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    • 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.
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    • If you are buying a used car – you need to read this survival guide.
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    • 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
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      • 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
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Payday Express Irresponsible Lending Reclaim - **Refund INT + CHAR & DEF Removal**


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Howdy,

I got myself into a real mess with payday loans, going back to divorce/unemployment in 2009. At its worst, between May 2012 and January 2015 I had nearly 140 loans with over a dozen lenders, in an endless bucket brigade of borrowing from one to repay another. I walked away from the whole toxic lot in January 2015 and am now redressing the situation.

 

From May 2012 to October 2013 I borrowed 10 times from Payday Express - deferring, refinancing, reborrowing etc.

 

10/8/17 - Sent formal complaint requiring refund of interest (£968.97) + 8% interest (£331.21) + removal of adverse data.

 

11/8/17 - Payday Express acknowledge receipt of complaint outlining response timescale (within 4 weeks, not later than 8 weeks)

 

6/9/17 - Payday Express are sorry to inform me that - after 4 weeks - their investigation is not complete

 

5/10/17 - Payday Express are sorry to inform me that - after 8 weeks - their investigation is not complete. They don't say when it might be complete (at a guess, never) but inform me of my right to refer the complaint to the FOS.

 

So, next? Prelim followed by LBA? Straight to LBA (previous formal complaint as Prelim)?

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FINAL RESPONSE FROM PAYDAY EXPRESS:

 

"Your complaint

 

Please read this part carefully as I will explain how I understand your complaint. This is important in how I have reached my decision:

 

You contacted Payday Express as you felt that you had been lent to irresponsibly. You allege that we did not assess the affordability of the loans or your financial situation. You believe that the loans trapped you into a debt spiral. You believe that we should have realised from the number of times you rolled over loans or borrowed again that your debt problems were getting worse and that it was not responsible to continue to lend to you. You believe that we failed to continuously assess your ability to service the loans, and this caused you financial hardship and also affected your health. You would like a refund of interest and charges paid plus 8% statutory interest, and the removal of negative information from your credit record.

 

My analysis of your complaint:

 

We have an obligation to lend responsibly to you every time you asked for a loan. To work this out, I have asked 3 questions for each loan:

 

1. Was the loan affordable?

I will look at what you told us about your income and expenditure, and see if what was left over was enough for you to meet your loan repayment and leave you some money for general living expenses.

 

2. Did you have any problems with other lenders?

We sometimes ask the credit bureau agencies for information about our customers when making our lending decision. Often, many of our customers have missed payments with other lenders and this is the very reason they come to us. So I have to balance whether any problems with other lenders meant that you were likely to have a problem paying us.

 

3. Did you rely on our loans to meet your everyday living expenses? Many of our customers use our loans to bridge unforeseen increases in their expenditure.

 

Sometimes, it can take 1 or 2 other loans to smooth things back out again, and we try to allow for this in our lending policies. However, we don’t think it’s a good thing when someone needs a loan every month just to get by and in these cases, we don’t think we should lend someone any money.

 

I have thought very carefully about your loan and applied these three questions to each loan.

 

There is one more thing to point out: where I think we asked enough questions when you made the loan application, I will use only the loan application information to answer the 3 questions. But if I don’t think we asked for enough information when you applied, it’s more difficult to come to a decision. I have to then work out what we would have done IF we had the information we SHOULD have asked for.

 

My Decision:

 

Between 24 May 2012 and 18 September 2013 you received a total of four loan deposits from us.

 

There were periods of lending when I think we did everything we were expected to. The loan repayments were low value and appeared to be affordable based on the information you declared. There didn’t appear to be any particular issues with other lenders that concern me and I don’t think you were reliant on borrowing from us at these times.

 

There are loans however for which I think we should have asked for more information before approving the loans. I have been unable to determine the affordability of these loans, and as such have been unable to review them.

 

The table below sets out the decisions I have reached on each of the loans I have reviewed.

 

Lending period Number of loans in lending period Overall Decision Total Redress

24 May 2012 – 31 January 2013 2 Funds lent responsibly N/A

15 May 2013 – 26 July 2013 1 Unable to Determine N/A

18 September 2013 – present 1 Funds lent responsibly N/A

 

To allow me to review the loans for which I have been unable to determine the affordability, I would request that you send me bank statements as laid out in the table below so that I can undertake a review of these loans.

 

Years Months

2013 April, May

 

How to send me the information:

 

• You can send me an original or scanned copy of your bank statements (including your name and address) or if it’s easier, a screen shot or print out is just fine provided that it shows your name, address and bank details, your proof of income (salary or benefit receipts), your outgoings (direct debit payments for your household bills) and your running balance.

• You can send your statements via email to: [email protected] – I’m afraid only a JPEG or PDF format can be accepted.

• By post to: The Customer Relations Team, Cardinal House, Abbeyfield Court, Abbeyfield Road, Nottingham, NG7 2SZ.

 

Next Steps:

 

I appreciate that this may not be the response you may have been hoping for but I hope you can see how and why I have come to my decision. If you are not satisfied, you may also ask for an independent review by the Financial Ombudsman Service.

 

You have the right to refer your complaint to the Financial Ombudsman Service, free of charge – but you must do so within six months of the date of this letter.

 

If you do not refer your complaint in time, the Ombudsman will not have our permission to consider your complaint and so will only be able to do so in very limited circumstances. For example, if the Ombudsman believes that the delay was as a result of exceptional circumstances."

 

In the last "lending period" - the one which resulted in a Default - there were actually 4 deposits not 1:

 

18/9/2013 - £300

24/9/2013 - £320

30/9/2013 - £80

1/10/2013 - £350

 

That's £978 (not including the £155 from Pounds to Pocket and £120 from Sunny), or just under half my monthly income at the time.

 

In a fortnight.

 

"Funds lent responsibly" my 4r5e.

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  • 2 weeks later...

Haven't replied to this yet but the more I read it the angrier it makes me.

 

The "logic" appears "if we didn't ask for enough information in order to lend responsibly, we lent responsibly based on the insufficient information we requested". It is a logic which suits their own cause, from their point of view, and proves mine, from my point of view.

 

The business of asking for bank statements from 2 months within an overall time-frame of 16 months totally neglects the spiralling cause and effect of taking these loans, month after month, for years. Notice they haven't asked for statements relating to the final - defaulted - loan amounts...

 

And what sort of "Final Response" asks for more information with which to review the loans further? :crazy:

 

Let me put it like this.

 

On 31/10/13 My bank balance was -£78.81

 

I received my salary, bringing my balance to £2165.58

 

On 1/11/13 - the next day - the following payments went out of my account:

 

£181.29 Pounds to Pocket

£182.00 Mr Lender

£194.25 Wagedayadvance

£997.42 Payday Express

 

£1554.96 Total

 

Meanwhile I had also spent:

 

£142.94 Car insurance

£12.18 TV License

£28.10 United Utilities

£44.19 Food shopping

£6.50 Bank Account Fee

 

£233.91 Total

 

£1788.87 - or 80% of my wage has gone out of my account in 24 hours. :faint:

 

It's 4 weeks to payday.

 

I have £376.71 left. :puke:

 

I have almost enough food for a week.

 

I haven't yet paid:

 

£770.00 Rent

£572 Council Tax, (unpaid since July 2013, i.e. 4 months, at £143 per month)

 

Nor have I put any fuel in the car to get me to work and back, or paid my phone bill.

 

Are these loans affordable?

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also, have a look at the fos decisions against express finance (bromley) t/a or formerly payday express (if one and the same as yours). quite a few examples there.

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also, have a look at the fos decisions against express finance (bromley) t/a or formerly payday express (if one and the same as yours). quite a few examples there.

 

Hi Ford, thanks for that. I'll definitely have a look - hadn't even occurred to me.

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I've replied to them [with apologies for repeating some of the above]:

 

"Dear Mr Craig,

Thankyou for your email dated 10th October 2017.

 

You state that "where I think we asked enough questions when you made the loan application, I will use only the loan application information to answer the 3 questions." The logic - if it can be termed such - in this statement is problematic. Whilst clearly partisan to your own agenda it does not substantiate or quantify why you think your checks were appropriate or proportionate. I can see from innumerable Financial Ombudsman decisions that they tend not to agree with you...

 

Furthermore, your summary of my borrowing is disingenous at best. You state that I received 4 loan deposits from you. There may have been 4 loan agreements but there were 7 deposits and 2 deferments. You consider that most of the loans were responsibly lent and "affordable". On 1st November 2013 a loan repayment was debited from my bank account in the amount of £997.42. That is almost half my monthly income.

 

On 31/10/13 My bank balance was -£78.81

 

I then received my salary, bringing my balance to £2165.58

 

On 1/11/13 - the next day - the following payments went out of my account:

 

£181.29 Pounds to Pocket

£182.00 Mr Lender

£194.25 Wagedayadvance

£997.42 Payday Express

 

£1554.96 Total

 

Meanwhile I had also spent:

 

£142.94 car insurance

£12.18 TV License

£28.10 United Utilities

£44.19 Food shopping

£6.50 Bank Account Fee

 

£233.91 Total

 

£1788.87 - or 80% of my wage had gone out of my account in 24 hours.

 

There were 4 weeks remaining until payday.

 

I had £376.71 left.

 

I had almost enough food for a week.

 

I hadn't yet paid:

 

£770.00 Rent

£572.00 Council Tax, (unpaid since July 2013, i.e. 4 months, at £143 per month)

 

Nor had I put any fuel in the car to get me to work and back, or paid my phone bill. These figures weren't just sums, they were the circumstances of my daily life and made me feel physically sick.

 

Are you seriously expecting me to accept that these loans were affordable?

 

Additionally, you have requested bank statements from April-May 2013 rather than from around the time of my final withdrawals. In neglecting to investigate information from a longer timeline, you are - I feel - making the same mistake that was made when the loans were originally issued, i.e. assessing affordability and my financial circumstances on insufficient information, except this time you are doing it deliberately in order to negate my complaint. I have therefore attached bank statements from May 2012 to December 2013, which should enable you to make a more informed decision. You will see credits and debits from numerous short term lenders, as well as loans from my late mother (shown on the statement as x x xxxxxxxx) for truly eye-watering amounts, and my attempts to repay her. Council tax payments (Stockport MBC) are erratic to the point of non-existence (payments to bailiffs begain in early 2014 following an extremely traumatic "visit").

 

You will also see that on 24th December 2013 my bank balance was £8.60. Merry Christmas."

 

Their standard tactic seems to be to deny everything and then disagree with the outcome when the FOS rule against them, which is often, so I'm writing my FOS complaint now rather than twiddling my thumbs waiting for PE to tell me to get stuffed. :)

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FOS complaint submitted.

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:thumb:

did you have a look at the fos decisions database re, were there similar ones to yours

 

Hi Ford, yes I did, and I'm I glad I did, thankyou, because there were so many cases just like mine where the FOS upheld or partially upheld a complaint previously rejected by PE. That's why I'm so confident this is just their standard tactic.

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Email from PE:

 

"Thank you for your recent email in which you enclosed several bank statements.

 

Your case handler has only requested statements for April and May 2013 and unfortunately these do not appear to have been included. [yes they were - they were the ones named 2013 29Mar-01May and 2013 02May - 31May - do you see? Or can't you work out for yourself that "April" is between "29Mar" and "01May"?]

 

Please can you send us this period only [what's the point of selectively requesting relevant info?]and your case handler will review the loans he mentioned in his Final response Letter to you."

 

Whatever... :roll:

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Email from PE:

 

"Thank you for your recent email in which you enclosed several bank statements.

 

Your case handler has only requested statements for April and May 2013 and unfortunately these do not appear to have been included. [yes they were - they were the ones named 2013 29Mar-01May and 2013 02May - 31May - do you see? Or can't you work out for yourself that "April" is between "29Mar" and "01May"?]

 

Please can you send us this period only [what's the point of selectively requesting relevant info?]and your case handler will review the loans he mentioned in his Final response Letter to you."

 

Whatever... :roll:

 

You've woken up to it and thats a good thing :)

At least you can tell the FOS you sent them everything that you felt would be useful at this time and was told that it was too much info - They will then see this and go - Well you asked for it and you were given it - This will go in your favour me thinks...

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

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  • 3 weeks later...

Email from Payday Express with New Final Response Letter, i.e. Final Final Response Letter... :roll:

 

All loans responsibly lent - nothing to see here etc. Quelle surprise.

 

No word from FOS as yet.

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Does anyone have any idea how long I may have to wait just for the FOS to acknowledge my complaint?

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acknowledgement received on Friday 17th :-)

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  • 2 months later...

FOS decision received today. Payday Express to refund all interest and charges (plus interest) on all my loans, and to remove all negative data. :whoo:

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