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    • Firstly, I would like to thank everyone for their help in this matter. Since my last post I have received a reply from Plymouth Council Insurance Team concerning my wife’s accident (please see enclosed letter and photo of the offending Badminton post) which they deny any responsibility for the said accident. I feel that the Council is in breach of their statutory duties under the following acts: The Leisure Centre was negligent in its duty of care and therefore, in breach of the statutory duty owed under section 2 of the Occupiers’ Liability Act 1957. Health and Safety at Work Act 1974 (the Act) to ensure, so far as is reasonably practicable, the health, safety and welfare at work of all their employees, and others who might be affected by its undertaking, e.g. members of the public visiting the Leisure Centre to use the facilities. The Management of Health and Safety at Work Regulations 1999 that requires employers to assess risks (including slip and trip risks) and, where necessary, take action to address them. The Provision and Use of Work Equipment Regulations (PUWER) require the risk to people’s health and safety from equipment that is used at a Leisure Centre be prevented or controlled. I would like some advice to see if my assumptions are correct and my approach to obtaining satisfactory outcome to this matter are accurate. Many thanks   PLM23000150 - Copy Correspondence.pdf post docx.docx
    • Talking to them does not reset the time limit, although they will probably tell you it does, they'd be lying. Dumbdales are the in-house sols for Lowlife, just the next desk along. If Lowlifes were corresponding with you at your current address then Dumbdales know your address. However, knowing that they are lower than a snake's belly, you would be well advised to send them a letter, informing them of your current address and nothing else. Get 'proof of posting' which is free from the PO counter, don't sign it, simply type your name. That way then they have absolutely no excuse for attempting a back door CCJ.   P.S. Best course of action, IGNORE them, until or unless you get a claim form......you won't.
    • A 'signed for' Letter of Claim has been sent today so they have 14 days from tomorrow... Lets wait and see what happens but i suspect judging by their attitude they wont reply 
    • I am extremely apprehensive about burning our files.... I do not know why, so it is becoming an endless feedback loop. Scared to pull the trigger to speak in the desire not to mess up my file. 
    • Hi All, So brief outline. I have Natwest CC debt £8k last payment i made was 7th November 2018 Not a penny since. So coming up to the 6 year mark. Can't remember when i took out the  credit card would be a few years before everythign hit the fan. Moved house 2020 - updated NatWest as I still have a current account with them. Then Lowells took over from Moorcroft and were writing to me at my current address. I did get a family member to speak to them 3 years ago regarding the debt explained although it may be in my name I didn't rack it up then went contact again. 29th may received an email from overdales saying they were now managing the debt. I have not had any letter yet which i thought is odd?  Couple of questions 1. Does my family member speaking to lowell restart statute barred clock? 2. Do you think overdales aren't writing to me because they will back door CCJ to old address even though Lowells have contacted me at current address never at previous? ( have no proof though stupidly binned all letters  ) Should I write to them and confirm my address just incase? Does this restart statute barred clock? 3. what do you think best course of action is?   Any help/advice is appreciated I am aware they may ramp up the process now due to 7th December being the 6 year mark.   Many Thanks in advance! The threads on here have been super helpful to read.  
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payday uk and ultimate credit services


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received a letter from ultimate credit credit services ref a payday uk loan.

the thing is i have never had a loan through them.

i am now an old hand with dca, they no longer intimidate me, so i gave them a ring.

first time i hung up, then called again.

these people are so obnoxiouse and treat you like dirt.

i asked for them to send me a copy of the cca, they refused, saying i owe the money and thats that.

the thing is i have just spent the last twelve months cleaning my credit file and dont want the hasstle of another default.

 

my questions are

 

1/ who are ultimate credit services, anybody have dealings

2/ can they put a default on my credit file

3 pay day uk, very vague looking into this company, are they uk based, and are they licenced under the consumer credit/data protection act

 

many thanks

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I think I've heard of them (payday UK) - if they're not licenced then they can't do anything. Fire off a letter to the OFT asking them if they know who they are. If they do put a default on your file that would suggest they ARE licenced. I've looked online and they have a horrendous APR and are designed for very short term loans. In order to get a CCA I think you need to send a letter with a £1 postal order - THEN they're legally obliged to send it out. It looks like it's all done online from the website I've found which suggests that there'll be no signatures or CCA for them to send - they claim to send out the money the same day you apply with no faxing so clearly they won't have what they need to go after you in a court.

 

[EDIT]

 

I'm tempted to apply myself - looks like free money

 

(my post was edited as there was a "commercial link" so to find the website just google the name and it's right there as a sponsored link)

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the more I look through the website the more shocked I am - 1355% APR!!!! for a 30 day loan. Either I'm missing something or from what I've seen I could borrow 750 quid, then close my bank account before they come to take the repayment and they'll have nothing whatsoever to pursue a claim in court.

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well I can't see them operating online so openly without one. If it's the same company as I've linked to above then they clearly CANT have a properly executed CCA so you've nothing to worry about. My only concern would be that they're [problematic] - 1 part of the [problem] gets bank details online the other part tries to [problem] people into paying up on non existant loans. This does however seem unlikely. Contact the OFT and FOS - see what they say.

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looks like they're for real - how can anyone dare to operate like that??? No CCA, no signatures, no proof of ID other than the account the money goes into. Close your account before repayment day and they're screwed.....they must lose a fortune.

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This has to be a numbers game I guess, using harassment and bullying to get money out of people who don't pay up.. hoping they can get more money out of people by frightening them than the money they loose from people not paying up

 

AIMHO of course

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well getting back to the original question - you've noting to worry about. Just send off a CCA and that should be that. After 12 days if they contact you asking for money inform the OFT. If they put a default on your file get it removed - shouldn't be hard looking at the way they operate.

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many thanks for that

like i said

i have never had a pay day loan

 

Dont forget it only needs somebody to get hold of your address and bank details and they can apply for the loan

 

So you could be a victim of identity fraud :(

 

Not trying to worry you, but could be worth checking into.

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Dont forget it only needs somebody to get hold of your address and bank details and they can apply for the loan

 

Since the money would be paid into that account, that shouldnt be a worry.

After looking at thier spiel though, I like the way they use the illustrations to compare their rates to others.

I was almost convinced when I saw the comparisons between an unauthorised overdraft and their loans..:)

Of course I will pay you everything you say I owe with no proof.

Oooh Look....Flying Pigs

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Since the money would be paid into that account, that shouldnt be a worry.

After looking at thier spiel though, I like the way they use the illustrations to compare their rates to others.

I was almost convinced when I saw the comparisons between an unauthorised overdraft and their loans..:)

 

Yes and I like the way they say if you default then the new rates will apply with a link back to their spiel, the new rates being 1355% APR :)..(not 25% on every £100)

 

Not sure if I am talking bull there but 1355% APR doesnt sound too good to me

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Since the money would be paid into that account, that shouldnt be a worry.

 

 

But isnt it quite easy to set a bank account up in the name of postggj with fake ID.

 

there are sites on the net that can supply all sorts of fake ID, fake bank details on original paper etc ...

 

If he never received the money in his bank account, it has to have gone somewhere ... unless this company are just trying a fast one of course.

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Fake accounts can be set up but out of curiosity, I went through the application precedures and they ask for debit card details.

These will have to match the stated account and can be verified online.

 

The only way to get around this would have been to somehow create an account using someone elses details but remember that when confirmation was sent to the address of the unsuspecting victim of ID theft, they would suddenly be alerted. It seems a lot of trouble to go to for £750 max.

Of course I will pay you everything you say I owe with no proof.

Oooh Look....Flying Pigs

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Fake accounts can be set up but out of curiosity, I went through the application precedures and they ask for debit card details.

These will have to match the stated account and can be verified online.

 

The only way to get around this would have been to somehow create an account using someone elses details but remember that when confirmation was sent to the address of the unsuspecting victim of ID theft, they would suddenly be alerted. It seems a lot of trouble to go to for £750 max.

 

Your correct, and I am probably just being over cautious, just being devils advocate, but dont forget this company has 10 + companies doing the same thing, £750 just became £7500 + ... makes it a little more worthwhile to get easy credit over the net like this

 

anyway this is going off topic ... sorry ...

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Yes and I like the way they say if you default then the new rates will apply with a link back to their spiel, the new rates being 1355% APR :)..(not 25% on every £100)

 

Not sure if I am talking bull there but 1355% APR doesnt sound too good to me

 

1355% is their typical APR not their penalty rate

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Payday UK are part of MEM Consumer Finance and provide short-term loans at highly-extortionate rates to cover payday shortages and unexpected expense. MEM Consumer Finance operate several companies who all work in this area.

 

They are pretty transparent though and AFAIK require faxing of documents and proof of ID before they process any loan application. They operate an 'electronic signature' system on their CCA - essentially where the applicant ticks a box or types their name to say they accept the terms of the CCA and be bound by its terms etc...

 

Whether its actually enforceable or not, I've no idea.

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I had to do this for my next door neighbour when she needed one and had no computer access. Payday UK asked for:

 

A photocopy of her passport or driving license.

A utility bill showing her address.

A photocopy of both sides of her debit card.

The application form - it was sent as a .pdf to be filled in, scanned and sent back.

A contact telephone number for home.

A contact telephone number for place of work - they DID phone to check she worked where she claimed.

 

This was all a year ago, I'm sure things have changed with them since. Thats why I said AFAIK (as far as I know) - no need to get defensive.

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i wasn't getting defensive - the "end of" was to signify that unless they're lying their website claims there's very little to it - the money is sent out the same day and they claim no faxing is necessary. I didn't mean "end of argument" if that's what you're thinking.

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Vagabond, I believe the additional measures you describe are for those punters who cannot be verified electroniacally, ie, bank account at different address, new address and not yet on the radar, that sort of thing.

Of course I will pay you everything you say I owe with no proof.

Oooh Look....Flying Pigs

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Hi guys,

 

I've now recieved a letter from Ultimate Credit Services who say I owe £140 to MEM Consumer Finance Limited.

 

I've never heard of MEM and Payday Loans etc etc.

 

The letter also had my road but no house number and they just put the county I lived in and not the area!!!!???

 

The letter also looks like something that I could have created on Microsoft Publisher!

:!: Activ Kapital 2009 - £316 debt cancelled due to no credit agreement

 

:!: TNC Legal Collections (Swinton) - £61 written off due to complaint being upheld with the FOS

 

:D Be Happy and treat people exactly how you would like to be treated

 

:mad: Don't let people take advantage of you and stand up for your rights and beliefs

 

:p You only live once so don't take things so seriously

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well if you're asking over the phone they don't have to send it. As I said before you have to ask in writing and there's a statutory fee of £1. If you've sent the standard CCA letter and enclosed a postal order for £1 and they ignore it then notify the OFT.Send it recorded delivery and after 12 days they can't do ANYTHING until they send it (along with an assignment letter and statement of account). Just google their name and you'll see they have a website so they seem "real" in that sense.

 

Just send the CCA request in writing and then go from there. If they don't play ball contact the Office of Fair Trading.

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