Jump to content


  • Tweets

  • Posts

    • Hello, I will try to outline everything clearly. I am a British citizen and I live in Luxembourg (I think this may be relevant for potential claims). I hired a car from Heathrow in March for a 3-day visit to family in the UK. I was "upgraded" to an EV (Polestar 2). I had a 250-mile journey to my family's address. Upon attempting to charge the vehicle, there was a red error message on the dashboard, saying "Charging error". I attempted to charge at roughly 10 different locations and got the same error message. Sometimes there was also an error message on the charging station screen. The Hertz 0800 assistance/breakdown number provided on the set of keys did not work with non-UK mobiles. I googled and found a bunch of other numbers, none of which were normal geographical ones, and none of which worked from my Luxembourg mobile. It was getting late and I was very short on charge. Also, there was no USB socket in the car, so my phone ran out of battery, so I was unable to look for further help online. It became clear that I would not reach my destination (rural Devon), so I had no choice but to find a roadside hotel in Exeter and then go to the nearest Hertz branch the following day on my remaining 10 miles of charge. Of course, as soon as the Hertz employee in Exeter plugged it into their own charger, the charging worked immediately. I have driven EVs before, I know how to charge them, and it definitely did not work at about 10 different chargers between London and Exeter. I took photos on each occasion. Luckily they had another vehicle available and transferred me onto it. It was an identical Polestar 2 to the original car. 2 minutes down the road, to test it, I went to a charger and it worked immediately. I also charged with zero issues at 2 other chargers before returning the vehicle. I think this shows that it was a charging fault with the first car and not my inability to do it properly. I wrote to Hertz, sending the hotel, dinner, breakfast and hotel parking receipt and asking for a refund of these expenses caused by the charging failure in the original car. They replied saying they "could not issue a refund" and they issued me with a voucher for 50 US dollars to use within the next year. Obviously I have no real proof that the charging didn't work. My guess is they will say that the photos don't prove that I was charging correctly, just that it shows an error message and a picture of a charger plugged into a car, without being able to see the detail. Could you advise whether I have a case to go further? I am not after a refund or compensation, I just want my £200 back that I had to spend on expenses. I think I have two possibilities (or maybe one - see below). It looks like the UK is still part of the European Consumer Centre scheme:  File a complaint with ECC Luxembourg | ECC-Net digital forms ECCWEBFORMS.EU   Would this be a good point to start from? Alternatively, the gov.uk money claims service. But the big caveat is you need a "postal address in the UK". In practice, do I have to have my primary residence in the UK, or can I use e.g. a family member's address, presumably just as an address for service, where they can forward me any relevant mail? Do they check that the claimant genuinely lives in the UK? "Postal address" is not the same as "Residence" - anyone can get a postal address in the UK without living there. But I don't want to cheat the system or have a claim denied because of it. TIA for any help!  
    • Sars request sent on 16th March and also sent a complaint separately to Studio. Have received no response. Both letters were received and signed for.  I was also told by the financial ombudsman that studio were investigating but I've also had no response to that either.  The only thing Studio have sent me is a default notice.  Any ideas of what I can do from here please 
    • Thanks Bank - I shall tweak my draft and repost. And here's today's ridiculous email from the P2G 'Claims Dept' Good Morning,  Thank you for you email. Unfortunately we would be unable to pay the amount advised in your previous email.  When you placed the order, you were asked for the value of your parcel, you stated that the value was £265.00. At this stage the booking advised that you were covered to £20.00 and to enhance this to £260.00 you could pay an extra £13.99 + VAT to fully cover your item for loss or damage during transit, you declined to fully cover your item.  Towards the end of your booking on the confirmation page, you were then offered to take cover again, to which you declined again.  Unfortunately, we would be unable to offer you an enhanced payment on this occasion.  If I can assist further, please do let me know.  Kindest Regards Claims Team and my response Good Afternoon  Do you not understand the court cases of PENCHEV v P2G (225MC852) and SMIRNOVS v P2G (27MC729)? In both cases it was held by the courts that there was no need for additional ‘cover’ or ‘protection’ (or whatever you wish to call it) on top of the standard delivery charge, and P2G were required to pay up in full for both cases, which by then also included court costs and interest. I shall be including copies of both those judgements in the bundle I submit to the court next Wednesday 1 May, unless you settle my claim (£274.10) in full before then. Tick tock…..    
    • IMG_2820-IMG_2820-merged.pdfmerged.pdf Case management was this morning. Here is the Sheriff’s order. Moved case forward to 24/05.   He said there was no signed agreement and after a bit of “erm, erm, yeah but, erm” when he asked them, he allowed time for sol to contact claimant.  what is the next step now? thank you UCM  
    • I've had a quick (well, quick for a thread of this length),  read of this thread and to be honest I'm struggling to make heads nor tails of the actual crux of the issue here. You seem awfully convinced that whatever is going on is worth the fight and the odds are in your favour but with how the thread has gone it seems that one trail goes cold so you simply move on to another in an attempt to delay the inevitable. All it does is end up digging holes and confusing others and yourself which means any advice given to you is completely pointless. I note that for the life of this thread there has not been any documentation or correspondence uploaded for people to have a look. Have you got any that you'd be willing to redact and upload for members to assist you? Right now, it seems people are shooting out advice while being in the dark because it's starting to become very difficult for people who weren't here at the start of this (including myself) to follow along. Right now, this whole thread is just hypothetical "He said, she said" and is going nowhere fast. Nothing more than basic advice can be given which, as you've sought out some legal advice, is likely not sufficient to actually come to any sort of conclusion. I, personally, am starting to agree with others that it may be best to consider bankruptcy and put the matter behind you.  
  • Recommended Topics

  • 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 
        • 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
  • Recommended Topics

Multiple PDLs, spiraling debt


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2011 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 All.

 

Looking for some advice if possible.

 

I am in a pretty bad debt trap which I need to work through. Have agreements with some creditors but not all. Mixture of PDL's, Credit Cards, Loans etc

 

PDL's

 

Uncle Buck £600

Wonga £550

Cash4UNow £700

Satsuma £1390

Wage Day Adv £600

Mr Lender £220

Payday Express £300 (with BCW, years old one that I had forgotten until last year)

My Jar £620

 

That's just the PDL's. There are loans, credit cards etc, totals over 20k. Bankruptcy and IVA are not an option for me due to my employment.

 

As I said I am working towards getting agreements in place with all of my creditors. There has been an element of gambling over the years, not massive but some.

 

I was wondering if it is worthwhile looking into irresponsible lending claims - the issue I have is that I was not very honest at times with my outgoings - I always stated the correct income figure, but the expenditure details were always understated. I guess the question would be is that I have so many of these why the hell did some of the later ones even lend to me in the first place? This isn't me trying to get out of these - if i could just get some of the interest removed I would be happy. The Satsuma loan was originally £800 and is now nearly £1400 as a prime example,

 

I have buried my head in the sand too long now - my wife has found out about it and my name is currently mud, marriage is pretty much on the line.

 

I have read the reclaim guide which is excellent. Any thoughts on next steps?

 

Cheers.

 

KO

Link to post
Share on other sites

Welcome back to CAG...

 

You can thank us later :)

 

Read; https://www.consumeractiongroup.co.uk/forum/attachment.php?attachmentid=70679

 

Please list all loans you have had! We can offer some help :)

The reclaim guide if you've read it in full offers your next steps :)

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

Link to post
Share on other sites

Hi Fkofilee

 

Thanks for the response!

 

I need to go through all my various statements over the last few years to get that information which I plan to do over the weekend.

 

I have read the reclaim guide quickly which is an excellent read - need to look at it in depth. The main concern I have is the references to understating my outgoings, i'm guessing that could make it a little difficult as I have lied essentially.

Link to post
Share on other sites

Yes but then its on the PDL company to check if this is the case... They should ask for bank statements and check CRAs as whenever you apply for a loan all the info goes into places like N Hunter & Experians Databases...

How do you think DCAs get your number when you havent given them? They use tracing techniques to get stuff.

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

Link to post
Share on other sites

Very fair point. Interestingly when I took the loan out with Mr Lender they said the system had asked for a bank statement. When I said I didn't have one to hand they replied "not a problem, I will just override it"!

Link to post
Share on other sites

Very fair point. Interestingly when I took the loan out with Mr Lender they said the system had asked for a bank statement. When I said I didn't have one to hand they replied "not a problem, I will just override it"!

 

See what i mean...

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

Link to post
Share on other sites

So going to try and deal with these 1 by 1 to start with just to ensure i get it right.

 

I want to look at my Satsuma Loan first of all.

 

Borrowed £700 in total in July 2017. Balance outstanding is now £1,368.50

 

At the time, I had a number of defaults which I will list below. I was also in a payment plan with Vanquis for a credit card, so surely as I already owned essentially the same company nearly 3 grand already then they should have not lent to me in the first place??!!

 

Capital One Nationwide (ARC) Halifax Vanquis Avant Credit (ACI) OnStride Jacamo Premier Man Very Lending Stream Myjar

Thoughts

Link to post
Share on other sites

I was in a similar situation.

Eventually, I decided to take control.

 

With Pay Day Loans I sent them a letter saying I could no longer pay,

I have stopped the payments (in reality I had to open a new bank account, which was a basic one with the co-op) and they were only to contact me by post, and if they did contact me by any other means I would report them to the ICO. This worked.

 

Eventually I took each one of them to the Ombudsman for unfair lending and one every case, getting the loans written off and recieiving refunds of about £6K.

This did take about a year in total.

 

I would write to the PDLs today and inform them you are planning to take the case to the Ombudsman and do so straight away.

While the case is with the Ombudsman pending an outcome, they can collect till the Ombudsman has ruled - this will take at least 4 - 6 months and at least will by you breathing space.

 

With the other loans, get in touch with National Debtline straight away.

I was with PayPlan for a few years and this held off the wolves while I was able to get myself straight again.

Also check that any lenders are actually able to claim the debts through a CCA or an SAR.

Link to post
Share on other sites

Sorry Olaf... I missed your post...

Put in a claim - Its free... Check the guide out and follow it and if you have any questions that arent on there, please let us know.

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

Link to post
Share on other sites

I was in a similar situation. Eventually, I decided to take control. With Pay Day Loans I sent them a letter saying I could no longer pay, I have stopped the payments (in reality I had to open a new bank account, which was a basic one with the co-op) and they were only to contact me by post, and if they did contact me by any other means I would report them to the ICO. This worked. Eventually I took each one of them to the Ombudsman for unfair lending and one every case, getting the loans written off and recieiving refunds of about £6K. This did take about a year in total. I would write to the PDLs today and inform them you are planning to take the case to the Ombudsman and do so straight away. While the case is with the Ombudsman pending an outcome, they can collect till the Ombudsman has ruled - this will take at least 4 - 6 months and at least will by you breathing space.

 

With the other loans, get in touch with National Debtline straight away. I was with PayPlan for a few years and this held off the wolves while I was able to get myself straight again. Also check that any lenders are actually able to claim the debts through a CCA or an SAR.

 

Remember though - You need to make sure that you Raise a complaint to the lender first before going to the FOS - Otherwise you become stuck :p

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

Link to post
Share on other sites

Thanks Fkofilee.

 

Claim submitted to Satsuma today.

 

At the time my application with Satsuma was accepted I had 4 defaults on my credit file and 6 Arrangements to pay. I have provided evidence from my credit file to them, and also highlighted the fact that I was in a payment arrangement with Vanquis when they agreed this loan, yet they still approved.

Link to post
Share on other sites

Well there you go - 4 Defaults 6 APs and arrears with Vanquis, their own firm that they share data with...

They did a cross sale a little while ago between Moneybarn and Vanquis... So they DO share data in the group...

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

Link to post
Share on other sites

  • 2 weeks later...

Satsuma have responded to my complaint today and have rejected it. They have completely disregarded the point about already being in a payment arrangement with another entity within the Provident group - they have not even mentioned it. Is it worth going back to them to state this or straight to the FOS now? Copy of the response below

Link to post
Share on other sites

Dear Mr Olaf

 

Our reference: XXXXXXX

 

Customer number: xxxxxxxxxxx

 

I am sorry you have had to contact us to make a complaint and I would like to thank you for your patience whilst I have been looking into this for you.

 

Your complaint

My understanding of your complaint is in regards to the affordability checks conducted at the time you applied for credit from Satsuma Loans and your circumstances at the time when you successfully obtained credit.

 

My investigation

From my investigation I have found one agreement issued to you to investigate. The details of the agreement issued are as follows:

Agreement

Loan Amount

Interest Applied

Term of loan

Monthly amount

Status of loan

xxxxxxxxx

£700.00

£694.40

12 Months

£116.20

Active

 

In order to determine whether Satsuma Loans did lend to you irresponsibly, I have revisited your initial application in detail to understand what you told us at the time of applying for the loan.

Please be aware that it is the responsibility of the applicant to enter true and accurate information on their application for credit. Any omissions could result in applications being treated as fraudulent.

What you told us at the time of application:

Agreement

Income Declared

Other Loans

Other Expenses

Disposable Income

xxxxxxxx

£2230.00

£600.00

£300.00

£300.00

£1030.00

 

You also confirmed at the time of application future payments were sustainable and affordable to you and you did not foresee any change of circumstance. It is not possible to complete an application fully without completing this stage of the application.

Along with the information you submit on your application, Satsuma Loans also use a wide range of data sources to ensure we are using the most accurate and up to date information about your existing credit commitments, living expenses and income and outgoings you provide on the application.

We perform checks with the Credit Reference Agencies (CRA). If the costs we check return a higher expenditure than you declared, we will process your application with the higher figure obtained.We use your verified outgoings, along with the proposed new loan repayment amount, to determine the minimum amount of income you require to afford the new loan. This value is then sent to the CRA Call Credit for verification and only when your income can be verified by the bureau your application is automatically accepted.

Below are the extra safeguards and buffers we applied to your expenses where necessary to reflect the electronic information gathered from the Credit Bureau and based on our internal models. This also takes into account the loan repayments on your agreement on a monthly basis.

Agreement

Declared Disposable Income

Safeguards

Monthly Loan Repayments

Disposable Income (After additional safeguards)

xxxxxxxxx

£1030.00

£65.00

£116.20

£848.80

 

The above information shows the agreement was affordable and left you with a comfortable disposable income.

I have reviewed the information obtained at the time of application. The Bureau checks conducted did not demonstrate the loan issued was not affordable or sustainable at the time of application. Please be aware that submitting an accurate reflection of your outgoings is a legal requirement of any loan application.

Outcome of our Investigation

Based on the information above, I can confirm the loan was issued responsibly in line with the Satsuma lending policy and therefore I am unable to uphold your complaint. There is a legal requirement for you to declare honestly, your income and outgoings at the time of application and you failed to do so.

I understand this may not be the response you were hoping for, however, I trust my response has fully explained the reasons for my decision.

 

I would like to assure you that your feedback is important, as it helps us improve the level of service we provide our customers. With this in mind, I would like to thank you for bringing your concerns to our attention and for giving me the opportunity to look into this matter for you.

 

If you remain unhappy with our decision 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.

 

You will find more information about the Ombudsman here:

http://www.financial-ombudsman.org.uk/publications/consumer-leaflet.htm

 

Alternatively, you will find more information on the Ombudsman website:

www.financial-ombudsman.org.uk

 

 

Yours sincerely

Link to post
Share on other sites

Hi Olaf - Yes plz go straight to the FOS Now...

What company were you in arrangements with?

 

Check the updated guide - https://www.consumeractiongroup.co.uk/forum/attachment.php?attachmentid=71214

We specifically mention provident and their sub brands...

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

Link to post
Share on other sites

  • 6 months later...

Ring and ask

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... 

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...