Debit Card Loans/Chequebook Loans Ltd claimform - PDL **STRUCKOUT + £200 costs**

[s4ddys]

Thanks 42man, some very useful info there. Will keep you all posted on how it goes...............

[s4ddys]

Well an update from me. Got a letter from the courts yesterday saying the claim had been struck out as DCl had not paid the allocation fee.

 

I am now considering claiming for the time I have spent dealing with them from the courts.....................

 

Thanks for all your help everyone and good sound advice in particular 42 man - your an absolute star!

[42man]

GO FOR IT s4....!!

[robjam1969]

Excellent S4

 

DCL are quite keen on the court process, I didn't think they would fancy explaining themselves in court.

 

this will offer encouragement to other who get a claim form for a couple of hundred quid and no worthwhile particulars of claim

 

Well done

Edited December 10, 2009 by robjam1969
typo

[postggj]

could it be they would have to explain the high apr

 

extortionate credit bargin comes to mind

[s4ddys]

Have read a couple of other threads regarding costs so am I right in thinking I now need to complete a N252 form and send that off?

[s4ddys]

Hi all,

 

Does anyone know if there is a fee for claiming costs by submitting a N252 form and detailed assesment of costs?

 

All new to me......

 

big thanks!

 

s4ddy

[42man]

Not sure S4...have you tried ringing the court they should be able to tell you....

[s4ddys]

Submitted N252 form and now awaiting response from them. I'm hoping they dont pay so I can send in the bailiffs........

 

Will keep you all posted on how it goes............

[s4ddys]

Well now i'm really confused!

 

Just rang the court to see if DCL had submitted any points of dispute. The court said not and time for them to do this had now elapsed.

 

I was filling out the Certificate to send back and following the guidelines when it said I needed to include 'the order awarding costs'. I assumed this would be sent to me when DCL didn't reply with there points of dispute so I rang back the court to see if this had been sent. The court advised me that the 'order awarding costs' would have been sent originally if the court had awarded costs, but as the claim had been struck out I could not claim costs. Is this correct?

 

If anyone could advise that would be great.

 

cheers

 

s4ddy

[42man]

Have a look here - http://www.consumeractiongroup.co.uk/forum/legal-issues/149589-help-please-re-ccj-14.html

 

http://www.consumeractiongroup.co.uk/forum/legal-issues/163222-welcome-cohens-case-withdrawn-12.html#post2171743

 

http://www.consumeractiongroup.co.uk/forum/dca-legal-successes/134172-sharpman-nationwide-credit-card-6.html#post1805020

 

PART 38 - DISCONTINUANCE - Ministry of Justice

[s4ddys]

Have read through those threads but still none the wiser. Those threads and CPR seem to indicate I can claim but the court is telling me I can't.

 

Can anyone give me any clarification?

 

Thanks in advance.

 

s4ddys

 

Bump.......

[robjam1969]

I would ask for this thread to be moved to the legal forum. You may get more help.

[s4ddys]

Well result, sent off the forms last week and received a default costs certificate yesterday morning for just over £200.

 

Will be donating 10% to the site when my cheque clears!

 

Big thanks tp everyone who has helped me!

 

regards

 

s4ddy

[dpjg3982]

I have a thread going in debt collectors section with regards to similar scenario with these people

I have just been advised that seems they don't have a consumer credit license and their website is now disabled

[Ell-enn]

I have a thread going in debt collectors section with regards to similar scenario with these people

I have just been advised that seems they don't have a consumer credit license and their website is now disabled

 

Aren't Debit Card Loans part of 4Cashnow which is run by V Gates Ltd ?

[dpjg3982]

as far as I am aware they are run by cheque book loans ltd based in St Albans

That's who tried to take large sum of money out of my account

[Ell-enn]

Must be a different company -I'm helping someone with a debt to the Debit Card Loans company I posted above.

[vicky180]

I have a thread going in debt collectors section with regards to similar scenario with these people

I have just been advised that seems they don't have a consumer credit license and their website is now disabled

 

It seems they do have a licence:

 

©2009 Debitcard Loans Ltd. Consumer Credit Licence No: 583682

 

I am new to the forum, i have read this thread with extreem interest as I am currently in a trap with this particular company myself, i have since checked the signed doucments that i sent in when i took out this loan with debit card loans last june and can see that they do have a blank signed standing order mandate - nightmare!! it feels like im going to be paying these idiots £60 a month forever, my loan is only £300, as soon as I get paid every month they take £60 before ive even got out of my bed! how can i stop them doing this without changing my joint bank account which would be a real pain, i really just want to get this paid back but fear that they wont accept a relistic repayment plan and probably will just end up clearing my account if i even tried to suggest this. please help

[robjam1969]

It seems they do have a licence:

 

©2009 Debitcard Loans Ltd. Consumer Credit Licence No: 583682

 

I am new to the forum, i have read this thread with extreem interest as I am currently in a trap with this particular company myself, i have since checked the signed doucments that i sent in when i took out this loan with debit card loans last june and can see that they do have a blank signed standing order mandate - nightmare!! it feels like im going to be paying these idiots £60 a month forever, my loan is only £300, as soon as I get paid every month they take £60 before ive even got out of my bed! how can i stop them doing this without changing my joint bank account which would be a real pain, i really just want to get this paid back but fear that they wont accept a relistic repayment plan and probably will just end up clearing my account if i even tried to suggest this. please help

 

Welcome to CAG Vicky

 

If they are being paid by debit card you will need to report it lost/stolen. As for standing orders they will set up for all sorts of figures. Some banks think they look iffy and their fraud dept will contact you to see if you are happy with it. Failing this you will need to keep a close eye on your account. The safest way with this company is a new bank account as they have been known to set up a standing order and take payment on the same day. Once your income is safe you can negotiate and they do accept low figures each month. As you will see from this thread they do issue court claims but unlikely they will follow it through if you challenge them like on this thread!

Good luck

 

As for charges warn you bank in writing not to accept any mandates from this company. It may not work but give you some ammo if they charge you.

[s4ddys]

Hi Vicky,

 

Robjam has given good advice about your bank account, I too did not want to change as I would have had trouble getting one with a visa debit etc. The best thing to do is just keep your eye on your bank account to make sure they do not set up a standing order, and if they do just cancel it. Internet banking is usally helpful, I checked mine daily for four months just to make sure.

 

Send a letter to the company revoking the right to set up any standing order on your account, and send a copy to your bank and ask for a response from both to ensure this has been done.

 

I will run you through stage by stage what happened with my account with DCL.

 

I took out a loan for £165 and rolled over paying approx £40 per month interest for 5 months. Total paid to them £200.

 

I cancelled my debit card, and sent them the telephone harrassment letter to stop them contacting me at work etc.

 

They then sent a couple of letters saying I owed £465 including charges, I then sent the CCA Request letter including a breakdown of charges. In the meantime they tried to set up three standing orders on my current account which I cancelled so no payment was taken. I then wrote to the Financial Ombudsman.

 

They sent back the CCA, but no breakdown of charges, and court papers claiming £465.

 

I completed the acknowledge of service and sent them a CPR 31.14 (i think) asking for a copy of the Credit agreement and charges, they never sent this.

 

I submitted my defence to the court including the fact they had not replied to my CPR31.14, all about the fraudulent standing orders and the fact I had already paid £200 which I felt covered the orginal £165 plus fair interest.

 

They failed to pay the fee for the hearing, the claim was struck out.

 

I then claimed costs for time I had spent researching, filling out forms, replying to correspondence etc.

 

Court granted my costs and I got a cheque for £200 yesterday.

 

So my advice would be stick with it, if you have paid back a lot more than the original £300 I would write to them and tell them this, if they threaten to take you to court, explain to them you will see it all the way through, and claim costs if they do not.

 

Sometimes I think court action is best because at least them the matter is dealt with, but that is just my opinion.

 

There are plenty of kind people on this site who will help you along the way!

 

All the best and keep your chin up.

[vicky180]

Thankyou so much for your advice with this, ive been thinking about it alot ive read through all the comments on this thread and ive decided im going all the way this time, these companies are no better than loan sharks even if they have a ''consumer credit licence'' im sure that ive paid them over £500 and my inital loan was only £300 i think this alone would stand up in court their interest rates are just unbelievable but as you all know when your desperate they take advantage of you. I have just made yet another £60 payment to them but ill be ready next time, ive rang my bank who are sending me out a new debit card, i will also get the telephone harrasment letter out to them just before the next payment is due and then ill hit them with the letter refusing to accept any standing order mandate set up by them. I have searched my emails and found the original email thats states to leave the standing order mandate blank - why i did not see through this i dont know, i will then go from there, ill keep you all posted!

Could you give me the best correspondence address for them? do you advise i send all my letters recorded delivery??

Many thanks again for your help with this, this forum is soo helpful and makes you realise that your not alone!

[s4ddys]

Hi Vicky,

 

Good for you standing up to them!

 

THe best address is 834 Dunstable road, Luton, and yes always send everything recorded delivery and dont for get to send your £1 fee if you are requesting a copy of your credit agreement.

 

Keep a record of what you have sent and who signed for it, ref nos etc. A spreadsheet worked best for me.

 

Good luck!

 

s4