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    • Thank you for that "read me", It's a lot to digest, lots of legal procedure. There was one thing that I was going to mention to you,  but in one of the conversations in that thread it was mentioned that there may be spies on the Forum,  this is something that I've read quite some time ago in a previous thread. What I had in mind was to wait for the thirty days after their reply to my CCA request and then send the unenforceable letter. I was hoping that an absence of signature could be the Silver Bullet but it seems that there are lot of layers to peel on this Onion.  
    • 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?
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      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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Were you caught in a Pay Day Loan Trap ? - You may be able to make a claim


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Were you caught in a Pay Day Loan Trap ? - You may be able to make a claim

 

 

Pay Day loans offered access to quick and easy cash on a short-term high-cost basis

 

Their main selling point, which was highly attractive, was they guaranteed money quickly making it ideal for emergency situations

 

Prior to 2nd January 2015, payday loan companies did not have to cap their interest rates with some charging as much as 7000% interest

 

Payday lenders as do all other lenders, have a duty of care towards their customers meaning they must carry out effective checks to confirm that the loan they are offering is affordable

 

This means checking borrowers’ financial background and clearly explaining any fees or charges that will incur

 

Many payday loan companies were not effectively carrying out these checks meaning some of their customers were building up huge amounts of unmanageable debt

 

 

The Financial Conduct Authority (FCA) kept their promise to investigate Pay Day Lending. They have introduced new regulations in respect of Lending Criteria and have placed a Cap on the interest that PDLs are allowed to charge. They have also forced Lenders to look at the loans they have already provided and to make refunds where borrowers were Treated Unfairly, provided loans and rollover loans when it was obvious the borrower was not in a position to repay.

 

The Companies were supposed to make contact with the borrower, whether they were still repaying - defaulted or had repaid their loans. It is suspected that not everyone will have been contacted. So, do you Qualify for a refund or compensation ?

 

You may be able to claim if...

 

Your payday lender did not make any fees or charges you would incur clear to you

 

You had to repeatedly roll-over a loan. This shows that you could not afford to take out the initial loan in the first place as you couldn’t make the payments

 

Did you have to borrow from another payday lender in order to pay off your initial loan

 

The loan was a large portion of your income meaning you couldn’t pay it in time as you would not have been able to buy food, pay your mortgage or bills etc

 

It has to be clear that your payday lender did not carry out the proper checks before lending - You could check with the Credit Reference Agencies - if the Company ran a check on your financial situation, there should be a search recorded

 

The strongest claims emphasise that your payday lender gave you a loan that was not affordable

 

 

How to make a payday loan claim

 

First, gather all the information you can about your payday loan

 

Be sure to include: the date it was taken out, interest and charges that were added, if you rolled over the loan, details of any missed payments, the date you paid it in full or the amount still to pay and finally confirm if the lender ran any credit checks prior to approving your loan

 

It’s best to get this information from your payday loan provider as you will be sure it is correct - Alternatively, you can send a Subject Access Request. The Lender has 40 calendar days in which to provide this information. You will need to enclose the fee of £10.00 with the request and it is advised you obtain at the very least, a free proof of posting when mailing. You should send your request to the Company's Head/Registered office.

 

Next, contact your lender to register a complaint on the grounds that the loan you were given was not affordable and request a refund for the charges and fees that were added

 

Support your claim with any personal information about your situation. For example if you needed to take out a loan from another payday company to pay yours back or if you were in arrears with your bank at the time of lending

 

Finally if your lender does not offer you any compensation or they do not reply within 8 weeks, take your complaint to the Financial Ombudsman. See their How to Complain guide for further help on how they can help get your payday loan refund

 

 

 

You might also be able to make a claim for compensation if you were Treated Unfairly.

 

Most Pay Day Lenders use a repayment method called Continuous Payment Authority. This effectively takes control of the repayment out of the hands of the borrower. If you failed to make a payment on time, they would simply keep asking your bank for their payment - this would sometimes leave the borrower with huge charges from their bank or leave them financially embarrassed on other payments, perhaps for their Council Tax, Mortgage/Rent, Utilities, etc.

 

The Company should give at least 3 days notice that it is going to take money from your account. If they didn't do this, then you should be able to complain.

 

So you should be able to make a claim for this.

 

 

In March 2015, the FCA acknowledged that Lenders were still misleading their customers -

 

http://www.theguardian.com/uk-news/2015/mar/10/payday-lenders-mislead-threaten-customers-fca-report

 

 

"Misleading and occasionally threatening” correspondence from lenders, some of which was sent to vulnerable customers. One firm sent customers text messages threatening visits to their home or workplace.

 

At every firm reviewed the FCA identified failings in systems and processes that had resulted in errors such as account balances being miscalculated, fees or charges that the lender was not entitled to charge being added to customers’ accounts, customers being pursued for wrong amounts, and payments being taken at the wrong times.

 

Backlogs of correspondence, including from vulnerable customers who had fallen behind with their payments. This included medical evidence and letters from debt advisers providing crucial information about why some customers had not paid what they owed.

 

The FCA said that where non-compliance was uncovered, it had intervened quickly to ensure firms took specific steps to ensure the failings were not repeated in future. “In some cases, investigations are on-going, and the regulator is working with firms to determine appropriate levels of redress for those affected,”

 

Many thanks to tawnyowl for his huge input to this thread.

 

 

In view of any success gained from following the advice provided above...and you consider our advice was useful in attaining that successful outcome ....please consider making a donation to assist CAG to continue to help others....every donation made helps CAG to continue to help others.

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Uploading documents to CAG ** Instructions **

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Dealing with Customer Service Departments? - read the CAG Guide first

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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Please start your own thread and let us know how you progress with your claim.

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

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

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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http://www.consumeractiongroup.co.uk/forum/showthread.php?455693-Pay-Day-Loan-Companies-Contact-Information

 

If you wish to make a complaint - you will find contact information on the thread linked above.

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

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

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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