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    • Regarding a driver, that HAS paid for parking but input an incorrect Vehicle Registration Number.   This is an easy mistake to make, especially if a driver has access to more than one vehicle. First of all, upon receiving an NTK/PCN it is important to check that the Notice fully complies with PoFA 2012 Schedule 4 before deciding how to respond of course. The general advice is NOT to appeal to the Private Parking Company as, for example, you may identify yourself as driver and in certain circumstances that could harm your defence at a later stage. However, after following a recent thread on this subject, I have come to the conclusion that, in the case of inputting an incorrect Vehicle Registration Number, which is covered by “de minimis” it may actually HARM your defence at a later stage if you have not appealed to the PPC at the first appeal stage and explained that you DID pay for parking and CAN provide proof of parking, it was just that an incorrect VRN was input in error. Now, we all know that the BPA Code of Practice are guidelines from one bunch of charlatans for another bunch of charlatans to follow, but my thoughts are that there could be problems in court if a judge decides that a motorist has not followed these guidelines and has not made an appeal at the first appeal stage, therefore attempting to resolve the situation before it reaches court. From BPA Code of Practice: Section 17:  Keying Errors B) Major Keying Errors Examples of a major keying error could include: • Motorist entered their spouse’s car registration • Motorist entered something completely unrelated to their registration • Motorist made multiple keying errors (beyond one character being entered incorrectly) • Motorist has only entered a small part of their VRM, for example the first three digits In these instances we would expect that such errors are dealt with appropriately at the first appeal stage, especially if it can be proven that the motorist has paid for the parking event or that the motorist attempted to enter their VRM or were a legitimate user of the car park (eg a hospital patient or a patron of a restaurant). It is appreciated that in issuing a PCN in these instances, the operator will have incurred charges including but not limited to the DVLA fee and other processing costs therefore we believe that it is reasonable to seek to recover some of these costs by making a modest charge to the motorist of no more than £20 for a 14-day period from when the keying error was identified before reverting to the charge amount at the point of appeal. Now, we know that the "modest charge" is unenforceable in law, however, it would be up to the individual if they wanted to pay and make the problem go away or in fact if they wanted to contest the issue in court. If the motorist DOES appeal to the PPC explaining the error and the PPC rejects the appeal and the appeal fails, the motorist can use that in his favour at court.   Defence: "I entered the wrong VRN by mistake Judge, I explained this and I also submitted proof of payment for the relevant parking period in my appeal but the PPC wouldn't accept that"   If the motorist DOES NOT appeal to the PPC in the first instance the judge may well use that as a reason to dismiss the case in the claimant's favour because they may decide that they had the opportunity to resolve the matter at a much earlier stage in the proceedings. It is my humble opinion that a motorist, having paid and having proof of payment but entering the wrong VRN, should make an appeal at the first appeal stage in order to prevent problems at a later stage. In this instance, I think there is nothing to be gained by concealing the identity of the driver, especially if at a later stage, perhaps in court, it is said: “I (the driver) entered the wrong VRN.” Whether you agree or not, it is up to the individual to decide …. but worth thinking about. Any feedback, especially if you can prove to the contrary, gratefully received.
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    • deed?  you mean consent order you and her signed? concluding the case as long as you nor she break it's conditions signed upto? dx  
    • Well tbh that’s good news and something she can find out for herself.  She has no intention of peace.  I’m going to ask the thread stays open a little longer.   It seems she had not learned that I am just not the one!!!!  plus I have received new medical info from my vet today.   To remain within agreement, I need to generally ask for advice re:  If new medical information for the pup became apparent now - post agreement signing, that added proof a second genetic disease (tested for in those initial tests in the first case but relayed incorrectly to me then ), does it give me grounds for asking a court to unseal the deed so I can pursue this new info….. if she persists in being a pain ? If generally speaking, a first case was a cardiac issue that can be argued as both genetic and congenital until a genetic test is done and then a second absolute genetic only disease was then discovered, is that deemed a new case or grounds for unsealing? Make sense ?   This disease is only ever genetic!!!!   Rather more damning and indisputable proof of genetic disease breeding with no screening yk prevent.   The vet report showing this was uploaded in the original N1 pack.   Somehow rekeyed as normal when I was called with the results.   A vet visit today shows they were not normal and every symptom he has had reported in all reports uploaded from day one are related to the disease. 
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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.

      Frankly I don't think that is any accident.

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


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Hi ThereJ

 

 

ust hoping for a little advice please.

 

 

I was with a DMP and all was going well (I have a different thread about this).

 

 

To cut a long story short, they messed me about and I have now managed to set up payment arrangements with 10 of my 11 creditors with very little fuss.

 

 

The one that isn't playing ball is Wonga.

Firstly they didn't respond to e-mails and I kept sending them the same e-mail for 4 weeks.

 

 

Eventually, on 4 April I decided I would write to them and copy in the OFT and their trade association.

I then received a response to my e-mail:

 

 

Dear Thanks for getting in touch.

If a debt management firm is making a repayment proposal on your behalf,

please ask your selected debt management company to send any correspondence to our specialist debt management team.

 

 

Our debt management team will assess the proposal, and require details of your income and a breakdown of your expenditure

The email address is:

xxx the postal address is Wonga.com

Hardship Team PO Box 66147;

London NW1W 8PF.

 

 

We will freeze interest and charges on your account for a period of 38 days from the date of this email.

We will also stop sending any collections related correspondence during this time.

If we have not received an acceptable payment proposal from your debt management company in this time,

then collections activity will re-commence and interest will start to accrue.

 

 

Up to a maximum of 60 days of interest charges may be applied after the agreed repayment date.

 

 

Thanks,

Collections department

 

 

I replied with the following: -

Thanks, a debt management specialist is not dealing with this on my behalf

- my original e-mail of 8 March outlines that I am no longer using XXXX

as they had not been making payments to my creditors on my behalf.

 

 

I sent the completed I&E with a proposal on 20 March which I re-attach.

Thank you for agreeing to freeze charges and interest on the account for 38 days.

I hope an arrangement can be put in place during this time.

Regards

 

 

I received this on 5 April

Hi,

We have used the information you provided to evaluate the circumstances of the customer.

We really do appreciate your current financial difficulties;

however, on the basis of the information you provided,

 

 

We also need a list of creditors and the amounts outstanding with them,

please provide us with your reason for your current financial hardship,

along with any evidence to support that fact.

 

 

We do require the following:

REDUCTION IN SALARY- Salary

Receipt Bill prints or proof of debt ;

P45 if currently unemployed or Proof of Benefits

 

 

.Wonga.com

Hardship Department Sheffield

S95 1AR 0844 842 9110

 

 

What should I do now

- surely they can't ask for this and they are using delaying tactics??

Sorry for the long thread - any advice would be much appreciated.

Cheers

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Dont give them that information!! They are not legally required to see it, only if a court/judge says so. That is your personal information in which they have no right to see.

 

I also am having problems too, loan due at the end of the month but cant pay it so I emailed them. And all im getting is their automated emails to say my query is best dealt with over the phone even though ive told them countless times i will only deal with my account by letter or email.

They send me and I and E form to complete but i wont be in the country at the time. The I and E form is also a form that is not legally required unless a judge/ court asks to see it.

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Reply by saying thanks for their email regarding further documentation in order to successfully set up a repayment plan. However, this documentation is private and confidential in which Wonga have no right to see unless requested to by a judge/ court. Therefore you are unable to provide the documents. Also mention that the I and E form is sufficient, considering this form is also a request from wonga and you are not obliged to fill it, unless requested by a judge/court...But you have filled it and sent it back to them for compliance.

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Who is your dmp? If they are worth anything then they should be on wongas back.

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

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Ok. Lets start from the top. What exactly was the reason they gave for not enterjng into a repayment plan? I have a nice letter cor you to send depending on the answer.

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

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My loan has not reached default yet. It is not due to default until 30th April. The told me to fill in an I and E form 3 days before, but I am not in the country at that time.

Ive informed that Im not legally obligied to fill in the I&E form, unless a court of law, or judge says i have to. Still I have had no response from them.

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Hi Renegade - thanks for your reply. They are messing me about. Didn't respond to any e-mails for a month, I sent a detailed I&E to them, they keep e-mailing stating that 'it seems clear the best way to deal with this is over the phone', ignoring my requests to deal with it in writing. I then wrote to them complaining that I am trying to deal with my finances, etc. and agree a repayment plan but they are making it very difficult. I copied in the OFT and then subsequentl got a response from them asking me to fill in their I&E form. I replied stating that I had already sent them one that was detailed and I asked them to consider the contents of that. They then replied wanting a whole raft of other stuff like who my creditors were and how much I owe each of them, details of my salary, bill prints or evidence of my debts. All of my other creditors have accepted my offer of repayment and they have now all received the first payment from my self managed DMP. It just seems like I'm going round in circles with them and that they are trying to make my life difficult so your help is much appreciated. Cheers.

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Ok. Ill be home around 3pm today. Ill help you write a nice complaint to them.

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

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I cannot believe Wonga are putting you through all this hassle, I had an amount outstanding with them of approx £1250 and they agreed to a repayment plan after two emails. They must be changing tact as they were far the most easiest to come to a repayment plan with out of all the payday loan companies I had the misfortune to deal with.

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Been a little busy tonight. Will get the letter up asap

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

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My goodness - I don't know whether I am coming or going with these guys. 2 e-mails received today from Wonga Escalations. First sent at 10.02am says "Thanks for letting us know that you'll be making payments to your wonga.com repayment plan via standing order. This is great, but please bear in mind that it can take 3-5 working days for a standing order to arrive with our bank. Therefore please do allow for this delay when setting it up. For example, if your payment to us is due on the 25th of each month, you’d be safest to set up the standing order for the 20th of the month, if your funds allow. If you have any concerns, please ask your bank for advice when setting up the standing order. Or if this sounds too uncertain, you’re more than welcome to ask us to take automatic payments from your debit card, or even make manual payments yourself, early on the morning of each payment date. You can make payments online anytime online, or by contacting our collections team on 0800 316 6745 at any time, we’re open 24 hours a day, 7 days a week. We look forward to receiving your next payment". Next one sent at 10.03am says "We always aim to help you settle your loan as quickly as possible. Acknowledging difficulty in repaying is half the battle, so we really appreciate you getting in touch and discussing a repayment plan. We do appreciate your current difficulties but, in order to help, we need a better understanding of your financial situation. To do this, we need you to complete an online income and expenditure form which can be found at http://www.wonga.com/financialassessment.aspx. You’ll be able to view and complete it three days before your repayment date. Please note it won’t be available to you before this time. Once you complete the income and expenditure form, you’ll be given an opportunity to propose the repayments you can reasonably make. If, from the information you’ve provided, these payments are acceptable/reasonable, your repayment plan will be set up within seconds. If not, we’ll suggest reasonable repayments using the information you’ve provided, which you’ll be able to confirm by responding to our email. We’ll only be able to suspend interest and charges, and stop attempts to collect payment for all or some of the outstanding balance, once you’ve successfully set up a repayment plan. Please note: interest, charges and attempts to collect payment for all or some of the outstanding balance will only be suspended once you’ve successfully set up a repayment plan". I just don't get it at all and I had an e-mail from them last week saying they would freeze interest and charges for 38 days. This is driving me mad!

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Report them to the OFT for breach of OFT guidance. DOnt say you will and then not do it. They MUST be reported. Im going over the thread now to write that complaint letter.

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

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City

 

By definition, a trade association is designed and set up solely to represent their members. I doubt you'd gain any independent oversight from any trade body as it's not in their interest to censure their own members, who pay them a nice fat fee each year?

 

Well done complaining to OFT, after 8 weeks (or if Wonga provide a final response sooner), get a complaint off to FOS.

 

Keep us informed.

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Thanks Toptrapper. I know - just thought it was worth copying in everyone I could think of! It was only when I sent the complaint that they actually bothered to respond to my e-mails. Don't worry, the FOS will be next on my list for these guys, especially as I note they have been given notice to improve their practices and abide by the OFT guidance - of course my experience of them is totally contradicting of what the guidance says.

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Certainly a good idea raising awareness with their trade body and I would be interested in their findings consideirng the OFT lens being trained on their members.

 

I lodged a complaint with the Consumer Finance Association regarding one of their members - it was dismissed out of hand, they stated it was without merit and frivolous. FOS, they investigated the same complaint with the same evidence I provided the CFA. FOS upheld it and reduced the amount owed from £540 to £40.

 

There is the other aspect that as a chargeable case, the PDL paid £500.00 for the courtesy of FOS giving them a shoeing so they had to pay for their own incompetence............... :-)

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Theres a reason they are called legal loan sharks.

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

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