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    • You left the PCN number showing, but no worries, I've redacted it. Euro Car parks are very well known to us.  I've just skimmed through the titles of the latest 100 cases we have with them (I gave up after 100) and, despite all their bluster and threats, in not one have they taken the Cagger to court. You stayed there for 2 hours &:45 minutes.  I'm guessing the limit is 2 hours and 30 minutes, right?  
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    • Not Evris offer, the court offers mediation service.   All claims proceed to hearing if mediation fails /not happen.   Why do you not wish to attend in person to stand your claim ?     Absolutely you must comply with the courts directions or your claim risks being struck out. Preparation for a hearing should happen irrespective of mediation.   https://www.consumeractiongroup.co.uk/topic/460613-suing-a-parcel-delivery-company-when-you-dont-have-a-direct-contract-with-them-–-third-party-rights-copy-of-judgment-available/#comment-5255007   Andy  
    • LPA.  (I'm fighting insolvency due to all the stuff that he and lender have done).  He appointed estate agents - (changed several times). Disclosure shows he was originally appointed for a specific reason (3m after repo) : using his powers as acting for leaseholder to serve notice on freeholders (to grab fh).  There was interest from 3 potential buyers. He chose one whose offer depended on a positive result of the notice.  Disc also shows he'd taken counsel advice - which was 'he'd fail'.  He'd simultaneously asked to resign as his job (of serving notice) was done and he'd found a buyer.  Lender asked him to stay on to assign notice to the buyer.  Notice failed, buyer didn't buy.  So receiver stayed.  There was 1 buyer who wanted to proceed w/o fh but receiver/ lender wasted 1y trying to get rid of them!  Disc shows why. But I didn't know why at the time. In later months Lender voiced getting rid of receiver. Various reasons - including cost.  But there's a contradiction/ irony: as I've seen an email (of 4y ago) which shows the receiver telling lender not to incur significant costs and to minimize receiver costs.    Yet lender then asked him to serve another notice - again counsel advice indicated 'he'd fail'.  And he did fail.  But wasted 3y trying and incurred huge legal costs - lender trying to pass on to me. Lender interfered - said wanted to do works.  Receiver should have said no.  But disc. shows he agreed to step aside to let them do the works - on proviso lender would discuss potential costs first (they didn't), works wouldn't take long (took 15m), and lender would hold interest (they didn't) (this last point is crucial for me now - as I need to know if I can argue that all interest beyond this point shouldnt be allowed?)   I need to check receiver witness statement in litigation with freeholders to see exactly what he said about 'his position'. But I remember it being along the lines of - 'if the works increased the value of the property he didn't have a problem'.  Lender/ receiver real problems started at this point. The cost of works and 4y passage of time has meant there is no real increase in value. Lender (or receiver) didn't get any permissions (statutory or fh) (and didn't tell me) and just bulldozed the property to an empty shell.  The freeholders served notice on me as leaseholder for breach of covenants (strict no alterations).  The Lender stepped in (acting for me) to issue notice for relief of forfeiture - not the receiver.  That wasted 2y of litigation (3y if inc the works) and incurred huge costs (both sides).  Lender's aim was to do the works that every potential buyer balked at due to the lease restrictions.  Lender and receiver knew couldn't do works w/o fh permission. Lender did them anyway; receiver allowed.  Receiver remained appointed.  I'm arguing lender interfered in receiver duties.  Receiver should have just sold property 4-5y ago w/o allowing any works.  Almost 3y since works finished the property remains unsold (>5y from repo). The property looks brand new - but it was great before.  The lender spent a ton of money - hoping that would facilitate a quick sale.  But the money they spent and the years they have wasted has meant they had to increase sale price.  It's now completely overpriced.  And - of course - the same issues that put buyers off (before works) still exist.   The receiver has tried for 2y to assert the works increased value. But he is relying on agents estimates - which have proved highly speculative. (Usual trick of an agent to give a high value to get the business - and then tell seller to reduce when no-one buys.). And of course lender continues to accrue interest (despite 4y ago receiver saying pause interest). Lender tried to persuade receiver to use specific agent. Disc shows this agent was best friends with the lender's main investor in the property.  Before works this agent had valued it low.  After works this agent suggested a value 70% higher!  The lender persuaded receiver to sack one agent and instead use this agent.  No offers. (Price way too high).   Research has uncovered that this main investor has since died.  I guess his investment is part of probate? And his family want it back?    Disc shows the sacked agent had actually received a high offer 1y ago.  Receiver rejected it.  (thus I don't know if the buyer would have ever proceeded). He was relying on the high speculative valuation the agents had given him to pitch for the business. The agents were in a catch-22.  The receiver sacked them. Disc shows there has been 0 interest ever since (inc via new agent requested by lender). I don't think lender or receiver want all this to come out in public domain via a trial.  It will ruin their reputations. If I can't get an order for sale with lender - can I apply separately against receiver?
    • Ok many thanks. Just wanted to check that nothing else for us to do / send for the moment. Will update again once we receive a copy of their N181 and proposed directions for review. Our post is a bit hit and miss at the moment. Appreciate the help through this process.
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Help with getting a reduced repayment plan accepted by Payday Loan companies


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I took out a PTP loan, which is due to be repaid on Monday.

 

I have the money in my account for this to be repaid (god knows how!) however i have checked the DD they set up and its a different amount from the loan that is due, infact its only half the amount due.

 

I contacted them on their live help and checked the amount and they amount they stated was due was the full loan amount and thats what goign to be taken so why is the DD for half that amount?

 

I have just cancelled the DD as i don't want them dipping into my account as and when they feel like it, although there is a chance this DD will still go through because it is so close to the date due

 

What should i do?

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I took out a PTP loan, which is due to be repaid on Monday.

 

I have the money in my account for this to be repaid (god knows how!) however i have checked the DD they set up and its a different amount from the loan that is due, infact its only half the amount due.

 

I contacted them on their live help and checked the amount and they amount they stated was due was the full loan amount and thats what goign to be taken so why is the DD for half that amount?

 

I have just cancelled the DD as i don't want them dipping into my account as and when they feel like it, although there is a chance this DD will still go through because it is so close to the date due

 

What should i do?

 

they take 2 dd's

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  • 1 year later...

Due to circumstances beyound my control I am going to defaut on my payday loans to the following companies.

 

I am about to email them and ask for a repayment plan.

 

Quick Quid - £944 (Loan was £800 - am offering £100 per month)

Wageday Advance £375 (Loan was £300 Am offering £75 per month)

Captial Finance One £278 (loan was £200 Am offering £50)

 

Does anybody have the bank details for these companies as I would like to set up a Standing Order with each company.

 

I have cancelled my bank card and cancelled all DD's - is there anything else I should do??

 

Many thanks

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QQ wont accept if it is more than 3 months. WDA and CFO will most probably both accept these offers... they will also give you their bank details when you make the offers. Email or call them and offer them this repayment structure, they should accept stick to your guns if not because your offer is more than fair and they know it. once confirmed get an email from them confirming your balance, that interest is frozen and the bank details for repayment. well done. by the way QQ will send to collection agency in 6 weeks or so and they will accept the £100.00 only thing is they'll add interest and charges but you dont have to accept them, its just a headache really.

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You are right about QQ, they offered me the 3 month option but i couldn't afford it, so i have to wait until I have defaulted and then contact collections. They also refused to give me their banking details, so i can't make any payments to them at present.

 

i have emailed WDA and CFO and proposed my replayment plan, so am just waiting for a response....

 

All the accounts go into default on the last working day of the month :(

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Don't forget to have an alternative bank account for your income just in case of raids, if anyone does raid the account complain to the OFT, they may not initially help but the complaints may cause problems when they come to renew their licences.....

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I have already cancelled my card and deleted all the DD's so will keep a very close eye on my account to make sure no little "surprises" pop up!!

 

WDA have agreed a replayment plan with me - £68 per month for 6 months - which i am more than happy with

 

I have to contact QQ after i have actually defaulted - does anybody have banking details for QQ

 

No news from CFO as of yet.....

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Surely it would be best to pay them what i intend to pay them, so it shows willing and will show a court that i have made every effort to repay this debt??

 

I want to avoid a huge amount of charges or interest being added to the loan. What can i do to avoid this???

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Thank you very much for the advice - i will sit tight and wait to see what happens then. Until they agree a payment plan I'll use the money they would have got to clear one of the others off.

 

Any ideas on what Captial Finance One are like to deal with? They haven't responded to me email so far.....

 

Thanks once again for the help.

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Thank you very much for the advice - i will sit tight and wait to see what happens then. Until they agree a payment plan I'll use the money they would have got to clear one of the others off.

 

Any ideas on what Captial Finance One are like to deal with? They haven't responded to me email so far.....

 

Thanks once again for the help.

 

CFO have been known to pass to Phillips (bailiffs but acting in the role as DCA so wont be at your door!). When you CCA them you rarely here anything again. Certainly one of the less aggressive when it comes to collection. Different story if they have your bank card details. They are generally reasonable when agreeing a repayment plan, just make sure it is paid by standing order. Just stand firm and they will agree something with you in the end - just make sure it is reasonable.

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ok, so CFO will agree to a plan, your offer is fair and reasonable and no reason for them to decline. if they try and negotiate you'll have some power with the extra money you have from not paying QQ yet. i would call them and see if they recieved your email and see what they say then. REMEMBER: do not give out any card details no matter what they say.

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  • 3 weeks later...

Please could anybody offer me some advice on how to get this mess sorted out.

 

I have several PDL and the majority of them have accepted a reduced repayment plan. I have cancelled all the DD's from the PDL and cancelled my card to my account, so none of the companies can access my bank account. i also check my bank account several times a day to make sure they have not re instated any of their DD's

 

3 PDL's haven't responded - Quick Quid, Lending Stream and Captial Finance One. I have emailed these 3 continuallly and this morning i received a call from Captial Finance One.

 

The CFO loan was £200 and I paid £79 to roll this over last month and was due to repay the amount of £278 and I have emailed CFO 4 times over the past week, offering a repayment plan of £46.50 over a 6 month period

 

To summarise the conversation the person from CFO stated that unless I agreed to pay £80 immediately and agree to pay an extra £230 in interest and charges, taking the amount repayable to £430 then a payment plan could not be agreed.

 

I refused as i didn't have £80 to pay immediately and didn't think repaying £430 on a £200 was fair so i was told that a CCJ would be issued - which i said you can only get CCJ if you go to court and i doubt a Judge would thinkntheir terms and coinditions fair and i would welcome his comments about their practice. The CFO rep then slammed the phone down!!!

 

Since then I have received 2 calls on my home line (but when i answer there is just background office noise) I pressed 1471 and the number was CFO's number, 3 calls on my mobile and 2 texe message - all in the space of an hour!!

 

I don't think this comany is goign to very easy to deal with - does anybody have any experience of them and what should i do next - how can i get a reasonable repayment plan activated without paying their huge interest and charges??

 

Many thanks for all advice and help given, it is very much appriecated

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If CFO do issue court proceedings I can help write a defence which will help. We can ask for mediation and I bet they wouldn't like their charges assessed by a judge (another PDL company has already declined to do this and caved in with similar defence).

 

Keep everything in writing and if possible get printouts of when they have called. If they do call email them with the details of the call and that you will be recording future calls - despite you asking them NOT to call.

 

Do the same for each company, keep everything in email then you can use it in evidence (including this thread).

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I have had several email go back and forth between CFO and myself. They state i have a balance of £440 on a £200 loan.....

 

I have asked them to explain why they believe the balance to be £440, but I am still waiting for an answer.....

 

I think they will argue that that £200 is the initial loan £78 is interest charge and the remaining £162 are charges.

 

How do i get these charges removed - is it best to refuse to pay them anything unless they remove the charges and if the refuse wait for them to take it to court and argue the charges there????

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From my own experience I would set up the payment plan, then once you have paid what you owe, if they still want to argue about the charges then let them, they will not take you to court for charges alone. I fought them in court and lost, but they didn't even argue the charges and agreed they should not be added to the total cost.

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Did you get a CCJ S4ddys ?? What was the outcome at court?

www.bellyup4blues.com Just Go There !!!

 

Woolwich Prelim Sent 5.12.2006 !!!

S.A.R - (Subject Access Request) sent 22.12.2006 (yeah I know)

16.1.2007 £1000 offer rejected

LBA sent 31.1.2007

N1 presented to Court 15.2.2007

Won / Settled 2 days before court date

£5200 plus int charges returned.

 

All and Leics S.A.R - (Subject Access Request) sent 22.12.2006

2nd S.A.R - (Subject Access Request) sent 15.1.2007

Statements received

Prelim sent 31.1.2007

LBA Sent 15.2.2007

Won £1500 on receiving court date..

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