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    • Hello dx100uk, After months of waiting for a response I finally got a reply and I must say it was the worst 4 months of my life the - fear of the unknown. So, they wrote back and said I was in the wrong BUT on this occasion they  would not take action but keep me on file for the next 12 months. It. was the biggest relief of my life a massive weight lifted -  I would like to thank you and the team for all your support
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    • Yup, for goodness sake she needs to stop paying right now, DCA's are powerless, as .  Is it showing on their credit file? Best to use Check my file. All of the above advice is excellent, definitely SAR the loan company as soon as possible.
    • Hi all, I am wandering if this is appealable. It has already been through a challenge on the Islington website and the it was rejected. Basically there was a suspended bay sign on a post on Gee st which was obscured by a Pizza van. The suspension was for 3 bays outside 47 Gee st. I parked outside/between 47 & 55 Gee st. I paid via the phone system using a sign a few meters away from my car. When I got back to the car there was a PCN stuck to the windscreen which I had to dry out before I could read it due to rain getting into the plastic sticky holder.  I then appealed using the Islington website which was then rejected the next day. I have attached a pdf of images that I took and also which the parking officer took. There are two spaces in front of the van, one of which had a generator on it the other was a disabled space. I would count those as 3 bays? In the first image circled in red is the parking sign I read. In the 2nd image is the suspension notice obscured by the van. I would have had to stand in the middle of the road to read this, in fact that's where I was standing when I took the photo. I have pasted the appeal and rejection below. Many thanks for looking. ----------------------------------------------------------------------- This is my appeal statement: As you can see from the image attached (image 1) I actually paid £18.50 to park my car in Gee st. I parked the car at what I thought was outside 55 Gee st as seen in image 2 attached. When I read the PCN issued it stated there was a parking suspension. There was no suspension notice on the sign that I used to call the payment service outside number 55 Gee st. I looked for a suspension notice and eventually found one which was obscured by a large van and generator parked outside 47 Gee st. As seen in images 3 and 4 attached. I am guessing the parking suspension was to allow the Van to park and sell Pizza during the Clerkenwell design week. I was not obstructing the use or parking of the van, in fact the van was obstructing the suspension notice which meant I could not read or see it without prior knowledge it was there. I would have had to stand in the road to see it endangering myself as I had to to take images to illustrate the hidden notice. As there was no intention to avoid a parking charge and the fact the sign was not easily visible I would hope this challenge can be accepted. Many thanks.   This is the text from the rejection: Thank you for contacting us about the above Penalty Charge Notice (PCN). The PCN was issued because the vehicle was parked in a suspended bay or space. I note from your correspondence that there was no suspension notice on the sign that you used to call the payment serve outside number 55 Gee Street. I acknowledge your comments, however, your vehicle was parked in a bay which had been suspended. The regulations require the suspension warning to be clearly visible. It is a large bright yellow sign and is erected by the parking bay on the nearest parking plate to the area that is to be suspended. Parking is then not permitted in the bay for any reason or period of time, however brief. The signs relating to this suspension were sited in accordance with the regulations. Upon reviewing the Civil Enforcement Officer's (CEO's) images and notes, I am satisfied that sufficient signage was in place and that it meets statutory requirements. Whilst I note that the signage may have been obstructed by a large van and generator at the time, please note, it is the responsibility of the motorist to locate and check the time plate each time they park. This will ensure that any changes to the status of the bay are noted. I acknowledge that your vehicle possessed a RingGo session at the time, however, this does not authorize parking within a suspended bay. Suspension restrictions are established to facilitate specific activities like filming or construction, therefore, we anticipate the vehicle owner to relocate the vehicle from the suspended area until the specified date and time when the suspension concludes. Leaving a vehicle unattended for any period of time within a suspended bay, effectively renders the vehicle parked in contravention and a Civil Enforcement Officer (CEO) may issue a PCN. Finally, the vehicle was left parked approximately 5 metres away from the closest time plate notice. It is the responsibility of the driver to ensure they park in a suitable parking place and check all signs and road markings prior to leaving their vehicle parked in contravention. It remains the driver's responsibility to ensure that the vehicle is parked legally at all times. With that being said, I would have to inform you, your appeal has been rejected at this stage. Please see the below images as taken by the CEO whilst issuing the PCN: You should now choose one of the following options: Pay the penalty charge. We will accept the discounted amount of £65.00 in settlement of this matter, provided it is received by 10 June 2024. After that date, the full penalty charge of £130.00 will be payable. Or Wait for a Notice to Owner (NtO) to be issued to the registered keeper of the vehicle, who is legally responsible for paying the penalty charge. Any further correspondence received prior to the NtO being issued may not be responded to. The NtO gives the recipient the right to make formal representations against the penalty charge. If we reject those representations, there will be the right of appeal to the Environment and Traffic Adjudicator.   Gee st pdf.pdf
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Payday Loans - Cancel Debit Card??? **


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Hi,

 

I have 4 payday loans outstanding.

 

PayDay UK

PayDay Express

QuickQuid

UncleBuck

 

 

My question is if I cancel my debit card, will this stop these companies taking payment from me.

 

and if so will I be hit by a charge from my bank for these being declined?

 

 

Is there naything else I can do to stop these payments coming out

 

Thanks

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Cancel the Direct debits with your bank - you should not get a charge if you have cancelled them

 

make sure you check your account everyday these sharks will try and set it up again and take the whole sum

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Hi,

 

Thanks for your reply.

 

I have cancelled 2 direct debits that were on my account and put blocks on them, the only thing im worried about the other ones taking a debit card payment from my account.

 

I have cancelled my card today (reported it lost) in a hope that this will stop any payments they try to take going through.

 

will this incur any charges?

 

Thanks again

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Thanks for the fast responses!

 

One final question:

 

Am I right in thinking that as I have now cancelled my direct debits and cancelled my debit card that these companies will not be able to take any payment from my account?

 

Thanks

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Thanks for your help.

 

I did phone my bank to ask if these payments would still go through and they said, they might be 'forced' through on the old card number!

 

anyone heard of this happening?

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Thanks for your replies, realy appreciated.

 

was worried, I would log on to my internet banking tomorrow morning to find they had taken the lot!!!

 

will keep an eye out for them trying to set up new DDs, anything else I should be vigilant of?

 

Or is it now a case of waiting for the phone calls and trying to sort out a payment plan with them?

 

 

Thanks

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I have read about the difficulty of cancelling these recurrign debit card payments.

 

Is cancelling your debit card the only sure fire way to do it?

 

Are these companies likely to have already set the payment in motion?, what i mean is do they apply fo rit on the day or would it be worth checkign with my bank to see if there are any pending transactions waiting to come off, that might not be stopped.

 

sorry, might be being over paranoid here

 

 

Thanks

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Hiya,

 

In so far as what should happen I would agree with PGH and if cancelled in good time payments should be reclaimable from the bank.

 

However, I am sorry but recent experience suggests what can and does happen is that the payments are "forced" through or the bank allows the company to treat having the card details as a "continuous authority". I have spoken with the card fraud teams of two different companies during the process of trying to sort my own payday loan nightmare and both have been very precise in stating that cancelling the card (or even reporting it stolen) will not in itself prevent the companies from attempting to take monies via the card details and they will not guarantee that payments will not be made. They further attempted to suggest the matter would be a dispute between me and the company involved and they would not view such repeated access as fraud!! :eek:

 

I do not want to be the bearer of bad tidings or scaremonger but this is my experience (and there are others here to). Certainly ensure the bank are completely aware that any further payment claims from these companies do not have your authority, certainly watch the account like a hawk (there has even been a post on here with I think QQ accessing an account overnight!) and certainly give the bank hell if they pay up (I hope I am wrong!) :confused:

 

The only sure fire way of sorting the access issue which is quite drastic (if it is either mutiple lenders or you really cannot sustain anyone draining your account of the full amount) is to switch accounts (the famous "parachute" account). This way you maintain control of your overall monthly budget and can progress to offer a repayment proposal from there. Whilst any proposal you make should be seen to be realistic this reality is based on what you can afford, not what they think you should afford!

 

They will bombard you initially but stick to your guns - I got into deep brown stuff with exposure to these firms (still not out of it yet!) but around 70% have agreed repayment schedules within the last month and the volume and voracity of their communications has slowed right down (I do have a DCA on my case but it is in house for one of the lenders). Insist on everything in writing or email, request account details to repay by standing order (it has been known that payment by card, cheque or direct debit on a new account has resulted in their accessing your new account with the same impunity as they did the first time!!).

 

All can be sorted with the help of the good folk here but it is difficult, particularly initially!

 

Best of luck ;)

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 :)

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Hi everyone,

 

Just wanted to say thanks again for all the information and quick replies yesterday.

 

Logged into my internet banking today and none of the payments from any of the pay day loan companies had come off my account. QuickQuid was showing but it hadnt come off my balance, phoned bank to check and they said, it had been cancelled and that it would drop off my account and def wouldnt be paid to them.

 

none of the debit card payments had come off, so cancelling my card seemed to have worked.

 

Have now instructed bank to transfer full balance over to another account just to make sure they cant get any money out my account by using old card number, or settign up new DDs

 

had a few emails and texts from these comapnies askign me to contact them right away etc.

 

I sent them an attachment of the letter I had already sent them and made it clear that they were to reply to me by email or in writing.

 

so far, no phone calls!!! how long will that last!

 

I did however get a phone call from welcome finance who i had cancelled my DD with and sent letter offering reduced payment. the lady I spoke to seemed willing to help me reduce payments, but said they still need a full payment this month before they can do anything.

 

just looking for a bit of advice as to what to do with this one. should i pay the amount if they can reduce my payment. I would want them to freeze the interest on the account and not add any charges before i would be willing to make the payment.

 

or would it be easier not to pay them and if they then defualt the accoutn and pass it on to DCA start payign them. or will that incur furhter charges on top?

 

anyone here had any similar dealing with Welcome Finance??

 

any help would be realy appreciated

 

 

Thanks

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Thanks, they said they would need a payment today to be able to 'help' me

 

what do you think I should do?

 

 

Also just had reply from Uncle Buck saying they arent willing to accept my payment offer and that if i dont pay todya then it will be passed to collections team and charges etc added

 

anyone have any text I can send to them RE charges being unlawful and account being in dispute etc?

 

Thanks

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dont agree to anything on the phone get it in writing, welcome are in difficulties through their parent company cattles so want all the money they can get;)

 

They seldom help

 

UncleBuck

 

wait until they write

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Should I reply to the Uncle Buck email or just leave it for now?

 

RE Welcome Finance, how likely are they to freeze interst and charges on my account if I ask them to, so i can keep paying them instead of it goign to DCA.

 

how much worse is it to go to DCA than to keep paying original company?

 

 

Thanks

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Should I reply to the Uncle Buck email or just leave it for now? - either/or personally I would send a txt saying all contact in future to be by letter

 

RE Welcome Finance, how likely are they to freeze interst and charges on my account if I ask them to, so i can keep paying them instead of it goign to DCA. - Depends on how much you owe and how good a customer you have been, - but without something in writing to fall back on you could pay the full amount this month and next month they still default you, but they have had some extra money out of you that you are saying to them you can ill afford

 

how much worse is it to go to DCA than to keep paying original company?

 

depends on which pondlife you get, some are easy to deal with some aint

 

 

Thanks

 

You will have to decide yourself, I can only advise not make decisions

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Thing is if you pay the amount that they want, they may say that you are not having difficulties at all as you were able to pay what they wanted.

 

It is for you to decide what to do.

 

Bub1

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Hi,

 

spoke to Welcome and they were initialy wantign me to pay full amount i said as you can see from my SOA i cant afford to pay that. they then said they would take the amoutn i had made in my offer. so i said i would need an agreement in writing in place before i pay anything because that would simply be eaten up by the interest.

 

they werent happy and wrangled on about taking me to court. not gettign money for nothing, could possibly lower the interest but not freeze it.etc.

 

they said that they wouldnt pass the debt onto a DCA and that they would be the ones takign me to court!

 

bottom line is i did not pay them anything, they even asked me to state that i was refusing to make any pyment onto my account this month.

 

I said i was only willing to make the payment once payment plan has been agreed.

 

did i do the right thing?

 

Thanks

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Ok, what did you offer them?

Did they refuse this amount?

Are they willing to put that they refused the amount you offered in writing?

 

You need to state to them in writing that you ARE NOT REFUSING TO PAY, but that you would want them to agree the amount you have offered is acceptable in writing.

 

How do you pay this to them?

 

Bub1

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My monthly payment to them was £136

 

I offered them £91 per month (assuming they freeze interest and charges)

 

they said they wouldnt be able to say if they can accept the amoutn until they speak to the bosses and that they would need to some sort of payment now by debit card in order to do that.

 

I had a DD set up with them, but cancelled it

 

I asked them to send me payign in book or account details, but they saud they dont do that

 

 

Thanks

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Have you got a Welcom Finance Branch near you?

 

If not I would not pay by card as they then have your details.

Do you have a postal address for them?

 

You could send them a Crossed Postal Order for the amount you are willing to pay and explain to them about the problems with the people on the phone.

Other than that you could say that you have had your card stolen and the only way you can pay them is direct into their account.

 

Bub1

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I did say to them i didnt want them havign my debit card details, in which they replied, they didnt keep a record of them and once its processed there on the phone then thats them gone.

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