Jump to content


  • Tweets

  • Posts

    • 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.   
    • S13 (2)The creditor may not exercise the right under paragraph 4 to recover from the keeper any unpaid parking charges specified in the notice to keeper if, within the period of 28 days beginning with the day after that on which that notice was given, the creditor is given— (a)a statement signed by or on behalf of the vehicle-hire firm to the effect that at the material time the vehicle was hired to a named person under a hire agreement; (b)a copy of the hire agreement; and (c)a copy of a statement of liability signed by the hirer under that hire agreement. As  Arval has complied with the above they cannot be pursued by EC----- ------------------------------------------------------------------------------------------------------------------------------------------------------------------- S14 [1]   the creditor may recover those charges (so far as they remain unpaid) from the hirer. (2)The conditions are that— (a)the creditor has within the relevant period given the hirer a notice in accordance with sub-paragraph (5) (a “notice to hirer”), together with a copy of the documents mentioned in paragraph 13(2) and the notice to keeper; (b)a period of 21 days beginning with the day on which the notice to hirer was given has elapsed;  As ECP did not send copies of the documents to your company and they have given 28 days instead of 21 days they have failed to comply with  the Act so you and your Company are absolved from paying. That is not to say that they won't continue asking to be paid as they do not have the faintest idea how PoFA works. 
    • Euro have got a lot wrong and have failed to comply with the Protection of Freedoms Act 2012 Schedule 4.  According to Section 13 after ECP have written to Arval they should then send a NTH to the Hirer  which they have done.This eliminates Arval from any further pursuit by ECP. When they wrote to your company they should have sent copies of everything that they asked Arval for. This is to prove that your company agree what happened on the day of the breach. If ECP then comply with the Act they are allowed to pursue the hirer. If they fail, to comply they cannot make the hirer pay. They can pursue until they are blue in the face but the Hirer is not lawfully required to pay them and if it went to Court ECP would lose. Your company could say who was driving but the only person that can be pursued is the Hirer, there does not appear to be an extension for a driver to be pursued. Even if there was, because ECP have failed miserably to comply with the Act  they still have no chance of winning in Court. Here are the relevant Hire sections from the Act below.
  • 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

Wonga Complaint


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2844 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 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

Edited by city128
Link to post
Share on other sites

  • Replies 56
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

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.

Link to post
Share on other sites

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.

Link to post
Share on other sites

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

Link to post
Share on other sites

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

Link to post
Share on other sites

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.

Link to post
Share on other sites

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.

Link to post
Share on other sites

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

Link to post
Share on other sites

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.

Link to post
Share on other sites

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

Link to post
Share on other sites

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!

Link to post
Share on other sites

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

Link to post
Share on other sites

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.

Link to post
Share on other sites

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.

Link to post
Share on other sites

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............... :-)

Link to post
Share on other sites

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

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...