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    • Hi   It amazes me how they pass the buck as they don't want to deal with a private homeowner but if the shoe was on the other foot they would be hammering down on you for breach of tenancy.   As this is council housing you need to make a Formal Complaint in writing to the Council Housing about this (as a social housing landlord they have a complaints process they have to follow). you need to exhaust their complaints process. Make sure and title your letter Formal Complaint.   From what you have posted this tree is not just a nuisance but also a Health & Safety risk:   1. The tree being overgrown is now a danger to the occupants/Guest/Visitors to your property   2. The tree has overgrown into the Council Housings Boundaries your property causing damage/endangerment to the occupants/guest/visitors.   3. As the roots of the tree are also overgrown into your property you have concerns that these may be causing/damaging to any underground pipework that may be within the boundray of the property.   4. So far the Councils actions have been to treat their Council Housing tenant as a third class citizen with a private homeowner aloud to cause endangerment/possible damage due to these overgrown trees which are encroaching on your council house property/bounderies.   You also require clarification why you were sent the Healthy Neighbourhood Information which states I have to pay £375 to make a complaint. (make sure and attach a copy of the response that states this cost)   You also require copies of the following:   1. Complaints Policy (not the leaflet) 2. Customer Service Standard (not the leaflet) 3. Health & Safety Policy (not the leaflet) 4. Public Liability Insurance Policy. (not the leaflet) 5. Clarification from you if their is any underground pipeworks running through the bounderies within the garden area (you should have full knowledge of this it being your property/plans) 6. Compensation Policy (not the leaaflet) 7. Equality & Diversity Policy (not the leaflet)   When you get the above policies sit with a pen/pencil/highlighter and take you time reading them and just think to yourself 'DID THEY DO THAT' if not mark it then leave it for a while then do the same again this way you can basically throw/write back stating the haven't followed x policy with which part of that policy and your reason. (you are building evidence to use against them using their own policies. I would also like to refer you to The Local Government (Miscellaneous Provision) Act 1976: http://www.legislation.gov.uk/ukpga/1976/57/part/I/crossheading/dangerous-trees-and-excavations     You need to remember yes it is the Council but the Council Housing is a separate entity and is a Registered Social Landlord (RSL)   Is the Council Housing classed as a registered Charity? (what is their registration number whether charity or RSL?)   Also have a wee look at this CAG link:     
    • @rocky_sharma   Fame at last!!   Dunno how much help it would be in your case, but I could try digging out the txt of my defence if you think it might be relevant to your defence. We might hafta do this via PM, then e-mail though if ya wanna go down that route.   Good luck with yours anyway mate.
    • The car finance firm, owned by Provident Financial, voluntarily handed the money to all 5,933 customers potentially affected by the breaches, which occurred between April 1, 2014 and October 4, 2017. It was also fined £2.77m by the Financial Conduct Authority for the way it behaved. The FCA said Moneybarn's actions meant more than 1,400 customers, many of whom were vulnerable, defaulted on their loans after entering into 'unsustainable short-term repayment plans'. This meant that they were punished with extra fees and charges, which many could not afford. https://www.dailymail.co.uk/money/markets/article-8013573/Moneybarn-pays-30m-customers-failing-treat-fairly.html   dx  
    • Tie him to a chair with Gaffa Tap.... Sorry thinking out-loud there Keep me posted  
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Im not sure how to do that... its a new thread ..go under paydayloans and ive named it Ptp - listen up guys... hope this helps?

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Hi Guys, be gentle with me this is my first post! And guess what.....i am having trouble with PTP! Last week i cancelled my DD, basically because my wage didn't go in on the day it was meant to so i cancelled so i wouldn't get charged by the bank. Once i cancelled it i realised that i cannot carry on like this, reloaning every month and paying £80 for the pleasure. I recieved a call from Stephen Clarke informing me that the DD had been cancelled, he asked me to call back the day after and pay the balance in full and he would kindly(?) remove the charge.

 

I cannot do this, so on Monday he called my mobile while i was at work (i didn't answer) and then he called work, luckily i answered as i just instinctively knew it was him. Stupidly i just said no she's not in so he left a number (why, oh, why did i not say she's left the company?!?). Thing is i'm not allowed calls at work, i work in an open office so is very embarrassing and i do not answer the phone!.

 

I have today wrote and emailed them with this letter:-

 

"Just to keep you informed, yesterday I wrote a letter to your company asking you to correspond with me in writing / email over this debt and not by telephone. This was sent first class to your office in the Isle of Man.

It is my right to request this and failure to do so means that you will be breach of The Communications Act 2003 and The Administration of Justice Act 2003. Failure to comply means you will without hesitation be reported to OFCOM, Trading Standards and The Office of Fair Trading – meaning your company will be liable to substantial fines.

I am not ignoring this debt, contact by letter and email proves this.

I am unable to pay the debt in full; this is due to unforeseen circumstances which have meant I have been unable to work. I have proof of this and can send if required.

Copies of all letters and emails will be kept as evidence should you fail to comply. Any telephone calls will be also kept as evidence and recorded. Please ensure that ALL my telephone numbers are removed from your system.

I trust that this meets with your approval and look forward to receiving your written response"

I am panicing now as to them calling work again, does anyone think this will work? Have i put the right thing?

 

I know i am quite a few weeks off being passed to Clarity, but can't cope stressing everytime the phone rings at work!

 

ADVICE PLEASE FOR A NEWBIE :)

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Hi looby lou.

 

Unfortunately PTP are going to bombard you with telephone calls for the next couple of weeks.

 

Do not answer their security questions and tell them that you will only correspond by email or mail. They will soon give up and pass your account to Clarity.

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Its the calls at work that worry me, not my mobile!

 

I just can't do with the humiliation especially as its an open plan office.

 

Why, oh, why did i get involved with these morons!

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Hi looby lou.

 

Unfortunately PTP are going to bombard you with telephone calls for the next couple of weeks.

 

Do not answer their security questions and tell them that you will only correspond by email or mail. They will soon give up and pass your account to Clarity.

 

Oh you're not wrong their......just had two phone calls in quick succession on my mobile, obviously from them as it comes up "unknown" and no message left.

 

Great!!!

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Hello,

 

Don't worry I had the same with PTP they did not bombard me with calls at work or at home. I think I spoke to them about 5 occasions. I dealt with e-mails and specifically told them I do not take calls at work. They passed me on to Clarity within 5 weeks and I am paying £10.00 per month sometimes missing a month and even then only get a letter from Clarity asking me to contact them, which I don't. I owed £900. So stop worrying it will be OK.

 

Regards,

 

Masdhmallow

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Hello,

 

Don't worry I had the same with PTP they did not bombard me with calls at work or at home. I think I spoke to them about 5 occasions. I dealt with e-mails and specifically told them I do not take calls at work. They passed me on to Clarity within 5 weeks and I am paying £10.00 per month sometimes missing a month and even then only get a letter from Clarity asking me to contact them, which I don't. I owed £900. So stop worrying it will be OK.

 

Regards,

 

Masdhmallow

 

I think it must depend on who your "account manager" is....people are writing about this "gavin" and he sounds dreadful! Mine is Stephen. i've just emailed the customer relations team, copied Stephen in and also copied the FOS in as i have already requested they do not contact me by telephone.

 

Roll on Clarity :)

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Well I think you have been very lucky there, unfortunately for many of us this isnt the case. If you had the misfortune of having them call you perhaps you would feel differently :)

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Hi

Sorry to have to reply but I cannot seem to find a new link to post a thread. I have a payday loans with PDP which I have had for nearly a year and am finding it increasingly hard to keep paying them back and reloaning with them. I did default once and received a letter from clarity informing me that I had to pay the debt in full etc. I panicked and paid in full only to reloan again! I really want to get out of the vicious circle but am scared if i default clarity will not accept a repayment plan. As anyone had this problem.

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Hi

Sorry to have to reply but I cannot seem to find a new link to post a thread. I have a payday loans with PDP which I have had for nearly a year and am finding it increasingly hard to keep paying them back and reloaning with them. I did default once and received a letter from clarity informing me that I had to pay the debt in full etc. I panicked and paid in full only to reloan again! I really want to get out of the vicious circle but am scared if i default clarity will not accept a repayment plan. As anyone had this problem.

 

Hi - PDL's are meant to be viewed as a short term loan and not taken over a period of time. I was in the same trap with PTP and defaulted due to not being paid on the correct day but to be honest it was the best thing i've done as i was paying £89 every month in interest and not paying any of the debt off.

 

The only thing that concerned me was the constant phone calls from the "account manager" - i simply emailed them asking them to take my numbers from their records and haven't heard anything since! I am now playing the waiting game for Clarity!

 

If you send a full income & expenditure all they can do is accept what you offer - be firm even if they reject the first time. They will eventually accept (especially as over the year you would have more than repaid your loan!!!!).

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Hi guys..... After carefully considering all my options, today I decided to cancel my Direct Debit with PTP. I sent them a message online to tell them that I will be unable to meet the repayment date on Friday, and as such, I have had to cancel my DD. I wrote to them that I would like to negotiate a payment plan..... sounds like this is where the fun begins, eh? I'm expecting to be bombarded with calls now..... the general consensus is that they hound you.... the only relief is that the office number they have has now been disconnected hehehe :-) I have been thinking for a long time about just cancelling the DD with them, not because I don't want to pay, but because im struggling to pay the £130 interest each month.... anyway, after reading all your posts carefully, I decided to do it, and in a way im kinda geared up for a fight now!! ALthough a bit aprehensive about it hehe....

 

So, now that I have cancelled my DD, what comes next?!?!

 

Thanks

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Now that you have cancelled the direct debit the next thing that will happen is the phone calls and e-mails will start. I received around 3-4 calls per day and about the same amount of e-mails for around 7-10 days. I spoke with the account manager who was 'assigned' to me - the wonderful 'Gerry Maguire' (Hi Gerry) and made it totally clear that the odds of it snowing in the Sahara would be better than me making full payment there and then. He got quite abusive on the phone (be prepared for this) until I kindly informed him 10 minutes into the call that it was all being recorded and WOULD be sent to the OFT etc at which stage he promptly hung up - LOL. If you speak to them just be firm and tell them you cant pay in full and stick to this - they will soon get fed up. After this the debt will be passed onto Clarity and you will get a letter asking you to contact them -it took 6 weeks for this letter to arrive on my doorstep. Clarity are pretty good to deal with and you should have no problem negotiating a monthly payment with them and as long as you stick to it you should get no further hassles. Remember to only offer a payment you CAN afford and dont let them try and corner you into paying more than affordable. I wish you the best of luck and I am sure you will be fine and you will get all help needed on here. Remember you are not the 1st to go through this and unfortunately probably wont be the last and the amount of experience I found on here when I was in same situation was invaluable.

Keep us informed

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I have had a really quiet time from them to be honest! Think i've been lucky! My account manager was Steven Clarke....he rang me twice - tried me twice at work then i emailed saying i won't be accepting calls etc and sent it to customer relations team etc and threatened to take them to FOS and it all went quiet!

 

That was on 04 November and not a peep since :D

 

Just playing the waiting game now and waiting for Clarity!

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Hi guys..... After carefully considering all my options, today I decided to cancel my Direct Debit with PTP. I sent them a message online to tell them that I will be unable to meet the repayment date on Friday, and as such, I have had to cancel my DD. I wrote to them that I would like to negotiate a payment plan..... sounds like this is where the fun begins, eh? I'm expecting to be bombarded with calls now..... the general consensus is that they hound you.... the only relief is that the office number they have has now been disconnected hehehe :-) I have been thinking for a long time about just cancelling the DD with them, not because I don't want to pay, but because im struggling to pay the £130 interest each month.... anyway, after reading all your posts carefully, I decided to do it, and in a way im kinda geared up for a fight now!! ALthough a bit aprehensive about it hehe....

 

So, now that I have cancelled my DD, what comes next?!?!

 

Thanks

 

you'll have to let us know who your "account manager" is - Gavin is aparently a tw*t, Steven is ok, Angela is ok and Gerry doesn't give in!

 

:)

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you'll have to let us know who your "account manager" is - Gavin is aparently a tw*t, Steven is ok, Angela is ok and Gerry doesn't give in!

 

:)

 

I must say so far all is quiet. I did have a telephone call from an "Unkown" number on my mobile, but I was on another call at the time and so I didn't answer it. No email either. Maybe since my repayment date is not till Friday, it will remain quiet till then?!?

 

As for my "account manager" I have read all the comments about them, and I was thinking about saying something if it is Gavin, something like "Oh I have heard about you" - something to instantly get his back up haha... Or something like "Oh, damn, I was hoping for Angela"!

 

Thanks to all the posts on here, I am kinda geared up to fight this, and now better my rights and where I stand with this shower of sh*t. Thanks to all. Will of course keep you posted! :)

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And I am not prepared to take any of their nonsense on the telephone and will not tolerate bullying or intimidation. If they become threatening or aggressive, I will do as suggested and tell them the call is being recorded and that I am reporting the person directly to the OFT. If they think they are going to treat me like a piece of dirt they have another think coming, as said previously, I know my rights, thanks to the forum... and I wouldn't let my family speak to me in a threatening tone, so i'm not taking it from someone on the end of a phone.

 

Maybe I will be one of the lucky ones and not receive so many calls!!

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I must say so far all is quiet. I did have a telephone call from an "Unkown" number on my mobile, but I was on another call at the time and so I didn't answer it. No email either. Maybe since my repayment date is not till Friday, it will remain quiet till then?!?

 

As for my "account manager" I have read all the comments about them, and I was thinking about saying something if it is Gavin, something like "Oh I have heard about you" - something to instantly get his back up haha... Or something like "Oh, damn, I was hoping for Angela"!

 

Thanks to all the posts on here, I am kinda geared up to fight this, and now better my rights and where I stand with this shower of sh*t. Thanks to all. Will of course keep you posted! :)

 

It used to come up on my phone as "unknown" too - thats because they are calling out of the Uk i think! I was so pleased I didn't end up with Gavin! :D

 

At least they won't be harrassing you at work as the number is disconnected! ;) That was my only worry with them as its really embarrassing!

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It used to come up on my phone as "unknown" too - thats because they are calling out of the Uk i think! I was so pleased I didn't end up with Gavin! :D

 

At least they won't be harrassing you at work as the number is disconnected! ;) That was my only worry with them as its really embarrassing!

 

Yeah, i'm saying that, probably I will go home tonight and find 200 calls on my house phone hehehe. Should they be contacting me now, or after Friday which will be my repayment date? As I said, I sent them an email to tell them that I am unable to meet this repayment.....

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Yeah, i'm saying that, probably I will go home tonight and find 200 calls on my house phone hehehe. Should they be contacting me now, or after Friday which will be my repayment date? As I said, I sent them an email to tell them that I am unable to meet this repayment.....

 

Not sure tbh, i was naughty and cancelled my DD and didn't inform them! That was a Tues (payment due Weds) and first phone call was Sat morning :)

 

At least on your home phone though there isn't the embarrassment of nosey work colleagues! :D

 

I sent this letter:-

 

 

LOAN NUMBER: XXXXXX

 

Dear Stephen

 

 

Just to keep you informed, yesterday I wrote a letter to your company asking you to correspond with me in writing / email over this debt and not by telephone. It is my right to request this and failure to do so means that you will be breach of The Communications Act 2003 and The Administration of Justice Act 2003. Failure to comply means you will without hesitation be reported to OFCOM, Trading Standards and The Office of Fair Trading – meaning your company will be liable to substantial fines.I am not ignoring this debt, contact by letter and email proves this.I am unable to pay the debt in full; this is due to unforeseen circumstances which have meant I have been unable to work. I have proof of this and can send if required.

Copies of all letters and emails will be kept as evidence should you fail to comply. Please ensure that ALL my telephone numbers are removed from your system.

I trust that this meets with your approval and look forward to receiving your written response.

Yours sincerely,

 

It seemed to do the trick anyway! Also your account managers email address will be

initial.surname@poundstillpayday.co.uk, i also found customer.relations@poundstillpayday.co.uk useful x

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Oh I have to admit I do miss my slanging matches with Gavin, be it via email or telephone call!!!

 

I contacted them on the customer relations address and requested only to be contacted in writing, they kept to this but when I explained that I was still only prepared to pay in installments they said they will send it to external agencies. I replied simply that I look forward to hearing from them and that was a while ago so should here back soon now.

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Not sure tbh, i was naughty and cancelled my DD and didn't inform them! That was a Tues (payment due Weds) and first phone call was Sat morning :)

 

How long ago was that Lou?

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My payment was due on Wednesday 28 October 2009

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