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    • Yes that looks fine. It is to the point. I think somewhere in the that the you might want to point out that your parcel had been delivered but clearly had been opened and resealed and the contents had been stolen
    • Hi All, I just got in from work and received a letter dated 24 April 2024. "We've sent you a Single Justice Procedure notice because you have been charged with an offence, on the Transport for London Network." "You need to tell us whether you are guilty or not guilty. This is called making your plea."
    • Okay please go through the disclosure very carefully. I suggest that you use the technique broadly in line with the advice we give on preparing your court bundle. You want to know what is there – but also very importantly you want to know what is not there. For instance, the email that they said they sent you before responding to the SAR – did you see that? Is there any trace of of the phone call that you made to the woman who didn't know anything about SAR's? On what basis was the £50 sent to you? Was it unilateral or did they offer it and you accepted it on some condition? When did they send you this £50 cheque? Have you banked it? Also, I think that we need to start understanding what you have lost here. Have you lost any money – and if so how much? Send the SAR to your bank as advised above
    • In anticipation of lodging my court claim next Weds 1 May (14 days after advising P2G that was my deadline for them to settle my claim) I have completed my first draft POC as below: Claim Claim number: xxxxx Reference: P2G MAY 2024   Claimant xxxxx   Defendant Parcel2Go 1A Parklands Lostock Bolton BL6 4SD  Particulars of Claim The defendant has failed to arrange for the safe delivery of the claimant's parcel containing a 8 secondhand golf clubs (valued at £265) that was sent to a UK address using their delivery service (P2G Reference xxxxx). The defendant contracted Evri to deliver the parcel (Evri Reference xxxxx) and refuses to reimburse the claimant on the grounds that the claimant did not purchase their secondary insurance contract. The defendant seeks to exclude their liability in breach of section 57 Consumer Rights Act. The secondary insurance contract is in breach of section 72. The claimant seeks reimbursement of £265, plus P2G fees of £9.10, plus postage costs for two first class letters to P2G of £2.70, plus court fees, plus interest. The claimant claims interest under section 69 of the County Courts Act 1984 at the rate of 8% a year from xxxxx to xxxxxx on £276.80 and also interest at the same rate up to the date of judgment or earlier payment at a daily rate of £xxxx   Details of claim Amount claimed £276.80 I look forward to your thoughts and comments guys! As ever, many thanks - G59    
    • Hmm, that's strange how they got my email then.  I assume the below is ok to send to DCBL, Nicky?  Hello, I am writing regarding our ongoing dispute and the upcoming court claim reference xxxxxxxx. To ensure fairness and transparency in our communications leading up to the court hearing, I request that you use postal mail exclusively for all further correspondence related to this claim. Please refrain from sending any communication or documents via email. Thank you for your understanding and cooperation. If you have any questions or need clarification, please feel free to contact me via postal mail at the address provided above. Yours sincerely, xxxx
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Payday Loans - Irresponsible Lending Help


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Hi all,

 

I was posting about CCA request which led to unearthing my other accounts and I was advised to start another thread in this forum as I may be able to get my PDL wiped under the irresponsible lending rules.

 

I have the following to my name:

 

EuroCashNet (Quick Quid) £770

Instant Cash Loans (Month End Money/ Payday UK) £300

 

I have been paying towards these on a DMP and i'm due to make a payment in the next couple of days.

 

Any help would be greatly appreciated.

 

Many thanks in advance.

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Hi Molly - Welcome to CAG

 

PDL are my favourite thing in the whole wide world. NOT...

 

Please tell us more about these loans, how many you have had etc.

 

FKO

 

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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Thanks FKO :)

 

I'll take a look at that.

 

I currently have two as mentioned above. I did have another couple I think but they wiped them years ago.

 

Instant Cash Loans (aka Payday uk) £305 - NO DEFAULT - LATE PAYMENT - STARTED PAYMENT ON DMP con 23/06/2013

CashEuroNet (aka Quick Quid) £770 - UNSURE - NOT ON CREDIT FILE - STARTED PAYMENT ON DMP con 21/06/2013

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Thanks, i've actually just gone through it.

 

I'm going to compile a list of loans and view statements at the time of being accepted to see if I have a strong enough appeal to raise complaints.

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gambled a lot of money = perfect reason!!

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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Is this possible to claim against unsecured loans on the same ground?

 

I applied and got credit on 10 accounts within 11 months and I have statements which show/prove heavy gambling. These accounts are a mixture of CC, loads & PDL’s.

 

Thanks

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yes all 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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Share on other sites

Hi all,

i'm looking at lodging complaints against all creditors which are outstanding.

 

I have compiled a spreadsheet which shows I got loans/credit on 11 different occasions in 11 months.

I also have compiled old bank statements and also statements from betting sites.

 

During June 2010 and April 2013 I gambled heavily and can prove this is where the money went.

It got so bad that within just 6 months i deposited £222k with just one betting account generating a loss of over £18k. Sickening to know!

 

I am unsure of the loan amount with Payday UK above also when Co-op was taken out.

These figures are approximate.

 

I began my DMP in May 2013.

I have gone through the Irresponsible Lending Guide but before I send complaint letters I just wanted to confirm whether or not there is mileage in my complaints?

 

Many thanks.

Lending.jpg

Edited by dx100uk
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yes everyone of them!!

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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Share on other sites

still doesn't mean they lent responsibly at the time!!

 

for the cost of a few stamps..IMHO worth a punt to give the grief!!

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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Share on other sites

still doesn't mean they lent responsibly at the time!!

 

for the cost of a few stamps..IMHO worth a punt to give the grief!!

 

Definately! Have they been known to compensate on this basis then?

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why not try

i'm not going to research past successes here for you

CAG is about self help too!!

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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  • 4 weeks later...

Hello all,

 

Over the last few weeks i've been scrutinising and gathering information on loans and gambling spending.

 

I've written a provisional letter to QuickQuick using the letter template on the irresponsible lending guide.

 

I've put a lot of time and effort to put forward a strong claim.

I just wondered if anybody would be willing to have a read of it to see if there is anything I should add/remove.

 

I need to get this one right because i'll be using this as a guide letter for all my other creditor complaint letters.

It would be hugely appreciated!

 

Also on the letter template it says:

 

"the FCA took over regulation of the credit market from April 2014 and then imposed caps on all high-cost short-term credit (HCSTC) in 2015. I am aware that this only applies to Payday, Instalment and Rolling Credit Loans."

 

Does irresponsible lending apply prior to this?

As i'm going back to 2012/2013 so wondered if I have any claim at all with this template.

 

Many thanks

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yes it applies to anything now even credit cards

 

don't make your letter to long!!

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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