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    • Thank-you dx for your feedback. That is the reason I posted my opinion, because I am trying to learn more and this is one of the ways to learn, by posting my opinions and if I am incorrect then being advised of the reasons I am incorrect. I am not sure if you have educated me on the points in my post that would be incorrect. However, you are correct on one point, I shall refrain from posting on any other thread other than my own going forward and if you think my post here is unhelpful, misleading or in any other way inappropriate, then please do feel obliged to delete it but educate me on the reason why. To help my learning process, it would be helpful to know what I got wrong other than it goes against established advice considering the outcome of a recent court case that seemed to suggest it was dismissed due to an appeal not being made at the first stage. Thank-you.   EDIT:  Just to be clear, I am not intending to go against established advice by suggesting that appeals should ALWAYS be made, just my thoughts on the particular case of paying for parking and entering an incorrect VRN. And, I also continue to be grateful for any advice you give on my own particular case.  
    • you can have your humble opinion.... You are very new to all this private parking speculative invoice game you have very quickly taken it upon yourself to be all over this forum, now to the extent of moving away from your initial thread with your own issue that you knew little about handling to littering the forum and posting on numerous established and existing threads, where advice has already been given or a conclusion has already resulted, with your theories conclusions and observations which of course are very welcomed. BUT... in some instances, like this one...you dont quite match the advice that the forum and it's members have gathered over a very long consensual period given in a tried and trusted consistent mannered thoughtful approach. one could even call it forum hi-jacking and that is becoming somewhat worrying . dx
    • Yeah, sorry, that's what I meant .... I said DCBL because I was reading a few threads about them discontinuing claims and getting spanked in court! Meant  YOU  Highview !!!  🖕 The more I read this forum and the more I engage with it's incredible users, the more I learn and the more my knowledge expands. If my case gets to court, the Judge will dismiss it after I utter my first sentence, and you DCBL and Highview don't even know why .... OMG! .... So excited to get to court!
    • Yep, I read that and thought about trying to find out what the consideration and grace period is at Riverside but not sure I can. I know they say "You must tell us the specific consideration/grace period at a site if our compliance team or our agents ask what it is"  but I doubt they would disclose it to the public, maybe I should have asked in my CPR 31.14 letter? Yes, I think I can get rid of 5 minutes. I am also going to include a point about BPA CoP: 13.2 The reference to a consideration period in 13.1 shall not apply where a parking event takes place. I think that is Deception .... They giveth with one hand and taketh away with the other! One other point to note, the more I read, the more I study, the more proficient I feel I am becoming in this area. Make no mistake DBCL if you are reading this, when I win in court, if I have the grounds to make any claims against you, such as breach of GDPR, I shall be doing so.
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PRAC / BW PAPLOC now Claimform - old Paydayuk PDL


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i have been repaying Payday UK at £50.00 per month,

took out i loan for £380.00 and so far repaid £250.00 leaving the sum of £130.00 to clear the loan of £380.00.

 

they state they want £405.00 now and had this email below from Debt Collection Company :

 

Dear Mr ,

 

 

Creditor: MEM Consumer Finance Ltd (Payday UK)

Reference: ************

 

We have been instructed by the above to collect your unpaid MEM Consumer Finance Ltd (Payday UK) account.

 

This is your last opportunity to prevent your credit rating being adversely affected.

 

To pay your account in full please visit www.equidebt.co.uk or alternatively call Equidebt Limited on 01789 472 182 between 8.00am and 8.00pm Mon - Thurs, 8.00am - 6.00pm Friday or 8.00am - 1.00pm on Saturday.

 

Yours sincerely,

 

Equidebt Limited

WHEN LEAVING MESSAGES WE MAY REFER TO OURSELVES AS EQL

 

Lucky i looked in my spam file and this email was their, strange thing as i have emailed Payday UK regarding the outstanding and had no reply nor anything in writing, just this email. I have stated i willrepay the loan of £380.00 plus month fee and thats all, what next as the debt collector state they are adding fees on top of the outstanding, just a joke and buch of clowns. Trying to repay and just get no reply

 

Any Thoughs what to do next

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Payday uk are one of the worse!!! I set up a repayment plan for £50pm with the citizens advice and yep they took £635 on the first

Month instead of £50 and after 3 months no body still

Cares, the bank not do anything no one

Will so if I was u, let it go

To a crappy dca then pay them £5 a month or

Something

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  • 2 weeks later...

Hi All,

well Equidebt have emailed me relating to the payday uk loan.

They state i must not pay the lender only them

is this to get their fees .

 

I loaned 380.00 and repaid 250.00 so far

should i repay the 130.00 balance.

Or the full amount 405.00 plus ?????

 

Has anyone had dealings with equidebt or keep paying payday uk directly

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My experience with these types of companies, is I continue to pay the lender direct (via standing order) - you do not need to pay eqiedebt directly. As you say, they will probably add fees. In terms of the debt, I would pay the £130 and dispute the rest of it. Let DCA know that you believe you do not owe anything to PDUK once the £130 has been paid.

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Well just had a letter frpm Equidebt, staing they demand yep £225.00 ? ,

my only option is the repay in full or £11.25 by debit card followed by monthly payments.

 

Not falling for that one,

quote them card number and just like magic they empty the account.

 

Sending them £130.00 only and thats all their getting.

just getting to double check their bank details.

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  • 4 years later...

My wife has just had 3 letters today:

 

Letter 1 from Payday Uk stating they have now sold the debt to PRAC Financial Ltd on 9th December 2016, giving a formal notice of assignment of the debt

 

Letter 2 from PRAC financial stating they now own the debt of £349.77 & B W Legal will be acting as their Agent.

 

Letter 3 From B W Legal stating as the agent for PRAC they are demanding full payment of a debt which was £100.00 and is over 5 years old.

 

If this debt is over the 6 years is it classed as statute barred and are all debts over this timescale removed from a credit file

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  • 8 months later...

irresponsible lending?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 8 months later...

Well had a letter today stated " Letter of Claim " 5 pages in total.

They have confirmed if we do not reply by 6th August they will apply to the court for CCJ,

they are asking for income details and the following

 

Letter Reply form

 

Box A - I agree to the debt

Box B - i owe some of the debt

Box C - I don`t know about the debt

Box D - I dispute the debt

Box E - I will pay the debt now

Box F - I will pay but need time to pay

Box G - Getting advice

Box H - I have provided documents

Box I - I need more documents or information

 

Lists Particulars of Debt

 

Debt dated 29th November 2013 assigned on 9th December 2016 to PRAC Financial

 

My question is

should we wait until they issue court CCJ

or send off for more information including signed paperwork etc

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they cant issue a CCJ

you mean a claimform.

 

and it doesn't say WILL anywhere go read it properly!!

 

you need to follow as

here

https://www.consumeractiongroup.co.uk/forum/showthread.php?481827-The-Pre-Action-Protocol-for-Debt-Claims-is-made-by-the-Master-of-the-Rolls-as-Head-of-Civil-Justice.-1st-Oct-2017

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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no!

you must reply if its a letter of claim

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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have they sent you this:

PAP blank reply form.pdf

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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then you must reply

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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ok thanks

 

will send off paperwork and see if they reply,

 

strange as they have not chased for along time was hoping it was SB account.

 

Thinking back it was not repaid and dates back to Nov 13.

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then its not SB'd……………

 

post up your reply 1st here

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Just subbing your post, I have had the same.

 

They say my agreement is dated * 2014 and yet I have had no credits to my bank account at all from Payday during 2014.

 

I am going to ask what bank account they paid into and on what date.

 

Check your bank account as well.

 

Surely, if your agreement is dated whatever you requested a loan from them on that date and you would have received monies from them

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  • 1 year later...

We have had a letter today from B W Legal with heading Letter of claim relating to very old debt from 29th November 2013, they have sent emails offering 65% discount etc. they now have given date 23rd November to repay or face action they have enclosed particulars of claim and Annex 1 information sheet, reply form asking for debt points 

 

 Box A - i agree i owe the debt

 

Box B - I owe some of the debt

 

Box C etc to Box G 

 

and requesting income details as well

 

Should we do nothing and wait 

 

Thanks for help 

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I will gather this is a PDL of some kind?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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