Hello, Basically I cancelled a payday loan & returned the funds the day I received them the company still want to claim the intrest for the full period from me. I applied for a loan with toothfairy finance, the following day I requested to cancel the loan (before the funds were received). The funds were returned the day they were received. They are still requesting the full £54 (2-week) charge & interest. I think that in light of the Unfair Terms and Contract Regulations that if a clause with such high charge for after cancellation were to exist it would be considered unfair. There's didn't seem to be any similar cases to someone cancelling a payday loan and not paying the interest.

OK pounds till payday have charged me £59.00 for not paying on time, I haven't paid them yet but there going to call back next week for a payment, I don't want to pay it as it's way too high. I was wondering does the same rule apply to payday loan companies that banks must adhere to? Can I say the NSF fee is unfair as the banking ones are. There's no way I have to pay this right?

yes the case is closed there was an advance in dispute resolution before it went to court.

My particulars of claim were incorrect, and I had signed terms and conditions which were on the back of a proof document, I accepted a settlement of £130, instead of £500 =( ill be more on the ball next time.

Hi all, I have taken something to court and they wish to defend i just wonder what my chances are heres my claim: They intend to defend the case I just wonder if this is a reasonable case?

didnt pay anything no action was taken, now there offering a reduced payment of £250

Think I'm trapped into paying £700 for 2months of car insurace I'll offer them a pound a week.

By the way I never signed and returned any of the documents agreeing to the policy, is this a way out possibly? x*Dont use the A&A group or Prestige* xxx

I took out insurance with Prestige all was good then I sold my car and had to write a letter to cancel my insurance all done fine, I get a letter back saying I have to pay the outstanding balance of £423.99! My total premium was £1223.54 or something like that. Now I had the insurance for two months, which on there cancellation rights would be 40% of the premium payable which I thought was 40% of 1223= 489 minus my deposit of 314.00 paying £175 which I would be fine with. But they want 15% of any premium outstanding as commission witch would be £184 + £45 cancellation fee, so all in all I'm being bullied into paying £738 for a £1223 per year policy, I only had for two months, this can't be fair. If anyone knows anything please tell me because I think I am being scammed I cant afford one payment of £424