Jump to content

You can now change your notification sounds by going to this link https://www.consumeractiongroup.co.uk/index.php?/&app=soundboard&module=soundboard&controller=managesounds

 

You can find a library of free notification sounds in several places on the Internet. Here's one which has a very large selection https://notificationsounds.com/notification-sounds

 

 

BankFodder BankFodder

 

BankFodder BankFodder


  • Tweets

  • Posts

    • Another thing, they say they have photographic evidence of the entry and exit times, but have not included it in the SAR. If they have photos shouldn't they provide them in the SAR? And if they don't have them now, how can they prove anything?    Should I ask OBS to produce the photos?
    • Is this any better?  I've resigned myself to losing. Admittedly, I don't quite know what I'm doing. I just hope I get a remote hearing, that should save me some embarrassment.      1) The Claimants pleaded case is that the Defendant entered into an agreement with Provident subsequently assigned to Vanquis Bank Limited under account reference xxx.    2) It is admitted I have had financial dealings with Provident in the past. However, have no recollection of the alleged reference number the claimant refers to.   3) In February 2019 I made a formal written request to the Claimant for them to provide me with a copy of my Consumer Credit Agreement as entitled to do so under sections 78 of the Consumer Credit Act 1974.    4) On the 21 June 2019 the Claimant sent a response which enclosed a reconstituted copy of an agreement, default notice, notice of assignment Provident to Vanquis, notice of assignment Vanquis to Lowell. [EXHIBIT x, x & x].   5) On 30/07/19, I received a claims form from the County Court Business Centre, Northampton, for the amount of £369.84. The claimant contends that the claim is for the sum of £369.84 in respect of monies owing under an alleged agreement with the account no xxxx  pursuant to The Consumer Credit Act 1974 (CCA).   6) Contained within the claimants particulars the claimant states that the account was subject to assignment from Provident to Vanquis. The claimant states a further assignment to them occurred on 12/06/2017 with notice given.    7) It is denied notice of assignment from Provident to Vanquis and subsequently Vanquis to Lowell were ever received.    😎 The claimant states documents were received at both addresses. The claimant doesn’t appear able to confirm my address and therefore cannot say with certainty said documents were received. Furthermore, the client did not issue said documents and therefore cannot prove delivery.     9) It is denied any communication took place with myself and Vanquis Bank Limited. Any alleged legal assignment to part of the “Fresh Start” initiative had not been informed. I have no previous knowledge.   10) Under the consumer credit act 2006, until debts have been repaid, there is an obligation to send statements and notices to the debtor at prescribed intervals at no more than 12 months. The statement should explain the money borrowed, money paid, interest in all cases and the outstanding amount. Consequences of failing to make repayments and the opportunity of making minimum payments should be informed. The Claimant has submitted a statement of accounts dated March 2019. This having followed my request for a credit consumer agreement. It is denied this document and any such required statement of accounts required under section 77A during the alleged agreement were ever received.   11) The claimant states that a default notice was issued on 18thJanuary 2017. The payment date requested by Vanquis Bank Limited on said document is  28thFebruary 2017. The formal Notice of Default that was accompanying this letter displays a requested payment date, 28thFebruary 2019. (Exhibit x, x)   12) I argue that this is not in fact a COPY of an original default notice, that they state was issued during February 2017, but that this is a fabricated version of a default notice created by Lowell. Either way the default notice was not issued by the assigned creditor (Vanquis).   13) It is therefore contended that the original creditor failed to serve a valid Default Notice pursuant to section 87(1) Service of a notice on the debtor or in accordance with section 88 (a “default notice ”) is necessary before the creditor or owner can become entitled, by reason of any breach by the debtor of a regulated agreement.   14) The Claimant states a default notice was not required. If there is a default in payments during the fixed term a default notice must be issued. The Claimant states they were informed a default notice was sent on 18thJanuary. The Claimants case relies upon being informed and does not constitute fact.   15) It is denied a default notice was ever received.    16) It is admitted I responded to the Claimant’s pre-action protocol letter addressed in my name. I indicated I did not know if I owed the debt. I indicated as such having no recollection of affiliation with Vanquis nor Lowell. A default for the allege debt appearing on my credit file only November 2019.    17) I understand that the claimant is an Assignee, a buyer of defunct or bad debts which are bought on mass portfolios at a much reduced cost to the amount claimed and which the original creditors have already written off as a capital loss and claimed against taxable income.   As an assignee or creditor as defined in section 189 of the CCA this applies to this new requirement on assignment of rights. This means that when an assignee purchases debts (or otherwise acquires rights under a credit agreement) it also acquires certain obligations to the borrower including the duty to comply with CCA requirements (such as the rules on statements and notices and other post-contractual information). The assignee becomes the creditor under the agreement. This ensures that essential consumer protections under the CCA cannot be circumvented by assigning the debt to a third party.   18) Under Civil Procedure Rule 16.5 (4) Where the claim includes a money claim, a defendant shall be taken to require that any allegation relating to the amount of money claimed be proved unless he expressly admits the allegation. Therefore, it is expected that the Claimant be required to prove the allegation that the money is owed as claimed.
    • Ok I’m still thinking about this PayPal but only because ive been reading other forums and them saying that PayPal sells the debt to other companies and then they chase you for it .   Here are the other debts I have below and I’m still paying them all but now really struggling with it as I’m now full carer and no tidy income. None of these have I failed to pay yet to date and ive never been to court or anything and no criminal record ive always been clean & tidy and always paid things without fail but due to circumstances already said about ive now got deeper in owing more and just really struggling now and cant afford all the payments I’m paying plus then all the interest that keeps going back on them.   Nationwide building society credit card  £4,400 Nationwide building society overdraft £345 Capital 1  £2,594 Argos credit/store card £1,904   the wife also has   Nationwide credit card £1,600 Argos credit/store card  £1,875 Capital 1  £1,280   Its the Nationwide bank I’m really wanting to keep sweet as ive been with them since I was like 17 and I’m 50 now plus I use it for all direct debits and car insurance / life insurance etc etc plus I rely on the overdraft from month to month.   
  • Our picks

    • Currys Refuse Refund F/Freezer 5day old. Read more at https://www.consumeractiongroup.co.uk/topic/422656-currys-refuse-refund-ffreezer-5day-old/
      • 5 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 
      • 6 replies
    • The courier industry – some basic points for customers. Read more at https://www.consumeractiongroup.co.uk/topic/421913-the-courier-industry-%E2%80%93-some-basic-points-for-customers/
      • 1 reply
    • The controversial sub-prime lender says the City watchdog is investigating its practices.
      View the full article
      • 0 replies
style="text-align:center;"> Please note that this topic has not had any new posts for the last 3949 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 got a wonga loan last year but did not pay back on agreed date since then i have arranged to pay them 43.75 fortnightly but now cannot afford to pay that i have already canceled my bank card do i now contact the lady who is dealing with it to try and see if i can make the payments smaller or wait until the pass it to a dca please help

Share this post


Link to post
Share on other sites

Firs thing you need to do is contact Wonga, the person you dealt with in the beginning to set up your arrangement.

Explain what has happened and then tell them what you can pay.

 

If agreed get it in writing etc.,

Once you have done that get back here and let us know what happened.

 

Ask for their bank details to pay money into their bank account, and ask for a reference number to put on it.

I have their bank details if you need them.

 

They may request a break down of what you have coming in and going out.

 

How long has your agreement been running?

 

bub1

Share this post


Link to post
Share on other sites

I heard that wonga will not do anything but chase. if you don't pay they will write it off.

Share this post


Link to post
Share on other sites

I think their may be a problem at Wonga. My payment was due on the 25th but the card was cancelled and they still havent sent an email/text or phone call!

Share this post


Link to post
Share on other sites

I have now had an email saying that it will be their last one than it will be going to their solicitors i have tried all week to got the person who was dealing with it but all i get is that person is not in the office what do i do now

Share this post


Link to post
Share on other sites

Hiya,

 

Bub set me on the road to sorting it out with this lot and they do appear to have been prepared to accept payment arrangements with most folk although you have to be persistent.

 

Between us on here we have bank account details for the firm, specific email addresses (Bub went straight to theire CEO!:cool:) and eventually some success in reasonable repayment agreements. Not sure it is good form to post specifics up on here but have a look round the Wonga threads and a well placed PM or two will gain you more specific info for the company. I would not worry about the "solicitors" at this stage, part of the tactics to scare you into paying more than you can afford.

 

Best thing is to persist with realistic and affordable repayment proposals and not be swayed. Start paying them when you have the account details (with reference to track payments and ideally by Standing order so no funny business with your bank account). Do not provide I & E as they will almost certainly not be interested or take account of your priority debts. Advise them that if this arrives in court they are going to get pro-rata payment which is likely to be less than you have offered in the first place. Experience so far has been they will agree to this - if not post back and I would think folk would suggest treat as disputed debt (amount owed and needs to be repayed but dispute how much and realisitc time frames).

 

I am still not aware that any of these have gone as far as court or to date even defaults on file.

 

Hang in there and stick to your guns :)


MJC 007.5 :cool:

 

Advice or opinions offered by mjc 007.5 are personal, offered in good faith and without prejudice or liability. Your decisions and actions are your own and should you be in any doubt then please seek the opinion of a fully qualified and insured professional

 

:) If you think I have helped you please feel free to click on my scales :)

Share this post


Link to post
Share on other sites

Be persist with Wonga.

Dont worry about solicitors etc., they will agree a repayment plan you just have to keep at it. As was said I went straight to the top after fishing around for the details.

 

If you dont have any joy, pm me and we will see what can be done.

 

Bub1

Share this post


Link to post
Share on other sites

hi bub i have received email as well form wonga as final deman and the same they threatened to take me to court.i've been paying them for almost 3 months now of what i can afford.they wont respond directly to all my emails that i've been paying monthly.i cant call them as i cant afford it.any advise please.

Share this post


Link to post
Share on other sites

Hi Honey,

 

When you say you have been paying them for three months is this with their agreement?

 

If it is then I would keep paying, email them back reminding they agreed to the repayment arrangement that you are maintaining (if you can quote the original date and text of an email confirming this all the better), insist that they respond confirming this is the case and wait for their next step.

 

If it is not, I would still keep paying the monthly amount you can afford but respond with some of the tools at your disposal here (if not already) - CCA request, telephone harrasment letter, doorstep visit letter (or merge the two). Complaints - OFT, FSA, Trading standards. Tell them you are disputing the charges which have been added since they have frustrated your attempts to maintain a resonable payment plan by their refusal to respond.

 

If they do actually get brave enough to take you to court they would have to justify interest rates and be open to attack around unfair contract terms and to now experience suggests they simply will not go there. Also bear in mind that if you have worked out a realistic I&E (either yourself, with the help of folk here or via one of the free providers) and have been paying them the amount you can afford from that it is VERY unlikely that any judge would find in their favour. Going to court in many ways potentially then makes them more vunerable.

 

In the meantime, keep away from speaking with them (unless you are able to guarantee that that the only thing the conversation is about is confirming they are accepting your payment arrangement) and hang in there :)


MJC 007.5 :cool:

 

Advice or opinions offered by mjc 007.5 are personal, offered in good faith and without prejudice or liability. Your decisions and actions are your own and should you be in any doubt then please seek the opinion of a fully qualified and insured professional

 

:) If you think I have helped you please feel free to click on my scales :)

Share this post


Link to post
Share on other sites

Honey, what you need to do is write (Email) them and say that you have been paying x amount and they have never refused payment. Also, state that you cannot afford what they ask that is why you are paying what you can. Then get them to set up a payment plan.

 

Do not ring them. Email everything you have copies then.

 

Tell them you will be talking to government bodies with the view to having them investigated as they are taking your money but refuse to set up a regular plan.

 

Bub1

Share this post


Link to post
Share on other sites

i received an email thanking me for paying back my loans which i have not when i went in to the site and logged in it was going to let me reloan which im not going too

Share this post


Link to post
Share on other sites

I think you should not be fooled with this email etc.,

If you still intend to pay back the loan you had with them either put the money into an account so that you can say to them if they chase that you want to pay the money back and have so much towards it. Or pay it direct into their bank account putting the reference as your name.

 

bub1

Share this post


Link to post
Share on other sites

Hi mmmmcco

 

Bet they were after your bank card details.

 

Rather than reloan you they probably had other ideas ;)

 

Never trust them

Share this post


Link to post
Share on other sites
i received an email thanking me for paying back my loans which i have not when i went in to the site and logged in it was going to let me reloan which im not going too

 

I also got that email yesterday - they most likey had another system email error. They sent me another email today saying it was an error and they will get a DCA on my case - but this account is still in dispute with the FOS ( who are taking their time):rolleyes:

Share this post


Link to post
Share on other sites
I also got that email yesterday - they most likey had another system email error. They sent me another email today saying it was an error and they will get a DCA on my case - but this account is still in dispute with the FOS ( who are taking their time):rolleyes:

 

 

 

Hi, write to Wonga (email) and state that your case is with the FOS and if they refer your account to DCA then you will also tell the DCA that your case is with the FOS. You could try chasing up the FOS to see what is happening.

Have you actually paid wonga anything?

 

Bub1

Share this post


Link to post
Share on other sites

ditto with email. Can say much but sent them a very nice reply saying it was good to hear from them for a change. ERROL you should be consistant in what you say! YES THAT IS A MESSAGE TO YOU ERROL DAMRON or whoever you are!

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...