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    • So @theoldrouge where was farage during the D-day honors/remembrance ? He was quick to trash Sunak - but at least sunak showed his face heh?   Sunak perhaps needs to slip some dosh to led by donkeys to fund some banners in Clacton heh? Suggestions: D-day - Sunak maybe ran, but Farage never even showed Farage I'm the only one who can change my mind - dont you plebs think you can Clacton, who wants to spend time in Clacton? 48/52 is unfinished business - ooops eerrrr no it is  ...  err well unless is what I lose by Reject me 1 times shame on you, Reject me 7 times shame on me   Hers how: A statesman - and not just in waiting
    • Yep let us have a good laugh eh from today’s Telegraph 🤣😂🤣 the rest must try harder    Farage won Friday’s election debate, a poll finds Nigel Farage won Friday night’s seven-way BBC election debate, according to a poll.  A snap poll of 1,031 voters by More in Common found most thought Mr Farage won the debate, followed by Angela Rayner. Mr Farage received 25 per cent of the vote while Ms Rayner received 19 per cent. The Green Party’s Carla Denyer was the third most popular with 11 per cent, Stephen Flynn for SNP received 10 per cent and Penny Mordaunt, the leader of the House of Commons, took 7 per cent of the vote. Daisy Cooper, the deputy leader of the Liberal Democrats and Plaid Cymru’s Rhun ap Iorwerth took 5 per cent and 2  per cent respectively. The debate saw Britain’s main seven political parties clash ahead of the general election on July 4.  Mr Farage, who returned to frontline politics for Reform this week and is standing as an MP in Clacton, challenged his political rivals on immigration and net zero policies.
    • Hi CAG Team, I'm seeking your skills and help for a NtK my partner received through the post earlier this week. To give a little backstory, my partner and I, along with our young children (4 and 7), decided to go on a camping holiday about 3 hours away from us. We took a car each because we didn't have enough room in one car. We arrived at the services at very similar times as we followed each other the whole way. So, two cars. My partner has received this NtK, but I haven't. This NtK dropped through the front door on Wednesday, June 5, 2024.  We both parked in the Burger King car park, not in BP; we got out, all went for a toilet break, got some food from the BP garage and returned to our cars to eat.  After eating, we took the kids to the toilet again before leaving to complete our journey. I didn't notice any parking restriction signs and can't get back to the location due to how far away it is. I noticed another person had an issue here and reported it to you, and they managed to get the charge dropped. See below. To me, it looks like they have cameras at the complex's entrance and exit. I'm not sure if they own the land/car park by Burger King, I'm not sure if this is a legal contract or not.  I find that 30 mins limit at a Services that serves hot food to be ridiculous and unfair, especially as we had kids to feed and water.  And the fact that I didn't receive the same NtK despite us driving in and out together is just crazy. This is the location - I also uploaded a map image. Google Maps MAPS.APP.GOO.GL ★★★☆☆ · Restaurant 1 Date of the infringement 24th May 2024 2 Date on the NTK [this must have been received within 14 days from the 'offence' date] 29th May 2024 3 Date received 5th June 2024 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?] N 5 Is there any photographic evidence of the event? Y - Only entering and exiting the complex/land. 6 Have you appealed? [Y/N?] post up your appeal] N 7 Who is the parking company? MET 8. Where exactly [carpark name and town] BP Blue Boys, Tonbridge TN12 7HE For either option, does it say which appeals body they operate under. POPLA I hope you can help me out with some guidance on how to proceed with this. Let me know if you need anything else. Thank you, Passerby0233 2024-06-08 13_17_52-Burger King - Google Maps — Mozilla Firefox.pdf NtK_29-05-2024.compressed.pdf
    • Which Court have you received the claim from ? Civil National Business Centre (Northampton) Name of the Claimant ? PRA Group (UK) Limited How many defendant's  joint or self ? Self Date of issue – 23/5/24 AOS - Tues, 11/6/24 (19 days)  Defence - Thurs, 25/6/24 (33 days) Particulars of Claim 1. The Claimant claims the sum of £7926 for an outstanding debt owed. 2. On 20/4/18 the Defendant entered into an agreement with Lloyds Bank for a Credit Card under reference [16 numbers]. 3. On 10/5/22 the Defendant defaulted on the agreement with an outstanding balance of £7296. 4. On 28/11/23 the debt of £7296 was assigned to PRA Group (UK) Limited, who itself assigned the debt to PRA Group UK Portfolios Ltd on 30/12/23. Notices of assignment were sent to the Defendant in accordance with S136 Law of Property Act 1925. The Claimant has instructed PRA Group (UK) to act on its behalf and the CLAIMANT CLAIMS 1. The sum of £7925 What is the total value of the claim? £8481 Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? No Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? Yes Did you inform the claimant of your change of address? I believe I sent a letter by registered mail of a change in address to abroad in 2021. Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit card When did you enter into the original agreement before or after April 2007 ? After Do you recall how you entered into the agreement...On line /In branch/By post ? Online Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Debt purchaser Were you aware the account had been assigned – did you receive a Notice of Assignment? Not personally - probably sent to my parents Did you receive a Default Notice from the original creditor? Not personally - probably sent to my parents Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Not personally - probably sent to my parents Why did you cease payments? Unable to afford, living abroad What was the date of your last payment? Unsure (probably 2021) Was there a dispute with the original creditor that remains unresolved? No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No ................... I have read through a number of similar threads, one thing i'm not sure how to proceed about is that I live abroad in the middle east and have done for several years. The claim letter was sent to my parents address and I really don't want them to be harassed about this. I am sure I sent the original creditor a registered letter with my change of address but can't find this currently. I am not in a position to pay this, and tend to come back to the UK to see family at most once a year (less since Covid),  not particular bothered about my financial score...more concerned about harassment of my parents. I have not registered on the gov gateway or anything like that.  Details below (as best as i can), and thank you for taking the time to look into it. Also redacted claim form attached: Claim form 23-5-24.pdf
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Debt collector that doesn't seemed to be registered! - UPDATE/RESULT - SHARK JAILED


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Hi

 

My mum took a loan out back in XXXX. Due to the extortionate amounts of interest and call out charges this company enforces on its customers she still owes XXXX. The original loan was for around £XXXX

 

My mum has had to go away to visit family and I have been minding the house. The wires for the phone and TV aerial were ripped out when I went round there the other day and a neighbour informed me it was the debt collector from the company she has loaned money off. The company is called M.A.M Finance. When I called my mum she said to leave calling them and that she would sort it all out when she was back, but today a neighbour came to my house to tell me he was trying to break in my mum's house. this has got to be one of the more extreme ways I have heard of a debt collector trying to get in to a debtor's house.

 

I called the police and made my way round there, but when I got there the debt collector had gone and he had stuck a silicone filler over the keyhole denying me access to the elderly and sick cat I am taking care of. The police came and said when the silicone dried to pick it off and the key would work. When I did that - the lock was damaged. I am now waiting for a locksmith to come out and change the lock but this could take up to 24 hours. I am wondering what action can be taken against him. This is not the first time he has used such scare tactics, and the police do not even seem to be that interested.

 

I cannot find a number to say the company is registered with anyone and I have no idea about how to go on helping my mum who already suffers with depression and mobility problems. Can anyone give me any information/advice on how to proceed with this?

:confused:

Thanks

 

NB.....I just found a website for the company but they now seem to be called Urban Cash and not M.A.M Finance. Maybe they trade under both names. I have no idea just thought it might help you to help me (edit)The domain for the site is registered to that company, but that doesn't prove anything does it? How do I find out if the company is registered with anyone?

Edited by 42man
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You Cannot Have What I Do Not Own!!!

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If you know his identity and/or whereabouts then you are in a stronger position - witnesses prepared to make statements are essential though. Is the neighbour likely to be up for it? If so take it up with the Chief Constables office and make sure that you copy in the local press and your MP.

 

Fair chance this goon has tried this lark elsewhere so with a little publicity others may emerge to help bring them down.

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My neighbour has already given her details to the police and we are waiting on them contacting us to get more details in her case, and follow up in mine. It's ridiculous that people are scared by people like him though.

You Cannot Have What I Do Not Own!!!

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Does the neighbour have a camera? If not, can you lend him/her one?

 

I think she does. I am going to see her later on to thank her for the information and also to give her the incident number I have been given because if she calls the police then they'll respond quicker with this I have been told. I wish I could get CCTV up!!!

You Cannot Have What I Do Not Own!!!

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You have got to catch him on camera and fast. He is causing criminal damage to property and that is an arrestable offence. CCTV cameras are quite cheap and easy to install. Good luck with catching him at it.

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Please keep us updated on this.

 

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This is absolutely appalling, who were the original lenders, is this thug part of that company or is he from a DCA. In my opinion I would get on to everyone I could think of to help. Telephone Watchdog tomorrow, contact the CAB or the local court.

 

What time of day does this person 'visit' to perform his vandalism? Ask and or insist that the Police take much more notice of this Crime. contact your MP, Daily Newspapers, anyone and everyone you can think of!!

 

Sorry to go on, but this kind of thing makes my blood boil!!!:mad:

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That website is dodgy I must say.

 

For a start it doesn't display the Typical APR%, the repayments don't add up to the total amount payable (£50.10 x 3 doesnt =140), the application doesn't contain any pre contract info, no consumer credit licence number, no info about how they will process your personal data etc etc.

 

 

I wonder if it is licenced or is registered as a data controller?

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That website is dodgy I must say.

 

For a start it doesn't display the Typical APR%, the repayments don't add up to the total amount payable (£50.10 x 3 doesnt =140), the application doesn't contain any pre contract info, no consumer credit licence number, no info about how they will process your personal data etc etc.

 

 

I wonder if it is licenced or is registered as a data controller?

 

Like i said my mum got this loan a long long time ago. She was put on to the guy by a friend so it is possible he is actually a loan shark. Some friend eh? I have been on the OFT site to get some information and the government thing that says report him to the police - which I have today - but they do not seem interested. I am going to start telephoning people locally that can help on Monday, my mum is due back on Tuesday so hopefully I can put her mind at rest a little by then.

 

I have found that the domain name is registered to the company, but that doesn't actually tell us much does it? Gosh, this is hard work but I couldn't stand it if my mum's health got any worse due to this absolute lunatic.

 

Thanks for all your help up to now

You Cannot Have What I Do Not Own!!!

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you say she has had this loan since 1995???????

 

How much does she pay back a month?

 

JOgs

 

 

To be fair I have no idea. In 199X I was about very young. I know he charges £80 everytime he calls round to the house and he charges £35 late payment charge - that is even if you pay at 1 minute past 12 on the due day. I have no idea what the repayments are but I know she struggles with them because of all the charges he adds on. He doesn't even need a reason to come to the house. Sometimes he'll just turn up and he adds £80 on the total. He has taken goods from the house before too, including stuff that wasn't my mum's. He sells the stuff at auction then, but never takes what he makes off the total.

Edited by 42man

You Cannot Have What I Do Not Own!!!

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When I lived in Salford this company prayed on the people from the poorer estates, didn't think they would be still operating. If you owe this outfit money, I feel sorry for you, they are like the Mafia.

 

Tread very carefully, I would not advise contronting any of the collectors without a baseball bat, and a rotwieler and I am not joking

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When I lived in Salford this company prayed on the people from the poorer estates, didn't think they would be still operating. If you owe this outfit money, I feel sorry for you, they are like the Mafia.

 

Tread very carefully, I would not advise contronting any of the collectors without a baseball bat, and a rotwieler and I am not joking

 

Did any of the people there ever pay off their debts? And we were from quite a poor area ourselves, but like I said it was another woman who gave my mum the number. It's bad that they are allowed to do this though regardless of how "hard" they are. They prey on single women and the infirm by the sounds of it but I need to help. If I can help my own mum then I might be able to help other people in her situation.

You Cannot Have What I Do Not Own!!!

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I have asked another of the team to have a look at this company :-

 

From the OFT Register:

 

 

Licence / Application / Validation Order NoLicensee / Applicant NameLicence StatusPPB Postcode 0622130

M A M Finance Ltd

Current E1 6SA 1

 

So they have a license at least.

 

You really need to speak to Trading Standards and again to the Police.

 

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Licence / Application / Validation Order NoLicensee / Applicant NameLicence StatusPPB Postcode 0622130

M A M Finance Ltd

Current E1 6SA 1

 

 

I don't think this is the same outfit.

 

Quick Cash only operates in Greater Manchester. It seems that it's run by an ex-boxer called Mike Morris, whilst the licenced company above is run by one Salik, and is registered in Brick Lane, London, as a mortgage broker.

 

There's no licence linked to the Stockport postcode Urban Cash/Quick Cash use. The website not only looks amateurish, it also lacks details, such as APR, that have to be shown. Note that the link to 'repayment rates' actually goes to a page about boxing promotions run at the same address by another ex-boxer called Mike Armstrong (though I wonder if Armstrong & Morris are the same person). Neither the loan business or the boxing promoters are registered with ICO, unsurprisingly.

 

In any case, it all looks extremely dodgy.

 

The behaviour displayed by these people so far shows that this is clearly a matter for the police. However, Trading Standards may well be aware of the loan sharks, and in any case will be able to assist the police in dealing with them.

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I don't think this is the same outfit.

 

Quick Cash only operates in Greater Manchester. It seems that it's run by an ex-boxer called Mike Morris, whilst the licenced company above is run by one Salik, and is registered in Brick Lane, London, as a mortgage broker.

 

There's no licence linked to the Stockport postcode Urban Cash/Quick Cash use. The website not only looks amateurish, it also lacks details, such as APR, that have to be shown. Note that the link to 'repayment rates' actually goes to a page about boxing promotions run at the same address by another ex-boxer called Mike Armstrong (though I wonder if Armstrong & Morris are the same person).

 

In any case, it all looks extremely dodgy.

 

The behaviour displayed by these people so far shows that this is clearly a matter for the police. However, Trading Standards may well be aware of the loan sharks, and in any case will be able to assist the police in dealing with them.

 

To be fair i think they are the same person. A family member commented on this earlier and said I always thought his surname was Morris when she came across Armstrong on the site. Is it possible that they jusdt have the same company name then, and they are not registered?

You Cannot Have What I Do Not Own!!!

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You can get at the repayment rates page from

 

http://www.thequickcash.co.uk/rates.htm

 

Not that it offers much illumination:

 

Loan amount 11 weeks ( per week ) 3 Months ( per month ) Payable

£100 £12.70 £50.10 £140

£150 £19.00 £76.00 £210

£200 £25.50 £102.00 £280

£250 £31.80 £127.20 £350

£300 £38.18 £152.72 £420

£350 £44.54 £178.16 £490

£400 £50.90 £203.60 £560

£450 £53.00 £212.00 £580

£500 £64.00 £256.00 £700

Edited by smouk
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