Jump to content


  • Tweets

  • Posts

    • Nick Wallis has written up the first day of Angela van den Bogerd's evidence to the inquiry. I thought she was awful. She's decided to go with being not bright enough to spot what was happening over Fujitsu altering entries on the Horizon system, rather than covering up important facts. She's there today as well. The First Lady of Flat Earth – Post Office Scandal WWW.POSTOFFICESCANDAL.UK Angela van den Bogerd, on oath once more It is possible that Angela van den Bogerd and her senior colleagues (Rodric Williams, Mark Davies, Susan...  
    • 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.
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

Outstanding Loans Payday Express/UK and Wageday Advance


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3587 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi,

 

I currently have outstanding loans with all 3 companies, and am in a position to finally pay them. I think I have previously given each company the right to attempt to take the outstanding amount out of my current bank account, but have not had the funds available, which I now will have in a few days or so. I was just wondering what I should be looking to repay (I have had these loans for about a year now so expect the interest to be high), I was just wondering what are the next steps that I should take before paying off the loans.

 

Any help will be appreciated.

Link to post
Share on other sites

Hi. Sorry you were missed.

 

DO NOT give them any banking details. You want theirs as if you give them yours, they may try and take more than you owe.

 

As it is, I would write to them and offer a substantially less amount than what they want. I suggest the loan amount plus 1 months interest. See what they say.

 

If they refuse, you can challenge the charges and related interest added to the account. Remind them that they are under the FCA spotlight and it is their own interest to deal with you fairly.

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

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

Link to post
Share on other sites

PRA(Mackenzie Hall) rung today talking about a loan they had bought from QuickQuid, the amount was £854.55, but after some arguing they said they could settle for a lump sum of £700, the original loan was £750 and I think I made one payment of £100, I said I could pay this by next Wednesday. They said they would send out a letter confirming the revised amount. Seem to good to be true?

Link to post
Share on other sites

Muck hall will be jumping with joy if they get £700. If they have bought this debt, they will have paid pennies in the pound for it.

 

If you are content with the offer, OK.

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

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

Link to post
Share on other sites

Start with 15% not including any silly charges theyve added. Put your foot down and start negotiating. Mucky hall will be glad to get anything but they will push their luck.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

So the loan with QuickQuid was originally £750 and the finance charge was £187.50 totalling £937.50 and Mackenzie Hall think that I made a £200 payment which would leave £737.50. You are saying that I should offer to pay 15% which is £110.63, what do you think that I should go up to? Thanks for your help

Link to post
Share on other sites

Thats up to you. But if theyve paid peanuts for the debt ( which they most likely have) then start lower. If you can prove you cant afford to pay off the debt soon-ish, then theyll be more likely to accept a F&F.

 

HOWEVER. If you decide to do this, then the F&F needs to be specifically worded so they cannot try and sell any remainder on or chase it up in the future.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

Ok, I told them my brother was going to lend me some money, I'll just say that he's unable to lend me it now. What is an F&F? Once again thanks for all of your help, it's has been a massive relief knowing that I do not have to pay back the extortionate prices that they are demanding. Also went to the bank today and cancelled the CPA's from Mackenzie Hall, PRA, Payday UK, Payday Express, DMR capital and Wage Day advance, are there other names that these trade under and I should look to cancel?

Link to post
Share on other sites

F&F means full and final. But as i said, if you choose that route, it must be specifically worded and it is advisable you provide proof you cannot pay anymore.

 

If it was me, i would make an offer for a repayment plan for now, then re-evaluate your circumstances in say, 3 months time. Then if you genuinely cannot meet the repayments, or it will take a long time to pay, offer them the F&F and show them a simple budget summary.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

That is entirely up to you. You pay whatever you can afford. If it is a full repayment in one go, then you pay the original loan, and original contracted interest. If they want anything else, then they have to prove the amount is fair and actually legit. Things like their default/late payment charges are UE and can be challenged.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

But people are saying I should only look to be paying back 15% when I agreed £700, surely it seems as if I'm being ripped off, then again if I can afford to pay it, and it is the terms of the original loan I took out.

Link to post
Share on other sites

If it's being dealt with via the PDL and you can afford to pay off what is legitimate, then pay it. If you cannot, then discuss a repayment plan. if you wont be able to meet repayments for a while, then offer a settlement figure.

 

If you have yet to talk to them, my first advice would be to secure your finances, then send them a letter stating that you are in difficulty and want a repayment plan. If they say no, then DEMAND one. Just make sure they stop/remove all UE extra interest and charges.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

  • 2 months later...

If the defaults were recorded correctly then they will stay for the remainder of 6 years. You could have negotiated their removal as part of a F&F payment though.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...