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    • just to be clear, the 'hyper links' are somewhat automatic in the forum software, sometimes we are not a direct party to what issues these are causing users?
    • Thank you for your advice so far, I appreciate it. However, while I don't have a problem with (subjective) reformatting of my posts, adding hyperlinks to keywords, etc., please can you stop editing the content of what I write - in this case, making sure this now potentially appears prominently for anyone searching the purchasing dealer on search engines? It is putting words in my mouth and is just rude. My earlier comments are based on what the dealer told me. Had I known what would have happened, should I have named them, I wouldn't have, as I cannot guarantee the veracity of the claim with my own eyes.    I am aware of the basic intricacies of needing to prove law, and how it works in general, and having to prove loss, etc. The only legal recourse mentioned was if I needed to pay for it myself - and if I need to go that way, I will keep a running update here to help others. I am aware I will have to pay for the repair myself before I go down any legal recourse. There are other aspects of the various acts that can also be explored if it appears they are not following their obligations, other than me paying and claiming back. I am not a lawyer, nor have I needed to understand that the legislation does this depth in the past - hence my asking for assistance here. The only reason I mentioned it in passing is that it is the last resort.   And again, I don't mean to sound ungrateful for the advice given thus far, and appreciate it, and you have already helped. I feel like we have gone straight to level 11.   My current view of this is: It's closer to £9k, having looked at it again today. You may be able to drop £9k at the drop of a hat - but I can't, especially around an already expensive time of the year. And I earn enough to put me in the smaller percentage of the county’s earners. I hated having to type that as it can come across as boasting, but I did it to explain that having that much liquid cash is unrealistic - especially with interest rates what they are. I would have to sell equity, cash out saving etc. This will take time. The only card I have with enough credit limit to cover that much is my company one, which is a no-go. I agree this is taking too long for a simple, albeit expensive fault. It's analogous to fixing a crack in a windscreen. No one would call for an engineer report on that situation to know what the cause and solution was The core driver for me arriving here asking for advice is the additional delay their potential cowboy of an engineering company will introduce. A view reinforced having spoken to them to arrange a date. I am not putting any more exact details or prices at this stage, because I don't want to be any more identified than you already have by changing the thread title. One Google and those with knowledge know exactly who I am, and I don't want to potentially damage relations with the parties on my side by opening a potential can of worms. Law of unintended consequences and all that. In hindsight, I regret naming anyone yet, as this can still realistically be resolved this week. I just wanted to initially come for education and understand my options. Hope for the best, plan for the worst. And to escalate if plan A or B didn't work.   To answer:     I think I have. I phoned them today again, asserting the complaint was raised as a rejection under section 75 and recorded the call. I plan to follow this up tonight in an email with all the magic incantations and keywords I seem to have to include. However, I would still appreciate it being proofread if I could send it to someone via a PM. This is not because I have left any details out, it is just that it will include details around the repair I do not want to put in the public domain at this time, as it may compromise my position.
    • Hobnail please don't take offence . DX covers so many different threads throughout the Forum so tends to be quite short in more ways than one. And while he may have been away from school when public relations were on the curriculum he is right when he said that you do need to understand how these crooks operate to be able to able to beat them in Court. All of us here want our members to win against the parking companies  and the best way is to see how others have handled similar situations. I expect he knows that you may not have looked at many threads on here to give you ideas to better your chances of winning.   You may have heard of the expression "Judge Lottery" on here where some judge comes up with an off the wall decision that virtually no other judge has come up with. So even where you have almost a cast iron case it can all go awry and the way to help circumvent these judges is to have sufficient knowledge and understanding to be able to counter his or her judgement.   I happen to think that no one should lose their case on airport land since the roads  are usually covered by the Road Traffic Act and /or Bye Laws since the land is not relevant land under PoFA. But it is surely better to be over qualified in your knowledge of your case rather than being under prepared. You never know until it is too late when you needed to be over qualified. We all hate it here when one of our members don't win their case so DX in his own sweet way🙂  is just making sure that you have the best possible chance of walking away a winner.   PS I had started to write this before Dx wrote his post just now.  
    • this thread is rather co-incidental to yours - same players same amount.     looks like prac/bw might have looked at credit files to see who also lived there at the time, whom sadly they think be responsible too.   you say like the above thread, EON refunded the £89 earlier as an over payment payment? how strange, and after you moved out now claim its owed.   you are correct in saying you owe nowt, its after you moved out....ruddy fleecers.   as that other thread too, does the PRAC letter state our client EON at the top?        
    • you indicated you had collected stuff from lowells sent your old address? that is what we are interest in?   what is in the vanquis GDPR return (SAR) is pretty much immaterial now as you've not mentioned or referred to any of it in your WS.
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PlumFairy v Wonga


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Just had another e-mail from them wanting me to call them, to discuss my proposal. I really don't want to discuss it over the 'phone. Can I tell them that?

 

Plus they have added a £55 so called 'fee' and another £50 in interest!!!!!:eek:

 

Would the best move be to put this into dispute to stop the interest and charges?

 

Thank you :mad:

Edited by PlumFairy
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Another day another e-mail....... More interest......... apparently I'm ignoring them (I wish).

 

Won't accept my offer and wittering on about DCAs.

 

They finish by saying that they want me to make payment to show my intentions....... I'm trying too, it's them that are being obstructive and i refuse to call them! :-x

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how much did you owe them before you defaulted ??

 

I think the origional loan was for £450. It is now up to about £600 in two weeks!. They can whistle if they think they are going to get that !!!!!

Edited by PlumFairy
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These people need a lesson in English. Only want to communicate in writibg means just that, so asking to speak to me, no matter how much you want to hear my voice - it isn't going to happen!!!

 

E-mail about frustrating my attempts to resolve the matter winging it's way I think!

 

Oh and if it did ever go to court, I'd like to see them explain the fact that in about two weeks the amount owed has doubled :eek:

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Recieved another letter yesterday wanting me to contact them.

 

I've e-mailed back.

 

Anyone got any padding? My head is bgining to hurt constantly bangin it against this brick wall!!!!!

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:???::???:

 

Was about to hit send and realised that they have included this bit.....

 

Please can you advise us what specifically has changed in your circumstances since you commenced your loan with us on XXXX and how that has affected your ability to repay the contracted amount on the due date. Please note that we may required documentary evidence of any change in circumstances.

 

Any help on how to respond would be greatly appreciated.

 

Can they ask for this info? and if so, what should I give them?

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That wasn't in my wonga emails, but I wouldn't send them anything, just explain why through email.

 

Have you asked for the charges/interest to be frozen? I did and they stopped it so it's worth a shot if you've not done it yet.

 

I've agreed a repayment plan and I've got their bank details for a standing order so it takes time to sort out but they eventually listen!

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That wasn't in my wonga emails, but I wouldn't send them anything, just explain why through email.

 

Have you asked for the charges/interest to be frozen? I did and they stopped it so it's worth a shot if you've not done it yet.

 

I've agreed a repayment plan and I've got their bank details for a standing order so it takes time to sort out but they eventually listen!

 

Yep I did that first. Going to send the next one by post I think, then there is no denying that they have got it.

 

What gets me is the threats to damage my credit file...... Lets face it if my credit file was in good shape I wouldn't be borrowing from them in the first place :roll:

 

Think they are still playing hard ball with me as it's only been a couple of weeks since default.

 

Did they put in writing that they were freezing interest?

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What you need to do is inform Wonga by email that you are now going to Trading Standards and the OFT as they have failed to answer the correspondence you have sent them offering to pay - and this is what has substantially changed and that by the same emails you have provided " documentary evidence of any change in circumstances"

 

Really these people seem to live to create a 'default' situation that cannot possibly be remedied, perhaps you should also remind them that any default notice should give you 14 clear days (NOT INCLUDING WEEKENDS AND BANK HOLIDAYS) to remedy any IMMEDIATE default arrears amount BEFORE they go for the whole amount.

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What you need to do is inform Wonga by email that you are now going to Trading Standards and the OFT as they have failed to answer the correspondence you have sent them offering to pay - and this is what has substantially changed and that by the same emails you have provided " documentary evidence of any change in circumstances"

 

Really these people seem to live to create a 'default' situation that cannot possibly be remedied, perhaps you should also remind them that any default notice should give you 14 clear days (NOT INCLUDING WEEKENDS AND BANK HOLIDAYS) to remedy any IMMEDIATE default arrears amount BEFORE they go for the whole amount.

 

Not actually had a default notice yet and no charges, so can't put them into dispute, just the interest.

 

Will e-mail them then instead of sending letter.

 

Can I still go down the TS and OFT route as they say that will discuss it but by 'phone no matter how many times I say that I want to keep everything in writing. Could this be their way of wriggling out of any complaint put in?

 

Could I also make a point of their 'please make payment to show your intentions' comments as they are really annoying. I want to yell back.... I'M BLOOMIN' TRYING TOO!

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  • 2 weeks later...
Another letter to say call them.

 

Someone has their finger stuck on the template and send button I think AAAAAAAAAAGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGG

 

For me, it took about 5 or 6 "in writing" emails before they finally stopped sending template letters and I started to talk to a real person, then he asked me to call in every single email he wrote. He finally gave up and the account was discussed via email, so I guess you'll just have to live with their stupidity for a bit longer yet.:x

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Hi Plumfairy

 

I have just joined because I have a loan with Wonga,which I defaulted on 22/9/2009. I got emails from them saying they had misjudged their trust in me and are really concerned that my credit file is going to now be darkened. So, after getting no where with them - they ignore your emails of repayment offers etc, only ONCE you let them know you have contacted the OFT (or so it seems.) I emailed the OFT because Wonga siphoned £188 out of my bank account, despite my stating that I was having financial problems......they were only compounding the problem by doing that. When OFT replied I forwarded their email to Wonga and then Wonga replied to my latest repayment offer. I am still pursuing the money they deducted as my argument is that they could have accepted my original repayment offer made at the beginning. Instead, after several harassing emails/letters, and extracting money from my account, they seem to have suddenly become a bit more human (probably thanks to the OFT).

 

Try the OFT as I did.

 

;)

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