Jump to content
  • Tweets

  • Posts

    • This is a tricky one, BMW's , wide wheels, low profile tyres, stiff suspension over deviations, German Cars are known for that.  It might have winter tyres on, that would cause a rumble. My Volvo is also very weird like that.  It could also be a wheel bearing, which isn't expensive but would need to be done. Why not take it to your mechanic for a an inspection, or the AA/ RAC also do that.  I've learnt the hard way that's what you need to do before you buy the car,    What BMW is it?  I would only buy this brand of car at that age if it had a full history of every service and everything that has been spent on it during it's lifetime.
    • If you get somebody to cover for you on those last three days, are you saying you are OK?  ie you don't need to go to work in your old job and you can start the new one?  So that gives you what you want - yes?   If you can't get somebody to cover for you, you've got two potential courses of action - which may or may not be mutually exclusive.  First, ask if you can move your termination date forward by three days.  Obviously you won't get paid for those three days and whether your current trust will agree to this depends on what sort of relationship you have with your manager and how much they will need you to work those three days - or how easy you will be to replace.  If they say OK - you win.   Second, you don't turn up for work on those three days.  You will then technically be in breach of contract and in theory the trust could sue you for any financial loss they suffer as a result.  This would be the cost of employing somebody to replace you for those three days.  Will they need to replace you?  I suspect they would not bother to sue you, but nobody can guarantee they won't.  And what if you want a reference from them in future?  If you've already asked to bring your leave date forward, and they've refused, they may rightly conclude that you are taking the pi$$ if you don't turn up on those days, and they won't like it - or rather they won't like you...   Or, as I said before, get your new start date put back three days.   The thing is, your current employer can't extend your notice period unless you agree.  If they won't allow you to take leave owing to you during that notice period, they should pay you for it.  Whether you should write to them as I suggested earlier is more complicated because the situation is much less clear cut than you originally outlined.  (You had implied that they had already refused your request to take leave owing to you during your notice period and that you would have to extend your notice period to allow you to take that leave.  That isn't quite the position, is it?  And they haven't actually said they won't pay you for any leave you don't take, have they?)   Two other things: first, are you changing employer within the NHS?  If you are, it's a possibility that questions may be asked if you are in the pension scheme and you have two periods of full-time employment that overlap.   Second, your manager's email refers to "your last working day".  This is a little ambiguous and can cause a lot of confusion in the NHS.  You may wish to check whether they mean it is the last day of your employment (ie including any leave you are taking) or is it the last day you are actually present working.  Do you see the difference?  Managers often get hopelessly confused by this without HR guidance.  (And HR often get it wrong).   It's a pity you can't or won't seek union guidance if you are a member - that's what you pay for.
    • And with 33% equity nobody will care either.
    • A look at what business leaders' behaviour off-camera reveals about their real personalities. View the full article
    • Restaurants are cautiously optimistic about their trading prospects as eateries reopen for business. View the full article
  • Our picks

    • Curry’s cancelled my order but took the money anyway. Read more at https://www.consumeractiongroup.co.uk/topic/423055-curry%E2%80%99s-cancelled-my-order-but-took-the-money-anyway/
      • 11 replies
    • Father passed away - Ardent Credit Services (Vodafone) now claiming he owes money. Read more at https://www.consumeractiongroup.co.uk/topic/423040-father-passed-away-ardent-credit-services-vodafone-now-claiming-he-owes-money/
      • 9 replies
    • Currys Refuse Refund F/Freezer 5day old. Read more at https://www.consumeractiongroup.co.uk/topic/422656-currys-refuse-refund-ffreezer-5day-old/
      • 6 replies
    • Hi,  
      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
      I put a few things in my trolley and then did a shop.
      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
      I did and they took me upstairs.
      I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
      I know its unacceptable but I was distracted and Initially hadn’t really planned to use scan and shop.
      No excuse.
      I offered to pay for the goods but the manager said it was too late.
      He looked at the CCTV and because I didn’t try to scan the items he was phoning the police.
      The cost of the items was about £40.
      I was crying at this point and told them I was a nurse, just coming from work and I could get struck off.
      They rang the police anyway and they came and issued me with a community resolution notice, which goes off my record in a year.
      I feel terrible. I have to declare this to my employer and NMC.
      They kept me in a room on my own with 4 staff and have banned me from all stores.
      The police said if I didn’t do the community order I would go to court and they would refer me to the PPS.
      I’m so stressed,
      can u appeal this or should I just accept it?
      Thanks for reading 
      • 16 replies

Negotiatioting with Payday Loan companies. **

style="text-align:center;"> Please note that this topic has not had any new posts for the last 4036 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

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.






Share this post

Link to post
Share on other sites



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!!





Share this post

Link to post
Share on other sites

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


Share this post

Link to post
Share on other sites

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!!





Share this post

Link to post
Share on other sites

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.



Share this post

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.

  • Have we helped you ...?

  • Create New...