Jump to content


  • Tweets

  • Posts

    • This is the other sign  parking sign 1a.pdf
    • 4 means that they need to name and then tell the people who will be affected that there has been an application made, what the application relates to (specificially "whether it relates to the exercise of the court’s jurisdiction in relation to P’s property and affairs, or P’s personal welfare, or to both) and what this application contains (i.e what order they want made as a result of it) 5 just means that teh court think it is important that the relevant people are notified 7 means that the court need more information to make the application, hence they have then made the order of paragraph 1 which requires the applicant to do more - this means the court can't make a decision with the current information, and need more, hence paragraph one of the order is for the applicant to do more. paragraph 3 of the order gives you the ability to have it set aside, although if it was made in january you are very late. Were you notiifed of the application or not?    
    • These are the photos of the signs. At the entrance there is a 7h free sign. On some bays there is a permit sign.  Also their official website is misleading as it implies all parking is free.  I can't be certain of the exact parking bay I was in that day, and there was no PCN ticket on my car and no other evidence was provided.  parking sign 2.pdf
    • Hi, In my last post I mentioned I had received an email from SS who were asking me to hand over the keys to my mother’s flat so they could pass them to the Law firm who have been appointed court of protection to access, secure and insure my mother’s property.  Feeling this, all quickly getting out of my hands I emailed ss requesting proof of this. I HAVEN’T HEARD BACK FROM SS.  Yesterday, I received an email (with attached court of protection order) from the Law Firm confirming this was correct (please see below a copy of this).  After reading the court of protection order I do have some concerns about it:   (a)   I only found out yesterday, the Law firm had been appointed by the court back in January.  Up until now, I have not received any notification regarding this.  (b)   Section 2   - States I am estranged from my mother.  This is NOT CORRECT    The only reason I stepped back from my mother was to protect myself from the guy (groomer) who had befriended her & was very aggressive towards me & because of my mother’s dementia she had become aggressive also.  I constantly tried to warned SS about this guy's manipulative behaviour towards my mother and his increasing aggressiveness towards me (as mentioned in previous posts).  Each time I was ignored.  Instead, SS encouraged his involvement with my mother – including him in her care plans and mental health assessments.   I was literally pushed out because I feared him and my mother’s increasing aggression towards me. Up until I stepped back, I had always looked after my mother and since her admission to the care home, I visit regularly.   .(c)    Sections -  4, 5 and 7  I am struggling to understand these as I don’t have a legal background.  I was wondering if there is anyone who might be able to explain what they mean.  It’s been a horrendous situation where I had to walk away from my mother at her most vulnerable because of; ss (not helping), scammer and groomer. I have no legal background, nor experience in highly manipulative people or an understanding of how the SS system operates, finding myself isolated, scared and powerless to the point I haven’t collected my personal belongings and items for my mother’s room in the care home.  Sadly, the court has only had heard one version of this story SS’s, and based their decision on that. My mother’s situation and the experience I have gone through could happen to anyone who has a vulnerable parent.    If anyone any thoughts on this much appreciated.  Thank you. ______________________________________________________  (Below is the Court of Protection Order)  COURT OF PROTECTION                                                                                                                                                                                   No xxx  MENTAL CAPACITY ACT 2005 In the matter of Name xxx ORDER Made by  Depty District Judge At xxx Made on xxx Issued on 18 January 2024  WHEREAS  1.     xxx Solicitors, Address xxx  ("Applicant”) has applied for an order under the Mental Capacity Act 2005.  2.     The Court notes (my mother) is said to be estranged from all her three children and only one, (me) has been notified.  3.     (Me) was previously appointed as Atorney for Property and Affairs for (my mother).  The Exhibity NAJ at (date) refers to (me) and all replacement Attorneys are now officially standing down.  4.     Pursuant to Rule 9.10 of the Court of Protection Rules 2017 and Practice Direction 9B the Applicant 2must seek to identify at least three persons who are likely to have an interest in being notified that an application has been issues.”  The children of (my mother), and any other appointed attorneys are likely to have an interest in the application, because of the nature of relationship to (my mother).  5.     The Court considers that the notification requirements are an important safeguard for the person in respect of whom an order is sought.  6.     The Court notes that it is said that the local authority no longer has access to (my mother’s) Property.  7.     Further information is required for the Court to determine the application.  IT IS ORDERED THAT  Within 28 days of the issue date this order, the Applicant shall file a form COP24 witness statement confirming that the other children of (my mother) and any replacement attorneys have been notified of the application and shall confirm their name, address, and date upon which those persons were notified.  If the Applicant wishes the Court to dispense with any further notification, they should file a COP9 and COP24 explaining, what steps (if any) have been taken to attempt notification and why notification should be dispensed with.   Pending the determination of the application to appoint a deputy for (my mother), the Applicant is authorised to take such steps as are proportionate and necessary to access, secure and insure the house and property of (my mother).   This order was made without a hearing and without notice.  Any person affected by this order may apply within 21 days of the date on which the order was served to have the order set aside or varied pursuant to Rule 13.4 of the Court of Protection Rules 2017 (“the Rules”).  Such application must be made on Form COP9 and in accordance with Part 10 Rules.              
    • Unless I've got an incorrect copy of the relevant regulation: The PCN is only deemed to have arrived two days after dispatch "unless the contrary is proved" in which case date of delivery does matter (not just date of posting) and I would like clarification of the required standard of proof. It seems perhaps this hasn't been tested. Since post is now barcoded for the Post Office's own tracking purposes perhaps there is some way I can get that evidence from the Post Office...
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
        • Like
      • 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 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
        • Like
      • 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

pounds till payday debt: need help urgently


dirkfunk
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4676 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

  • Replies 52
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

I have had exactly the same problem this month, although they have already phoned my employer!

 

Help

 

Hi Peter

 

Have you read the 1st page of this thread? There's some useful info there. If you need more support, start your own thread and people can help you along your journey.

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

Link to post
Share on other sites

I too would like some help. This is my first post so Hello to everyone. I don't really use message boards but I asked a question on Google and here I am! About pounds till payday based in Malta, I too asked if I could defer loan and they said they wouldn't. I am concerned though that they may ring me at work if I don't pay them next month. However, my financial circumstances will improve by the end of January 2009 and will be able to pay it all back. Has anyone cancelled their DD with them? Reading through similiar posts it appears that no one has done this. Any advice welcome please. Thanks in advance.

Link to post
Share on other sites

Hi all,

 

I had/have a loan with these sharks. I took out 5 loans month after month and got into a massive hole whereby I was stuck. A grand a month and paying back something crazy like £1289. When the hole was to deep I defaulted and then got the phone calls etc etc.

 

I got the threats to about calling my work etc, I told the young lady if she called my work I would have no choice but to send of a formal complaint to Trading standards. I was willing to pay back a certain amount each month and that was it. I kept on getting calls and now have been passed onto a company called Clarity.

They offered me a reduced payment for 7 days, they wanted £1100. I said errrrrrmmmm Get lost! Ill think about it.

 

Then another phone call from them to arrange an appointment with one of the collections team at my home. She then asked if they could have my address???? ARE THEY F****ing insane!! I again said errrrmmm Get Lost, I dont want any visits from anyone from that company near my office or home. Ill give you £30 a month on the reduced offer. And that is all I can afford and if you want more then take me to court. They accepted!

 

They have since provided the banking details to deposit the £30 a month and are content with that.

 

I'm paying back this loan at the rate I can afford, they will get the money but in time. Its also interesting to note every time they phone me and ask for the security questions I always give them a different post code and I seem to pass through the data protection??? They havn't got a clue!!

 

Stewie!!!:-D

I need to change my avatar..But cant find a good replacement.

Link to post
Share on other sites

Stewie - thanks very much for getting back to me. I can pay them back but not until end of January - I suppose I would expect to pay £69 default? As I mentioned I can cancel DD (have Internet banking) what does anyone think please? (I hope there aren't too many people like IrishMaverick on these Forums) - lets hope he never has a life threatning disease and had to go partime and then on half pay:rolleyes:

Link to post
Share on other sites

Hi Lavina,

 

First line of defence is attack and I am certain he feels like a twit now, considering the industry he is working in is under investigation by the FSA and FOS. His days and others like him are numbered I would say.

 

If my experiance is anything to go by they will make you an offer without the default payment. They just want the bulk of the money back. I check my credit profile on regular basis and there are no defaults listed.

 

I would hold out and when they do make contact, and I can assure you it wont be long now. Tell them you will pay the original amount of the agreement and no more. If they argue tell them to take you to court, thats when they backed off very quickly.

 

They made plenty out of me...

Dont let them bully you into paying for penalty charges that are way over the top.

 

 

Stewie

I need to change my avatar..But cant find a good replacement.

Link to post
Share on other sites

  • 2 months later...
I recently took out a payday loan with a company called Pounds till payday (northway broker ltd) for £400. i am having to repay £518 in total but am not able to pay on the due date. i have contacted them to try and arrange some smaller payment arrangements but they say they cannot do this and if i cannot pay that they will contact my personnel department where i work.

 

i think i would explode with humiliation if it came to this.

 

are they legally allowed to take this action.

Can anyone think of action i cold take to stop this happening. They won't come to an agreement with me and they have my employers phone number.

 

is there anyone on here that could look at my agreement and help a guy out.

 

Hi,

 

I am having the same trouble with them at the moment!!

 

Can I ask how did you deal with this in the end?

 

Many thanks

Link to post
Share on other sites

Hi,

 

I am having the same trouble with them at the moment!!

 

Can I ask how did you deal with this in the end?

 

Many thanks

I found this letter on another forum.

The guy who sent it never heard from them again, as They get confused cos they dont know english law. These are the original posters words not mine BTW

 

Dear Sir or Madam

 

REFERENCE NUMBER: ******

 

I am writing with regards to the outstanding balance I have with Northway

Broker Limited (trading as Pounds Till Payday).

 

 

After new information has come to light regarding charges, this debt is now in dispute due to the fact part of the outstanding debt is made up of

unlawful charges. These charges are disproportionately high and therefore

they are contrary to the Unfair Terms in Consumer Regulations 1999. In addition I believe that the charges are a Penalty. Penalty charges are irrecoverable at common law. The precedent for this was Dunlop Pneumatic Tyre Co Ltd v New Garage and Motor co Ltd [1915] AC 79.along with Murray v. Leisure play [2005] EWCA Civ 963 It was held that a contractual party can only recover damages for an actual loss or liquidated losses. It is clear that these charges do not reflect any actual and or real loss.

 

I would also like to make you aware of The Office of Fair Trading Code of

Guidance in which it states: putting pressure on debtors or third parties is

considered to be oppressive This includes: Ignoring disputes about whether money is owed and refusing to freeze action if the debt is in dispute.

I therefore hope to receive your full co-operation in this matter and would like to request a written response to that effect within 14 days of this letter.

 

In addition due to the nature of calls and messages I have been receiving, I will regard any further approaches other than in writing as harassment under S40 of the Administration of Justice Act 1970, and any inappropriate written contact as harassment under that Act or S1 of the Malicious Communications Act 1988.

 

As such you are now to cease any telephone calls to my residence. This

includes and does not fall short of contact by telephone to anyone you have on your computer system as a 'referee'.

 

Under Section 10, subsection (1) of the Data Protection Act 1998 you are to stop processing the data you hold on system for my 'referees'. You have 21 days from receipt of this letter to state that you comply or intend to

comply with my request. Should you not comply or intend to comply, you are to state your reasons as to why.

 

Non-compliance with my request will leave me no further option but to report Poundstillpayday to the Office of Fair Trading.

 

Yours Sincerely,

 

 

 

Hope it helps

Link to post
Share on other sites

Im sick of reading these sob stories , I used to work for a collections company and have heard every excuse for not paying off a loan.

You took out a pay day loan these loans are only issued for a maximum of 30 days their a short term loan.

Why did you take the loan in the first place if you couldn’t afford to repay it. ? ( ask yourself that)

Did you read the terms and conditions ?

Did you understand what the % APR was ?

Did you understand what the product was im sure this was explained to you when you applied for the loan.

There is no point in blaming Pounds Till Payday, its about time you took responsibility for your own actions if you replayed your loan on time in accordance with the terms of the loan they would not be sending you threatening emails/letters

Quit looking for ways of getting out of repaying and just come to some arrangement with this company.

PLEBB

Link to post
Share on other sites

  • 2 months later...

We used a combination of the advice in this thread to get these people of my son's back. As soon as they try to contact another family member or your place of work they are screwed. All you have to do is tell them that they have breached privacy laws and that you will be reporting them to the Financial Ombudsman. However, you also need to make sure you cancel any direct debits for these people and other associated companies such as Month End Money who they use to try and collect their illegal charges. Our son had to close his bank account in order to be absolutely sure - they had managed to put him into informal overdraft by taking money via M E M which then meant that his BANK added more charges to his account. However, when we explained who these people are they very kindly removed them.

 

Oh, and I think that Irish Maverick is probably one of their people. If not, he should try and deal with them himself and see what happens . . .

Edited by Chels66
Update
Link to post
Share on other sites

  • 3 months later...

I am currently mid argument with this company. Through my own fault I cannot afford my repayment, I have called them and told them this offering to pay monthly installments but they have refused. They have contacted my employer being aggressive with them and also have verbally threatened my partner when they've called me at home and I haven't been home. I need to know where I stand legally with this company please can anyone help?

Link to post
Share on other sites

Hi

Like Chels66 says, tell them that they have breached the privacy laws when they have contacted your employer. The best advice I can give, which worked for me was to contact your bank and stop any payments to them initially. Once you have done that, they will send you a letter requesting the whole amount. Write and send offer of payment and financial statement and ask them to freeze all interest. Include your first payment with this letter as it shows your willingness to repay. Hope that helps.

Link to post
Share on other sites

I am currently mid argument with this company. Through my own fault I cannot afford my repayment, I have called them and told them this offering to pay monthly installments but they have refused. They have contacted my employer being aggressive with them and also have verbally threatened my partner when they've called me at home and I haven't been home. I need to know where I stand legally with this company please can anyone help?

 

2u7t9g1.gif

 

Make a complaint to your local trading standards & the OFT with regards to their harassment and threats, they are in clear breach of OFT guidelines & CPUT ;

 

Consumer Direct - Contact us

 

OFT Complaint form

http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/DebtCollectionComplaintForm.DOC

 

The Office of Fair Trading: Contact us

 

[email protected]

 

 

tel: 020 7211 5823

 

The Office of Fair Trading: Debt collection practices

 

http://oft.gov.uk/shared_oft/business_leaflets/consumer_credit/oft664.pdf

Link to post
Share on other sites

Tigger/galaxy

 

There is lots of info on these cowboys on the payday loans forum. PTP will only keep the debt for 4-6 weeks before they pass to a DCA called Clarity. They will happily take small monthly payments.

 

PTP won't negotiate so it is pretty much a case of ignoring them and wait for them to pass on. Whilst complaining to OFT etc is good won't get you any relief from the idiots that call in the short term. Some have been known to be very unpleasant. hang up every time! If you pay by card make sure you 'lose' it and get replacement and make sure they do not try and reinstate any direct debits.

Link to post
Share on other sites

If you pay by card make sure you 'lose' it and get replacement and make sure they do not try and reinstate any direct debits.

 

 

just to point out - if you have authorised a payment on a bank card, then lose it' they can still take the money and you would have to argue the toss with them and the bank - been there, been caught out. Apparently the new card and old card are linked! Ask any bank

Link to post
Share on other sites

well its the first 12 numbers on the card

even if the card is cancelled they can still take money out through a continouse authority mandate

 

the way to deal with this is when you request a new card get the bank to put a stop on the old one

Link to post
Share on other sites

  • 5 weeks later...

I realise this is an old post, but its in the Terms and Conditions for most of these companies that you give them contact details so that they can ring people if you default. So they would argue they are not breaching Data Protection as you have provided the informaiton. Most people don't actually read the T&C's in online apps, just tick the box.

 

Also legally a digital signature is acceptable these days.

Link to post
Share on other sites

  • 1 month later...
  • 3 months later...

Please can anyone offer any more upto date advise on recent dealings with this company.

 

I have had to cancel my direct debits due to a change in my financial situation and have had loans with this company on and off for approx the past 3 years :eek: (yes silly me I know but once you start it is a very quick downwards spiral) and this is the first time I have had to do this. I dare not think about the interest I have paid over this time period.

 

Anyway, I do intend to send them a financial statement detailing my situation and make smaller more manageable payments to them - I also want to get out of this endless cycle of borrowing with them.

 

I am also puzzled as when I rung my bank they said that although PTP have been collecting regular direct debits from my account there is no actual direct debit set up. Does anyone know if this goes against banking regulations or the direct debit regulation scheme?

 

Any help/advice or template letters woould be gratefully receive as I need to try and find some light out of this very dark tunnel. :(

 

Thanks

Link to post
Share on other sites

  • 1 month later...

I have had dealings with this company in past couple of months before my finances went dire due to an unforeseen event. After numerous stroppy emails from them and millions of calls. These bullies dont frighten me but it is embarrassing to receive calls at work so I sent them a telephone harassment and unannounced visit letter basically saying i would only make contact in writing or email. I am now awaiting a response to my CCA letter and have sent them an token offer per month which I doubt they will accept.

Welcome Finance £5000 - 4 CCA requests 1 SAR pending,

Nationwide £283 (all made up of unauth charges) SAR pending

Capquest £2713.27 Statue barred debt - Prove it letter sent

Pounds till payday CCA request pending

Cashgenie CCA request pending

Quickquid CCA request pending

MEM CCA request pending

WGA - Payment plan agreed without any hassle :-o

Wonga £398 (£148 in charges) Complained to TS and OFT :grin: 1 CCA request pending

Link to post
Share on other sites

  • 2 months later...
It would be interesting to know what number their consumer credit licence is....

 

 

 

 

About PoundsTillPayday.co.uk

 

PoundsTillPayday.co.uk* is a discreet and convenient payday loan service. Serving England, Northern Ireland, Scotland, and Wales, our 100% online service offers the most hassle free payday loans available.

Our application form is short and easy to complete. Our Customer Care agents are knowledgeable and friendly. And once approved, your funds will be paid directly into your current account.

*PoundsTillPayday.co.uk is a trading style of Northway Broker Limited.

Northway Broker Limited is:

 

  • Registered as a company in Malta with number C36144 and registered office 7th floor, 2 Airways House, High Street, Sliema, SLM 1549, Malta.
  • Licensed under the UK Consumer Credit Act 1974.
  • Authorized and regulated by the Malta Financial Services Authority for the purpose of money broking.
  • A member of the Consumer Credit Trade Association and subscribes to its code of conduct.

Northway Transfer Centre Limited is:

Subsidiary of Northway Financial Limited

Registered as a company in the Isle of Man with company number

002318v

 

 

 

 

 

 

 

 

Simples:wink:.

 

 

If all else fails, kick them where it hurts and SOD'EM;)

 

Link to post
Share on other sites

Loads of different names in lots of different places.??????

 

 

What's that all about?

 

 

Well, I can make an educated guess really:p

 

 

If all else fails, kick them where it hurts and SOD'EM;)

 

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...