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About morphster

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  1. I'm after some advice. I took out an Amigo Loan in 2017 and sadly had to top it up in 2018 totalling to £8,000 borrowed. I submitted an affordability complaint January 2020 and finally got a final response from them 2 weeks ago. They offered almost £5,000 redress. Having looked at the appendices at the bottom of the email with the amount still outstanding on the loan it gave me a total cash refund of £1,179.19. The complaint was with the financial ombudsman also at the time of receiving this offer. I called the adjudicator and he looked over the final response and agreed that the amount offered was fair and it was unlikely to change. I called Amigo Loans back and accepted the offer in the final response. Last Friday i received a credit in my personal account of £375.19. I immediately contacted Amigo Loans and after several hours of waiting the complaint handler called me back and asked how she could help. I explained the redress paid back to me was some £800 short of the accepted offer and i'd received no correspondence to suggest the figures were incorrect. She went on to tell me how she personally had made an error in the calculations and as such i wasn't entitled to the £1,179.19 and that i was only entitled to what i'd received. She offered £100 goodwill payment given it was a mistake however I naturally asked her not to insult me and didn't take the offer of goodwill. I'm waiting for the financial ombudsman to get back to me. Am i likely to get what was addressed to me on the original email or am I better off leaving it where it is
  2. Firstly I do apologize if this is in the wrong place on the forum: My partner received a letter from Judges Demand demanding just under £2,000 for unpaid nursery fees dating back 4 years ago or there about's. Now when the letter landed on the doorstep enclosed with it was a "Contract" which printed was my partners name and previous address. Overleaf was a signature that they claim is my partners which is far from her signature used on things such as driving license. Within this said contract there was a term "If payments are more than a week late then entry will be refused until the balance is brought up to date". My partner is insistent the correct notice was given to end the placement within the setting. A claim the client strongly denies. There was an invoice enclosed within this which stated figures only. Not detailing what the figure was billed for. We sent an email across to ask the following: Could your client please provide me with a true copy of the contract that you claim I've signed as the signature is nothing like my true signature. Evidence of this can be disclosed upon request. Could your client also please provide me with attendance records along with any correspondence that relates to this matter. Can you client explain why a debt of almost £2,000 was allowed to be accrued before seeking recovery of the amount. Surely as per term one if payments are behind then entry would be refused. Surely at £170 there must of been some common sense used as to when to begin recovery for the outstanding balance and not allow it to exceed a specific amount. They have said they would like to see a copy of my ID with my signature although have advised doing so would not alter anything to do with the amount they are claiming, To date they've now replied to say that they are unable to provide attendance records based on the time that has elapsed and they are entitled to claim the balance they've raised due to 6 years not passed. They also cannot provide us with any correspondence sent across to address this matter before passing it to a DCA. They've completely dismissed the quote around allowing the debt to accrue so high before pursuing her for monies. They've said that she's openly admitted liability for the amount therefore they want her to pay - All correspondence by email. Upon checking the emails there is no liability admitted whatsoever I'm keen not to just ignore this as I too received one of these that I was liable to pay and I stupidly ignored it now I've received a letter from the county court bulk center wanting me to answer. The one for me is significantly lower so I don't want to ignore this one. If anyone can shed any light as to which direction i need to go in. We only have around £10 per week disposable income between us once our debts are satisfied.
  3. PDF as requested. Hope you can shed some light on this for me. P
  4. Attached is the copy of the "Draft" court paper
  5. Hi Guys, Received a letter today from Expedion DCA. My partner was late returning back to the car in January by 10 mins. I wrote to ANPR Ltd appealing this and heard nothing at all. I did get a letter from Expedion a while ago but my missus assumed it was junk and binned it. Another arrived today. They have sent a "Copy" of a county court paper advising if I don't provide any lawful reason they will proceed. The initial letter states "The enclosed draft court papers are not designed the intimidate we are merely giving you the opportunity to check the content to ensure the details are correct. Any advice? Just been reading through the letters and the photograph has a timestamp of 10:18 on it yet the Court Statement states 10:20 I appreciate it's only 2 minutes however clearly this isn't factual
  6. Apologies: I've not called them at all I appealed against the ticket but didn't name the driver No response until now and no acknowledgement of appeal letter Car Park is Cherry Tree Centre, Wirral and the solicitor unknown as partner has disposed of paperwork
  7. Hi guys. Really impressed by the advice given so far. I've just sat down from coming in from work and my partner has thrown the letter away. She thought it was rubbish. One thing that stuck out on it the ticket stated 10:07. The photo taken stated 10:17 yet in the persons witness statement he said he observed the car at 12:18 on the day in question???? How is this possible? To my knowledge the only people who could go to the Northampton County Court Bulk Centre for a warrant or judgement were councils. Or am I wrong? If i ignore this will i get a court summons or a judgement filed against me.
  8. Hi There, Got a parking notice back in January this year. My partners ticket was due out at 10:07. They slapped a ticket on the car at 10:17 with my partner returning at 10:20. I of course appealed against this notice as it was no more than 13 minutes out. The shopping precinct was busy at the time also delaying her getting back to the car. I sent my written appeal to ANPR Ltd. I heard nothing from this. Yesterday morning I receive a letter pack from a solicitor who state ANPR have now instructed them to collect debt and as such are preparing county court papers to which they will submit in around 14 days time. Can anyone tell me where I stand with this. When I called ANPR they said they wouldn't handle the case no more and I was to contact the company dealing with it. My concern is that baliffs will start knocking if the county court become involved. I'm panicking trying to find the money to get together within 14 days but another part of me is telling to stand firm as I appealed and heard nothing until this pack arrived. I've heard all sorts of advice on here. Some say ignore and the forum mods say don't ignore. The form they've attached which they claim will sent to Northampton County Court Bulk Centre looks official enough. Any help on which way to proceed would be greatly appreciated.
  9. Hi Guys, Looking for some friendly advice from you guys who know a bit about this kinda thing. Received a PCN from my local council last year. Appealed the fine through email (still got copy) Never heard nothing back either post or email. Earlier this year I got a call from a Baliff (Excel Enforcement) demanding £317.00. I panicked as i thought it was solved with my appeal email as stated on the PCN. I asked if I could look into it and get back to him. He reluctantly left and said he'd return. I called the National Debt Line who were extremely helpful in the advice given. I filled out a TE7 and TE9 late witness statement this was filled and sent across via email to the Northampton Bulk Centre. I called them back after 4:30 an they said they'd contact Local Council to put a hold on any further action whilst in dispute. I'd called local council before I called NDL and requested this but was bluntly refused to hold off action telling me to speak direct with Baliff. Last I heard of this until today. My partner (who got the PCN) was at home as I was at work with the car a knock at the door from a local man demanding £317.00. When my partner called me at work I explained to her we'd received nothing from the Northampton Bulk Centre to advise the appeal was turned down and couldn't find that money. He immediatley give me half and hour to get home with the money or costs would be added for his visit. I explained I couldn't get the money and he said he'd notify the police to pull me over so he could come and levy my car which is in my name. The car's in my name but still paying off my dad's credit card for the car so not on finance as such but on credit card. He's now added £72.68 to the bill bringing it to £389.78 to which he wanted me to get to him by Friday this week or he would levy my car. I called NDL back tonight who again really helpful and suggested I call the council and pay the fine (Did this tonight) I paid £75.00 with a debit card on the phone. Got the payment authorisation code at the end and emailed the chief executive of the council to explain and request they call off any action. I've also filed a complaint online with the council about the non receiving of the letters they claim and requested under DPA they send me everything in email or by post. I'm hoping this will bring an end to the matter now but wanted your thoughts on any experiences you've had yourselves.
  10. Just done a live chat with QQ and I thought I was getting somewhere. Rollover fee £164.50 they are happy to break it down to 4 x £161.78 to complete the loan. DUH!!!! Banging head here.
  11. This sounds like the normal route to take however I can't pass security questions through my bank and with working during office hours I'm not able to get in to my branch to cancel the direct debit
  12. is there a way of stopping quick quid from taking a rollover payment out that I've set up by Direct Debit? I'm not able to get into my bank to cancel the direct debit at all. Heard a few horror stories but I wanted to give them the heads up and prevent them from taking the funds from my account on the due date as it'll leave me short to pay bills
  13. How much will i have to pay? The full £317. Even if i paid the £10 they would say sent the letters out wouldnt they
  14. Just to jump in and throw my advice in the mix. I work for a large retailer and I've learnt a few things over the years. Even if your product is out of warranty you are fully entitled to claim against the warranty for up to 6 years after the purchase date. This is due to the SOGA. We find that if a customer calls to complain the general rule of thumb is that if you take it to a 3rd party who are VAT registered then if the fault is deemed mechanical failure and not accidentally induced then a depreciation credit is generally issued but like some of you I prefer to go direct to the top to complain and generally if the letter is well constructed you'll get a result.
  15. Hi there, I've got PDL's with the following: Mr Lender Quickquid Wonga Hope this helps and i await your response
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