Jump to content


  • Tweets

  • Posts

    • Now some at this stage might think I'm leading to doggerland as the site of Atlantis   https://www.winterwatch.net/2019/01/did-the-inspiration-for-atlantis-flood-and-ark-legends-stem-from-paleo-doggerland/           but for a number of reasons, I'm not ... although I think it is a part of the larger story,   Its a little late. I believe the final inundation of doggerland is part of the later Biblical flood and related myths. (Black Sea, Arabian Gulf, West coast of India etc) ... but worthy of mention is that it could effectively make up one of three 'larger' islands as detailed in the legends far better than the Azores does. ... and mammoths/elephants crossed that bridge - although carefully check the dates of those mammoth/elephant migration evidence. They seem to end 11000bp.           http://www.bbc.co.uk/earth/story/20150722-lost-beasts-of-the-ice-age   http://www.canada.com/technology/Massive+Canadian+melt+have+triggered+flood+biblical+proportions/3954124/story.html   https://en.wikipedia.org/wiki/Outburst_flood   http://www.talkorigins.org/faqs/flood-myths.html#Sproul    
    • Hi.   Someone reported that your pg1 still had the reg number showing, so I've removed it and left pg2.   HB
    • Yes because you have not entered into an agreement with the claimant...nor do they state you ever did.   2.The loan was funded by Ferratum Uk Ltd.
    • Hi DX   Thank you for that.   No house move    Doh ... I know what a PAP LOC is now (apologies for being slow !)   I have had a tinker and found another defence example which I have taken account of.    How does the following now look ?  (bit lengthy apologies in advance !) **********************************                                                                           Particulars Of Claim 1.The claimant claims this amount in respect of an unpaid loan, regulated by the Consumer Credit Act 1974. The loan was funded by Ferratum UK Ltd.   2.The Defendant has failed to make payments in accordance with the terms of the credit agreement. The credit agreement was assigned to the Claimant upon which a Notice of Assignment was sent to the Defendant.    3.The Defendant has either failed to respond to the Claimant or has failed to maintain regular payments.   4.The Claimant has issued a Letter of Claim, providing the Defendant with a further opportunity to arrange repayment of the outstanding balance to no avail.    5.The Claimant claims interest under section 69 of the County Courts Act 1984 at the rate of 8% a year from 11/02/2019 to 23/07/2019 on  £417.00 and also interest at the same rate up to the date of judgement or earlier payment at a daily rate of £0.09."    " Defence    1.            The Defendant contends that the particulars of claim vague and are generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5(3) in relation to any particular allegation to which a specific response has not been made.   The Claimant has not complied with paragraph 3 of the PAPDC ( Pre Action Protocol) Failed to serve a letter of claim pre claim pursuant to PAPDC changes of the 1st October 2017.It is respectfully requested that the court take this into consideration pursuant to 7.1 PAPDC   2.           Paragraph 2 is denied. I am unaware of what alleged debt the claimant refers to having failed to adequately particularise its claim.  And it is denied the claimant has served any Notice of Assignment pursuant to the Law & Property Act 1925    3    Paragraph 3 of the particulars is not admitted with regards to the Defendant entering into an Agreement referred to in the Particulars of Claim for an amount of £431.81. It is denied the defendant failed to abide by the terms of contract.   4.       Paragraph 4 is noted although I have no record of ever receiving a Default Notice or Notice of intention to serve a Default Notice in this matter.    5. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of assignment/balance/breach requested by CPR 31. 14, therefore the Claimant is put to strict proof to:   6. On receipt of this claim I requested by way of a CPR 31.14 request and a section 77/78 for copies of any documents referred to within the Claimants particulars to establish what the claim is for. To date they have failed to comply to my section 77/78 request and remain in default and with regards to my CPR 31.14 request.   (a) show how the Defendant has entered into an agreement ; and (b) show and evidence the nature and service of a default notice pursuant to sec87.1CCA1974 © show how the Defendant has reached the amount claimed for; and (d) show how the Claimant has the legal right, either under statute or equity to issue a claim;   7 .As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed.   8. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974.   9.By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any   ******************** end of defence ************
  • Our picks

cocococo

Yes Loans Uk

style="text-align:center;"> Please note that this topic has not had any new posts for the last 3084 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Hi , My husband received a phone call from yes loans the other day as we were looking for an unsecured loan we done an application with them and they told us that we had been accepted and what the monthly repayments would be , the advisor asked my husband for his debit card details which my husband gave as he thought it was just part of the application process for verification purposes , Now i have checked my bank account and they have debited £49.50 from our account there was no mention on the telephone conversation of any fees or anything and my husband did not give any permission to debit any money from our account.

I am really angry and I have sent them one hell of an email as i feel they have commited fraud , i have again emailed them today and had no response from either email . Has anyone dealt with these how do i get my money back anyone have any contact details for them pref email addresses.

Thanks for reading.

Share this post


Link to post
Share on other sites

Inform the bank that the transaction was unauthorized. They will normally refund it and investigate.


Just some guy. I try to help, but all advice is my opinion.

Share this post


Link to post
Share on other sites

I've had the same problem with Carter & Carter Financial / Easy Step Loans, they took £499.99 off me.

 

I tried my bank and they can't do anything about it because I gave my card details.

Share this post


Link to post
Share on other sites

Hi Hans Solo!!

 

HAPPY TO HELP

NTYL

Edited by Rooster-UK
Email address removed.

Share this post


Link to post
Share on other sites

Just to update all on this site I got my money back off Yes in 3 days.

Edited by Rooster-UK
Email address removed.

Share this post


Link to post
Share on other sites

We do not recommend giving or taking advice by email or PM.

We help everybody, not just a chosen few.

Information given by email or PM cannot be checked for accuracy.

 

How do you know that you are not giving your details to a DCA spy?

You have no way of knowing.

 

Regards, Rooster.


If this has been useful to you, please click on the scales at bottom left of post. Thanks.

 

Advice & opinions of Rooster-UK are offered informally, without prejudice & without liability. Please use your own judgment.

-------------------------------------------------------

LOOK! Free CAG Toolbar.

Follow link for more information.

 

------------------------------------------------------

Please donate,

Help us to help others.

 

 

LINKS....

 

Forum Rules.

FAQs....

Share this post


Link to post
Share on other sites

Please help!!! My partner applied in May 2010 for a loan with Yes Loans, they took the money and he recieved no other communication! Then they phoned again in June 2010, and he told them that he was not interested and did not have the money! They took it anyway, and on the bank statement it shows up as Mrs Cashback!!! I have since written them a letter, and we have still had no response!!! What else can we do???

Share this post


Link to post
Share on other sites

Yes loans are a disaster and I would avoid them at all costs. I made the mistake of conatcting them for a £2k unsecured loan 5 weeks ago. I have a 5 year old default on my file so I knew i would have no joy with my own bank or others on the high street. The initial conversation with them was straightforward enough and I was quoted a favourable repayment amount over 24 months. Then the bull**** started and I fell for it. I was asked to provide my debit card details with the promise of a telephone offer the next morning. My card was debited £69.99 and I am still waiting for the call or any correspondence. I cancelled my "agreement" with them in writing 2 days later and am still waiting for my refund, which I believe they must pay within 31 days. That is tomorrow, so I will wait with patience.

Share this post


Link to post
Share on other sites

I am in the process of a court hearing with this company.

I am putting a file together which a great deal of people have sent/emailed me statements of their dealing with Yes loans.

These files are to be presented along side my claim in a court of law,.

Please email me your accounts of this company. The file is getting thicker by the day. email me at : ref2403@live.com

Share this post


Link to post
Share on other sites

Hard to believe really, but I received a cheque today for £64.50, £5 less than my original payment. I understand this is their admin cost. I tried several times to get through on various phone numbers but gave up after waiting for ages. So, without actually getting to talk to them I have received my refund without too much hassle, all be a week or so late. Of course the cheque may bounce but I am not expecting it to. My lesson learned is NOT to pay broker fees for doing something that I could probably do myself. Good luck to those of you pursuing your cases further.

Share this post


Link to post
Share on other sites

So they have scammed you then????

You have put money into there pocket by calling them, they have had 1 month interest on your money then pay you £5 less...

They state in their T & C's that they keep your card and bank details, so why let them get away with keeping your money, they can put it back into your account straight away.

There sale agent lied to me, and they have refused to give me a recording of the conversation I had with him ( which I am legally entitles to) I have sent 3 recorded delivery letters asking for this and I stated I am willing to pay a £10 fee (which is the maximum they can charge). still no tape even though the letters have all been signed for. Guess what I open a court claim and they respond within 3 days.

If your willing to lose your money and be lied to that's fine...But I for one am not !!

Share this post


Link to post
Share on other sites

I agree that they have scammed me, but I feel a complete fool to have fallen for this. The recording of my initial conversation with them would make me squirm. So patient, so understanding and helpful until they had my card details. Then another operator apologised that they had a systems error and basically said goodbye. This maybe was their only lie to me. The rest was clever speak and wording which I fell for. I appreciate they have had my money in their account for several weeks but am genuinely suprised to have got anything back without a real fight. I did pursue a claim in the small claims last year against a million pound company who owed me several thousands of pounds. I entered a claim for several single invoices worth around £1000 each and got my money very easily. However I lost business afterwards and have such become very dubious about pursuing some items through the courts.

I wish you well with yours mate and remain embarrased that I fell for this rubbish ploy.

Share this post


Link to post
Share on other sites

Its not clever speak, it is misleading which is a criminal offence to intentionally mislead to gain ...Fraud act 2006

 

I know people can be pressured into giving bank details, even desperate..but read the forums there are hundreds of people they have scammed...now not every one is stupid....they are mislead, I have spoken off the record to people who have worked there and you would not believe some of the stories....

They are given scripts to read, but any slight deviation is deliberately misleading people..like i say is a criminal offence

 

everyone email me your dealings with these con men and i will had them to my growing file to present in court

Share this post


Link to post
Share on other sites
How did the court case go?

 

Hi, ref2403 has not been online since August 2010, very much doubt you'll get a reply.


 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...