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    • Do you mean your particulars of claim? – In that case, I'm sorry but I missed it. Please could you indicate which paragraph is at?
    • dx100uk Yes that's the wording.  I'm not clear who the applicant is in this situation!    LR say that the applicant is the buyer or their conveyancer. So in that case as others have said on here - the buyer/conveyancer need only write to the council after the sale.   OR Does 'applicant' in this case refer to the council who made the application for the restriction?    If the former this is dependent on my solicitor and the buyer's solicitor being aware of this type of restriction and particularly the purchaser is unfazed by a 'restriction' on the property. LR confirmed earlier that as my father was a joint proprietor of the property, the charge could not be registered or noted, instead it was protected by registration of a [non-standard] restriction.  If the latter then the council won't do that until I've paid the bill [whatever that is now]
    • Thanks    I have also stated the same right to reject in my WS Hearing is on 23rd October 
    • But they still can send a claim form to your old Address. You won’t even know about it either, therefore won’t be able to defend The next thing you know is when you are turned down for credit and find a fresh, shiny CCJ on your file.   The answer is to let them know your current address via post. That way , if they are stupid enough to try any action, they won’t have a snowballs chance in hell of winning. You have the ultimate defence! It’s statute barred.
    • Also, I should point out that you will win anyway – but you are making it much more complicated than it needs to be. If you simply raise the question of your statutory rights and his breach of obligation then the judge will give you a judgement in your favour within five minutes. Because you have raised pretty well every other issue bar that, the judge will have to consider the entire aspect of the defects and whether they do amount to a substantial breach of contract and whether they could have been repairable et cetera et cetera et cetera. Although you will eventually win, it means that the judge may have a complicated issue to decide and of course it will simply prolong the agony. Simply raising the fact that the dealer refused to comply with your assertion of your right to reject will bring the entire case shuddering to a halt in your favour and the judge doesn't need to listen to any other arguments. He simply needs to see your letter of rejection.
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Negotiatioting with Payday Loan companies. **

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I have 5 payday loans at the moment that i am unable to pay the full rollover amounts on. This has been the case for the last 3mths. I am unable to pay the said amount due to a drop in income/salary. Listed below are the 5 loan providers that i have and each has been defaulted on.


Uncle Buck.

These have been the easiest to deal with, i set up via e-mail a 6 month repayment plan. They accepted no questions asked. They added 1mth loan interest only on the outstanding amount and freezed the remainder. Be careful they will set up a Direct Debit to try and take money from your account.



When they phone (American company) they are courteous and polite. But trying to nePayday Ukgotiate a repayment plan has been impossible to date. They will not accept any repayment plan i propose to them via phone or e mail. They just request i pay the minimun rollover amount.



Unwilling to accept a repayment plan based over 6mths to repay outstanding debt. Passed debt onto DCA after approx 50 days. I did try to negotiate a repayment plan by phone and e mail to no avail.



I have spoken by phone only. They have freezed interest but at this time are unwilling to accept a 6mth repayment plan. Occasional phone call on mobile and at work.



Accepted a repayment plan over 2mths (only owed them £100.



All of the above have had attempted negotiations to repay the full sum of the loan plus one months interest. I have not attempted to get the debt reduced. Hope this helps anyone dealing with these companies.






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Sorry to sound a bit silly but what do you mean that they wont accept repayment over 6months? are you wanting it to be longer or shorter than 6 months.


I have repayments with Paydayuk which will last around 10 months and a simular situation with 1 month loan (oasis) and both have kindly frozen the interest to enable me to pay them off!


I found paydayuk the hardest to deal with as they told me i couldnt afford to pay them but said i must offer a larger repayment offer! I had to bombard them with emails until finally someone accepted it and froze the interest.


I would suggest you hassel payday express until they agree to a repayment plan, and in the mean time whilst they have frozen your balance consider making payments to them to reduce the balance.


I personally have had no deals with uncle buck or quickquid but with regards to quick quid once again hassle them and threaten to report them to the OFT until you get the repayment plan you want!!


good luck

Please sign this petition - Asking for the government to drop the length of time credit ref agencies can hold data on us!!





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I had the full £750 with PDUK (owing them £937.50). They got Keyes Whitlock to threaten a doorstep visit via email so I emailed them back offering a six month repayment plan. Never got a response from KW & just received a letter from Mackenzie Hall.


Been through the OFT guidance & this looks like unfair & / or deceptive as the debt is "deadlocked" (i.e. I've made an offer which they've neither accepted nor rejected). Pretty mad at Muck Hall because they did a credit search on me prior to writing so rattled the sabre a bit & sent them a copy of the email to KW

"Evancosmo" is short for the evanescent cosmopolite.




1st Credit: CCA request sent

Cabot: failed to provide CCA - s.10 DPA letter sent

Capquest#1: failed to provide CCA - s.10 DPA letter sent

Capquest#2: failed to provide CCA - s.10 DPA letter sent

Abbey: on going

Equifax: "attributable data" CCJ removed - Aug 09


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Good luck with them evancosmo! let us know how you get on with them the creapy little squirts!

Please sign this petition - Asking for the government to drop the length of time credit ref agencies can hold data on us!!





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I now have a collections office address for Quickquid if you want to send a letter to there to try and set up payment arrangements.


Get in touch if you do.



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