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    • Thank-you dx, What you have written is certainly helpful to my understanding. The only thing I would say, what I found to be most worrying and led me to start this discussion is, I believe the judge did not merely admonish the defendant in the case in question, but used that point to dismiss the case in the claimants favour. To me, and I don't have your experience or knowledge, that is somewhat troubling. Again, the caveat being that we don't know exactly what went on but I think we can infer the reason for the judgement. Thank-you for your feedback. EDIT: I guess that the case I refer to is only one case and it may never happen again and the strategy not to appeal is still the best strategy even in this event, but I really did find the outcome of that case, not only extremely annoying but also worrying. Let's hope other judges are not quite so narrow minded and don't get fixated on one particular issue as FTMDave alluded to.
    • Indians, traditionally known as avid savers, are now stashing away less money and borrowing more.View the full article
    • 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.   
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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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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Payday Loan Reclaim Help


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Hi Everyone,

 

I wouldn’t mind some help or tips in how to deal with reclaiming some money back on a payday loan mess that I got into a few years back. All of the loans were before the amendments to the short term loans credit rules in 2015, can I still claim they were irresponsible?

 

I’ve read the really helpful guides on here and put together my complaint to the lenders and issued them recently.

 

There’s a summary below of the amounts I’ve borrowed over the years:

 

Wonga - 9,984.00

Quickquid - 11,500.00

Payday UK - 10,960.00

Payday Express - 1,065

Lending Stream - 280.00

Capital Finance One - 660.00

Pounds to Pocket - 1,500.00

Mr Lender - 200.00

Wage Day Advance- 500.00

 

 

 

Total £36,649

 

In short like so many people on here I got into a spiral of debt with payday lenders and ended up basically paying them off every month through my salary only to borrow again as soon as they were paid off. I also used some to pay others off, rolled the debts over and deferred payments regularly.

 

I’ve complained to Wonga, Payday UK, QuickQuid, Capital Finance One, Pounds to Pocket & Lending Stream. I still need to submit a complaint to Payday Express and Mr Lender.

 

A few queries I have at this stage are some of the loans go back to 2009, can I still claim back the charges and interest on these?

 

What about if this was a continuous account that went from 2009 – 2013? It seems that the Payday UK was treated as one account with a continuous amendment to the balance and transactions rather than separate loans each time.

 

I’m hoping to get at least a partial refund or cleared balance on most of the companies but would really like the loans and defaults removing from my credit file, any tips on how best to achieve this?

 

One or two of the accounts were sold to DCA’s – Motormile is one that appears on my CRA files, how can I get aim to get this default removed do I need to pursue the original lender or Motormile?

 

Any help that anyone can offer would be greatly received.

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Id like to help but dont have time this evening - Please can you read the below and then come back with any questions?

 

Youll need to download it on a computer and read through it in full.

 

http://www.consumeractiongroup.co.uk/forum/attachment.php?attachmentid=65832&d=1480636213

 

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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Id like to help but dont have time this evening - Please can you read the below and then come back with any questions?

 

Youll need to download it on a computer and read through it in full.

 

 

Hi Fkofilee,

 

Thanks for your response; I appreciate any and all help you can offer and totally understand that you may be too busy to respond daily; please take your time.

 

I’ve read the guide you have put together, it’s a great help and was the main reason I decided to try and put a claim together.

 

I’ve requested the SOA’s from all the lenders, or pieced them together from bank statements or the online accounts that I had with the lenders at the time.

 

I’ve based the complaints on irresponsible lending based on them not checking that I could afford the loans, rolling over the loans and borrowing ever increasing amounts every month from them and them not checking CRA files to check if I had other loans.

 

I’ve put together the summary of the accounts and prepared letters of complaint based around your template letter, which I’ve amended to my personal circumstances. Then I’ve sent this to the majority of the lenders via email. Some have responded confirming receipt and that they accept the 56 day period for investigation. Wonga have not responded as yet.

 

As I said in my first post whilst it would be good to claim some refunds back I’m also very eager to try and get some of the defaults removed from my CRA files. I’m looking to try and get a mortgage in the next 12-18 months so need to get them removed to stand any chance.

 

Quickquid have requested further information such as bank statements and payslips from the time, Should I send this information? Will this help?

 

Over the years I’ve been refunded some of the fees and charges from Wonga and CFO when they were investigated by the FCA? I’ve taken this in to account and highlighted a lower figure for refund from Wonga. Is this the right thing to do?

 

With CFO I’ve just asked them to clear my balance (circa £180) and remove the defaults from my file. Do you think this approach will work?

 

I’ve summarised below what I’ve requested from each lender:

 

Wonga – Refund of interest and fees and removal of all defaults

Quickquid - Refund of interest and fees and removal of all defaults

Payday UK - Refund of interest and fees and removal of all defaults

Payday Express – Not submitted complaint yet, PD Express won’t give me a SOA, I made need to DSAR them.

Lending Stream – Clear O/S balance and remove defaults

Capital Finance One - Clear O/S balance and remove defaults

Pounds to Pocket – Remove defaults

Mr Lender - 200.00 Remove defaults

Wage Day Advance- 500.00 Remove defaults

 

Lending Stream have said they can’t deal with the account as it has been sold to Motormile Finance. Who should I approach to action this one?

 

I have access to all my CRA files if I need any detail from there.

 

Thanks for your help

 

Ponka

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Its the weekend and i now do have time so lets see

 

Quickquid have requested further information such as bank statements and payslips from the time, Should I send this information? Will this help?

 

Yes

 

Over the years I’ve been refunded some of the fees and charges from Wonga and CFO when they were investigated by the FCA? I’ve taken this in to account and highlighted a lower figure for refund from Wonga. Is this the right thing to do?

 

Not necessarily however I would say see what they come back with.

 

With CFO I’ve just asked them to clear my balance (circa £180) and remove the defaults from my file. Do you think this approach will work?

 

Possibly but to really gauge it, i may need to know dates of loans etc...

 

Lending Stream have said they can’t deal with the account as it has been sold to Motormile Finance. Who should I approach to action this one?

 

Lending Stream - However be weary of Motormouth Finance... They do legal sometimes.

 

I have access to all my CRA files if I need any detail from there.

 

Screenshot / PDF them all now, and monitor overtime

 

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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