Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)


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  1. #81
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    Default Re: PRAC/BW Claimform - old Payday UK PDL

    Please tell us more 😀 What happened


  2. #82
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    Default Re: PRAC/BW Claimform - old Payday UK PDL

    Sorry, I'm typing quick because I'm on the move, but I'll update fully later.

    It's worth a mention though, that I didn't win based on my argument (lack of original default notice) but rather the bad-assery of the female judge who pulled apart some other stuff.

    Thrilled and THANK YOU for inspiring me to be strong. I will of course be making a donationicon.


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    Default Re: PRAC/BW Claimform - old Payday UK PDL

    Please do and well done

    Any donationicon you make helps keep us going


  4. #84
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    Default Re: PRAC/BW Claimform - old Payday UK PDL

    Well done Jess

    Thread title amended.

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  5. #85
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    Default Re: PRAC/BW Claimform - old Payday UK PDL***Claim Dismissed***

    So, more detail:

    The judge said that even though they didn't have the original default notice, she knew of no reason / case law why the one that they had issued themselves, after being assigned the debt, wasn't valid. (This default notice is shown in #36 if you need reminding of it.) She went through the wording/dates etc of that with a fine tooth comb and said in the absence of the original, which the claimant had already admitted they couldn't obtain, issuing their own was valid to pursue?! I think this is an important point for anyone else reading this who are defending a similar claim as I was relying on the fact they couldn't issue their own!

    More on the topic of a default notice though, it was then argued by BW that in this instance a default notice wasn't even needed as there was no agreement to terminate as such (short term loan) and that the DN they had issued was more a chance for me to rectify rather than being vaild to enforce the debt - they went back and forth on this over Section 87 and discussed the 'end' point of an agreement in relation to interest being added and the debt being assigned etc. Lost me a bit here, but the DJ didn't knock it out of the water it seemed that one wasn't needed.

    It was the agreement though that was fatal due to MEM financial being signed on the agreement and that the claim was issued in respect of a debt with Instant Cash Loans (TA PDUK). They discussed the assignment of the debt in a bit of dept, but the DJ wasn't happy without seeing all the proof/debt sale agreement/deeds that these parties (MEM, ICL, PDUK) were all connected.

    Hope that makes sense how I've explained it.

    When summing up, the DJ did highlight the irony that it wasn't actually my singular argument about the DN that caused this claim to fail but other points that she was't satisfied with. In short, I think I came across pretty dumb and that the otherside appeared as smarmy chancers.

    But I'll take the win!


  6. #86
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    Default Re: PRAC/BW Claimform - old Payday UK PDL***Claim Dismissed***

    So I understand this right...
    A loan issued under section 87 for which this loan is governed by doesn't have any agreement?

    I'm confused 😕

    These loans have a consumer crediticon agreement attached to them? So there is an agreement to terminate?

    Either way not to worry... Well played on this one 😀


  7. #87
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    Default Re: PRAC/BW Claimform - old Payday UK PDL***Claim Dismissed***

    Sec87 is soley regarding defaults and notices
    A loan is not issued under 87

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  8. #88
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    Default Re: PRAC/BW Claimform - old Payday UK PDL***Claim Dismissed***

    Whoops 🤭


  9. #89
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    Default Re: PRAC/BW Claimform - old Payday UK PDL***Claim Dismissed***

    Being stupid... Section 77 or 78 if I remember correctly it's either or... 😂

    Well playes Jess...


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