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    • Thank you for that i thought id just ask as i was unsure.  Just hope its returned to me and doesnt spend the rest of its life going back and forth to Singapore  
    • Thanks @lolerz. I've attached it to the post. What do you think? What's the organ grinder? NTK.pdf
    • I'm afraid that if the value of the item was under declared then that is probably the best that you can hope for. Also, because the item was incorrectly addressed – even by a single letter, if that because the issue relating to the delivery then that has probably compounded the problem. There is probably very little that can be done. If you are lucky you will get the item back and then you can start again and declare it properly. Undervaluing parcels which are sent by any means is always going to cause a problem if the item is lost or damaged. It may mean that the cost of delivery is slightly less – but at the end of the day the risk becomes yours. When you enter into any kind of contract, effectively you declare it a level of risk to your contracting partner – and they decide to enter into the contract with you based on that level of risk. You have declared a level of risk and £50 – and that's the deal.   Additionally, undervaluing an item which is an internationally has the effect also of evading customs and any VAT system which is in force in that country – and that makes the whole thing a little bit more serious
    • Perfect. Nice and brief and to the point. You don't bother to start telling your life story. Just the way it should be. Send it off. You have probably done enough reading to understand that it won't make any difference don't start drafting your particulars of claim. Open an account with the MoneyClaim County Court system and start preparing. Post your particulars of claim here before you click it off. You may have noticed that at some point you will be asked if you want to go to mediation on this. We used to advise it but now we recommend that you decline mediation and go to trial. Your chances of success are much better than 95%. Going to trial will incur an additional hearing fee but of course you will get that back. However if you go to mediation, they will simply try to penny pinch and to get you to compromise and also they will sign you up to a confidentiality agreement and probably threaten you if you breach it. Not only that, if the mediation fails because you stand your ground, it will add additional delay while they then give you a date to go to trial. The best thing to do is to decline mediation – prepare for court hearing. Pay the extra fee. The chances are that rather than get a judgement against them they will then offer you a full settlement rather than go to court. If they do offer you full settlement then you will be obliged to accept it – but that's what you want. If they don't offer you full settlement then you will go to trial and there will be a judgement against them. Just so that you understand, our first interest is that you get your money back – but a close second is that it does go to trial and there is a judgement which we will then be able to use to help other people. Anyway as you should realise, we will help you all the way.
    • I sent a parcel to Singapore but i spelt the address incorrecltly by 1 letter so the parcel couldnt be delivered and was returned back to the Uk but checking the tracking today the parcel had returned to the UK but is somehow on its way back to Singapore as the tracking says "Item leaving the UK"    Ive spoken ( tweeted) Royal Mail help who confirm that the parcel seems to be going back to Singapore and that if its not " Delivered" by the 29th of April theyll deem it as lost and will accept a claim but i cant remeber when booking what the compensation amount was but i dont think it covers the amount of the item.  As it was my fault that it wasnt delivered in the first place can i trey and claim the full amount back ? i think if i remember correctly it was £50 compensation but the item was £170 So the timeline is thus ...   22nd Of March .    Booked via P2G & dropped off a Post Office.  25th March arrives in Singapore and goes through customs ect ect 26th   Incorrect address and item is flagged as "return to sender" 28th Item leaves Overseas intenational processing centre 15th of April , Item is leaving the Uk (Again)   ?    
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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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