc.

 

Its more a case of I just want any that have been lent wrongly to be removed from my credit file as that has hampered me big time, Even though I know this probably won't happen.

 

Thank you so much for your time, I will be donating whatever the outcome of this, I have seen you take your time out to help a lot of people (from searches) and the guide you made is very handy

 

regards

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Today I have complied a list of a few of the PDL companies that I have had loans off in the past from records that I can get online,

 

I have emailed the rest asking for a full statement of accounts.

 

Small problem is working out exactly how much interest I have paid, as for example quick quid says on one particular loan I have paid (FOR EXAMPLE ONLY) £50 interest then I click a link on the same loan and it tells me I have paid £170 interest with dates of when I paid.

 

Is this something I need to worry about working out at this stage, or will a detailed list of loan ref numbers, dates and amounts for each and every loan and PDL company suffice

 

regards

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You need to know every loan etc...

 

Might be worth sending a DSAR request to each lender? :)

Get lots of info. You need to be aware that there is no set payout to these...

As per the guide, many resolutions can vary with payouts and results but your case is particular in when all these loans were takrn

 

It is a slow process but we will get you there.

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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We will need to write you a special letter to be used when complaining to them.

be aware that sending a DSAR request is not a complaint, its a legal request to see all info they hold on you.

 

You can also ask for FULL statements from them for free but id like to see what they hold on you.

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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Hello,

 

Thank you for the reply

Does a DSAR request have to be done via postal letter or can this be done via email?

Regards

 

Edit : will a DSAR include all my loans. Dates. Payments and actual interest paid per loan?

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Going well so far, most seem to be complying in sending me my statement of accounts, or I can find them on the PDL log-in areas.

 

Only one so far I am having problems with are Paydayexpress , I asked for a statement of accounts and got this back :

 

"Many thanks for your email, we apologise for the delay.

 

This account currently has no sums due or payable. Therefore, we have no current obligation to provide a statement of account under Section 77 of the Consumer Credit Act as per Subsection (3) of Section 77 which states that the requirement under Subsection (1) does not apply to – (a) an agreement under which no sum is, or will or may become payable by the debtor….”

 

If you have any further queries please do not hesitate to contact the office on the number below

Our office is open 8am to 7pm, Monday to Friday, and 9am to 4pm on Saturdays.**

Kind Regards

Customer Care Team

Payday Express

PO Box 255

Bicester

Oxfordshire

OX26 4ZY

T: 0800 652 4661^

F: 0203 236 0211 "

 

 

 

Now, how do I respond to this?

 

I have only ever had two possibly three small amounts from paydayexpress before, with very minimal interest, I'm talking tens more than hundreds, Is this worth pursuing in getting my statements

 

regards

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Just a quick update here on how I am progressing :

 

Please see the spreadsheet below, I do have all the loan ref numbers but am removing them as this is a public forum.

 

Anything else anyone can suggest I do?

 

 

PEACHY AMOUNT DATE INTEREST REPAID Interest per day %

 

PEACHY £300.00 28/07/2014 £54.00

PEACHY £450.00 15/08/2014 £76.50

PEACHY £400.00 09/01/2015 £44.80

PEACHY £400.00 30/01/2015 £51.20

PEACHY £400.00 08/08/2015 £126.92

PEACHY £500.00 07/10/2015 £32.00

PEACHY £500.00 16/10/2015 £56.00

£2950.00 Total interest paid £441.42

 

QUICKQUID principle amount date repaid date Interest repaid

QUICKQUID 400 25/07/2013 27/07/2013 £6.67

QUICKQUID 50 + 400 11/04/2015 15/06/2015 £168.00

QUICKQUID £700.00 18/06/2015 08/07/2015 £151.20

QUICKQUID £750.00 27/07/2015 01/08/2015 £138.00

QUICKQUID £350.00 04/08/2015 08/08/2015 £11.20

QUICKQUID £100.00 12/09/2015 23/09/2015 £12.40

QUICKQUID £700 + £400 26/09/2015 31/10/2015 £301.00

QUICKQUID £500.00 29/12/2015 29/12/2015 £0.00

QUICKQUID £1000.00 04/01/2016 06/01/2016 £16.00

QUICKQUID £1000.00 21/01/2016 15/04/2016 £680.00

QUICKQUID £1250.00 21/04/2016 15/07/2016 £346.00

QUICKQUID £150.00 03/10/2016 14/10/2016 £13.20

QUICKQUID £150.00 07/08/2016 15/09/2016 £46.80

QUICKQUID £300+£100 26/10/2016 13/01/2017 £196.00

QUICKQUID £100.00 06/02/2017 BALANCE £192.00

Total interest: £2086.47

 

SUNNY Amount Date taking out repaid date Number of days between Interest per day Amount interest paid

SUNNY £275.00 03/06/2014 18/02/2015 260 0.8% £572.00

SUNNY £250.00 21/08/2015 12/09/2015 22 0.35% £19.14

SUNNY £500.00 08/01/2016 09/01/2016 1 0.35% £1.75

SUNNY £500.00 11/01/2016 14/01/2016 3 0.35% £5.25

SUNNY £500.00 20/01/2016 14/02/2016 25 0.35% £43.75

SUNNY £200.00 08/05/2016 12/05/2016 3 0.35% £2.10

SUNNY £200.00 29/05/2016 14/07/2016 46 0.35% £32.20

TOTAL INTEREST £676.19

 

LENDING STREAM Amount Date taking out date repaid Number of days between Interest rate per day Amount interest paid

LendingStream £500.00 July 4, 2016 July 5, 2016, 1 0.8% £4.00

LendingStream £200.00 Jan. 15, 2017 Jan. 18, 2017, 3 0.8% £4.80

LendingStream £70.00 July 1, 2014 July 15, 2014, 14 0.8% £7.84

LendingStream £520.00 Oct. 10, 2015 Oct. 31, 2015, 21 0.8% £87.00

LendingStream £70.00 Dec. 1, 2016 Jan. 13, 2017, 43 0.8% £24.08

LendingStream £250.00 April 29, 2016 May 12, 2016, 13 0.8% £26.00

LendingStream £400.00 Nov. 30, 2015 Dec. 29, 2015, 29 0.8% £92.80

LendingStream £130.00 July 3, 2014 July 15, 2014, 12 0.8% £12.48

LendingStream £250.00 June 2, 2016 June 19, 2016, 17 0.8% £34.00

LendingStream £100.00 July 8, 2016 Aug. 15, 2016, 38 0.8% £30.40

LendingStream £150.00 Aug. 28, 2016 Oct. 14, 2016, 17 0.8% £20.40

LendingStream £750.00 April 29, 2014 Sept. 3, 2014, 127 0.8% £762.00

LendingStream £50.00 July 11, 2014 July 15, 2014, 4 0.8% £1.60

LendingStream £630.00 Jan. 7, 2016 Jan. 10, 2016, 3 0.8% £15.08

TOTAL INTEREST £1122.48

 

PiggyBank AMOUNT DATE TAKEN REPAID DATE Interest repaid

PiggyBank £260.00 12/10/2015 15/10/2015 £6.24

PiggyBank £400.00 17/10/2015 31/10/2015 £44.80

PiggyBank £500.00 11/01/2016 14/01/2016 £12.00

PiggyBank £500.00 21/01/2016 30/01/2016 £36.00

PiggyBank £600.00 01/02/2016 14/02/2016 £62.40

PiggyBank £100.00 19/02/2016 14/03/2016 £19.20

PiggyBank £350.00 22/03/2016 21/4/16 £81.30

PiggyBank £180.00 21/07/2016 10/08/2016 £28.80

PiggyBank £460.00 11/10/2016 14/10/2016 £11.04

 

TOTAL INTEREST £301.78

 

 

MYJAR AMOUNT DATE TAKEN date repaid Interest repaid

MyJar £100.00 10/10/2015 15/10/2015 £4.00

MyJar £125.00 16/10/2015 19/10/2015 £3.00

MyJar £150.00 22/10/2015 31/10/15 £10.80

MyJar £100.00 09/11/20165 13/11/2015 £3.20

MyJar £500.00 09/01/2016 10/01/2016 £0.00

TOTAL INTEREST £21.00

 

UncleBuck AMOUNT DATE TAKEN date repaid Interest repaid

UncleBuck £75.00 28/07/2014 15/08/2014 £26.21

UncleBuck £400.00 20/08/2014 02/09/2014 £139.80

UncleBuck £250.00 09/06/2016 15/08/2016 £142.54

TOTAL INTEREST £308.55

 

PixieLoans £150.00 30/10/2015 31/10/2015 £1.20

PixieLoans £350.00 14/10/2015 15/10/2015 £2.80

 

MR Lender £500.00 26/08/2015 02/09/2015 £63.00

 

 

PAYDAYEXPRESS WONT SUPPLY INFO WONT SUPPLY INFO WONT SUPPLY INFO WONT SUPPLY INFO WONT SUPPLY INFO

 

PAYDAYUK WONT SUPPLY INFO WONT SUPPLY INFO WONT SUPPLY INFO WONT SUPPLY INFO WONT SUPPLY INFO

 

SATSUMA WAITING ON REPLY WAITING ON REPLY WAITING ON REPLY WAITING ON REPLY WAITING ON REPLY

 

Wagedayadvance WAITING ON REPLY WAITING ON REPLY WAITING ON REPLY WAITING ON REPLY WAITING ON REPLY

 

WIZZCASH WAITING ON REPLY WAITING ON REPLY WAITING ON REPLY WAITING ON REPLY WAITING ON REPLY

 

118118 WAITING ON REPLY WAITING ON REPLY WAITING ON REPLY WAITING ON REPLY WAITING ON REPLY

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