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    • Hi I would welcome some advice please.  I have been a CAG member for some time and you have helped in many ways.   Way back in October 2007 I took out a loan with Black Horse Finance for £4,000 to pay for a new central heating system that I was forced to install when I had to move into an old mid-terraced house.  The problems with this house got worse over the years and in October 2012 the account was assigned to MEIV who traded under the name Marlin. Also at that time my affairs were being handled by a Debt Management Company.  This company, Money Worries, subsequently disappeared with the MD being chased by Greater Manchester Police.  There followed a long and painful period with Marlin whereby they constantly stated there was no payment plan and I stated that there was.  They claimed no payments had been received and it was down to me to try and sort the mess out.  I said at the time that I would maintain the same payment as I had been to the DMC which was £12.25 per month.  So I implemented a Standing Order to this effect.  Marlin, of course, wanted an Income / Expenditure form so they could (obviously) try and pressure me to pay more.  I wrote to Marlin saying their actions could amount to harassment but they continued to maintain there was no agreement and passed the account over to their so-called "solicitors", Mortimer Clarke.   So in April 2014 enter Mortimer Clarke who were still, like Marlin, just agents.  As 'solicitors' they started threatening legal action, enclosed an Income / Expenditure form and demanded that I fill it up - effectively disclosing all.  A month later they wrote saying their 'client' had told them to start legal proceedings but actually nothing happened, maybe because it was already beyond 6 years.  They threatened CCJs and credit being "impacted" etc.  So I discover that Marlin had actually increased the debt by £500 by slapping on punitive interest. After finally getting them to realise that there was a plan, whether they liked it or not, they removed the interest. I then made a reasonable offer, I felt, to increase the monthly payment to £20.  They came back again demanding their sacred Income / Expenditure form.  So thanks to CAG I informed them about 'reasonable' offers of payment and Court Protocol rules and just went ahead and implemented the £20 a month. Back they came saying the offer had been accepted on a "concessionary" basis - whatever that's supposed to mean. In March 2016 they seemed more reasonable and continued the £20.   In October 2018 they try their tactics again and I respond with a strongly worded letter about harassment and follow through on my telephone promise to increase the monthly payment to £25.  Surprise, surprise, this is accepted!  All is then peaceful and calm until February this year when they start again.  As things are somewhat better for me the monthly payment is increased to £60 but now in September they're back again.  Now I know you will say I'm foolish but this time I completed their damn Income / Expenditure form but again, foolishly, I gave them figures based on our total family income.  I am retired as a full-time carer to our disabled son.  My wife is in paid employment but wants to build up savings to start a business idea that she has every chance of succeeding in. I gave them global figures for total Income and Expenditure as how much pocket money I give my son is of no relevance!   They are now saying on the basis of the figures I gave them that I have £494 disposable income and that their 'client' (i.e.MEIV) wants the monthly payment to rise to £345.80.  I am furious.  They have given me 14 days to accept ......or else!!   I am thinking I should do a new IE form based solely on my income and the expenses I pay each month but I thought I would come to you guys first.  If this were to go through it would leave us, as a family, with not much over a £100 to cope with emergencies.   Many thanks in anticipation.    
    • Has a check been made with the local Council Authority regarding the land ?   Usually Councils will have charts showing the land/boundaries in their area.   I know local to where I live there is land with disputed ownership, as documents are missing. There is then a claim process through land registry which you are going through. Because the land was not claimed or part of the property purchase 5 years ago, I believe that land registry are correct, that the landlord would have a 12 year period in which to register a claim for the land. Land registry won't as far as I know actually contact the landlord to make them aware. It would be up to landlord to find out.   There may be a process for there to be an agreement made between Mum and landlord now. Depends on how reasonable the landlord is. But there may be a cost involved in this process drawing up legal agreement for landlord to waive any rights to claim ownership of the land.  Seek formal legal advice from someone qualified to see if this is possible and if so how much legal fees would be.
    • Hi not sure if I'm posting in the right place here so apologies if I'm not. I don't know if anyone can help but basically my mum has been living in her house since 1997 and there is a piece of land that she has used and looked after since moving in there.she was a tenant in the house until she bought it around 5 years ago. She has recently tried to claim the land through the land registry (possessor title I think) however she had something back from them saying her landlord from when she was renting would be allowed to claim the title for the land or she would have to start her 12 years wait again from.when she purchased the property. Is there anyone that can give some.advice on this as I don't see why her previous landlord could.claim the land when they weren't the ones looking after it. Any advice is appreciated. Thankyou
    • Northampton has lost a host of major retailers, but independent traders say it has a bright future.View the full article
    • I think the most important thing here is to establish a paper trail. You have the right to return it within 14 days for any reason – the cooling off period. Also if there is a defect which manifests itself within the first 30 days then you have a right to reject the computer for that defect. I suggest that you write letter immediately – email – send it to them and make it clear that you are invoking the cooling off period and that despite your best efforts you have been unable to obtain an address from them and in fact you have found that both their staff and the systems are obstructive to your application of your consumer rights. Send a second email (they aren't normally able to understand one point per email – they get confused) and tell them that you are invoking your right to reject under the consumer rights act because of a defect and you want to know what arrangements they are making to collect the computer. Send both of these letters today. I suggest that the cooling off period one you also sent by recorded delivery post tomorrow but make sure it bears today's date. In terms of the defect, I suggest that you start going to the setup process again if you can and take a photograph of each screen so that you are able to demonstrate the defect. If Dell tries to shirk their consumer obligations then you will have evidence that there was a defect and after that we will help you through the next step.
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sam614
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sis has now received a " offer of settlement " without prejudice

 

from barker & lowe

 

a one off offer of 75% off:rolleyes:

 

instead of £531....which should actually be £217

 

she can pay £398 if payed within 48 hours and payment can be made by debit or credit card.

 

they will also except instalments if this amount can not be raised,but with no reduction.

 

then goes on to say you must pay within 14 days of the date of this letter,remember late payment costs more,talk to us we can help.

liked the ending

 

"our job is to help you deal with this problem,or in the event that you fail to deal with this SERIOUS MATTER,to ensure that this debt is recovered by taking LEGAL ACTION against you OR to collect it by any other lawfull means."

 

toss up between I do not acknowledge or cca request.

SAM

SAM:pLOWELL DETESTER.

 

SO PROUD OF MY AVATAR,THAT TOOK ME WEEKS TO WORK OUT HOW TO GET ONE.:lol:

 

PLZ CLICK MY SCALES IF YOU LIKE WHAT I SAY.

OR IF I HAVE HELPED IN ANY WAY.:smile:

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no responce from barker & lowe to "prove it"

 

todays letter

 

balance now £597

 

their client wonga have instucted them to collect

payment in full must be made within in 4 days of the letter,dated 29th.

so out of time then:rolleyes:

a doorstep collector will be instructed to call and under the terms of your contract YOU will be liable for the extra costs incured.

 

shame that she will miss them,as she is off to malta tonight for a fortnight.

wonder if she will be charged extra for a wasted journey all the way from london.

 

atempted to ring and tell them not to bother, strangly enough they said good morning wonga:rolleyes:not barker and lowe.

maybe I dialed 9 instead of 10 at the end of the almost identical number and got wonga customer care.

 

cca request send.

SAM:pLOWELL DETESTER.

 

SO PROUD OF MY AVATAR,THAT TOOK ME WEEKS TO WORK OUT HOW TO GET ONE.:lol:

 

PLZ CLICK MY SCALES IF YOU LIKE WHAT I SAY.

OR IF I HAVE HELPED IN ANY WAY.:smile:

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  • 1 month later...

no responce received from wonga for cca request or failure to template.

 

letter received today from

grosvenor legal services..baliffs

and the word bailiffs clearley visable for all to see through the clear address panel:mad:

instructed by wonga to recover the debt...now £605

 

payment within 7 days of the letter date, or they will commence immediate legal action.

the judgement obtained will be supplied to credit referencing organisations.

 

letter dated 12th...so out of time then last friday:rolleyes:

 

 

are they bailiffs or debt collectors

anyone had dealing with them?

SAM:pLOWELL DETESTER.

 

SO PROUD OF MY AVATAR,THAT TOOK ME WEEKS TO WORK OUT HOW TO GET ONE.:lol:

 

PLZ CLICK MY SCALES IF YOU LIKE WHAT I SAY.

OR IF I HAVE HELPED IN ANY WAY.:smile:

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Their both by the look of it Sam :-

 

Grosvenor Legal Services

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Advice & opinions given by me are personal, are not endorsed by the Consumer Action Group or the Bank Action Group. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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so should she be scared of a visit ?

 

it is indispute with wonga,who have failed to supply cca.

 

not sure if she should respond with that

 

or sent prove it or what.

SAM:pLOWELL DETESTER.

 

SO PROUD OF MY AVATAR,THAT TOOK ME WEEKS TO WORK OUT HOW TO GET ONE.:lol:

 

PLZ CLICK MY SCALES IF YOU LIKE WHAT I SAY.

OR IF I HAVE HELPED IN ANY WAY.:smile:

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Nope, unless there is a CCJ against the amount they are common DEBT COLLECTORS and can be told to get lost. Just because they are a bailiff firm doesn't mean to say they can go into doorstep debt collecting.

 

Report the letter to Trading Standards and ask for it to go to the Money Laundering Unit of the local police force, for that is what Wonga are about.

 

They really need to be closed down, not only do they have a dreadful name they have people with little regard for the law.

 

Keep the emails as they prove you have tried to negotiate and got automated responses back - could come in handy in the future.

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have told her to keep all e-mails 24 in total

and copies of all letters sent and recieved.

 

 

have called local ts and someone is going to call out to see her tomorrow.

interested in

 

a.the word bailiffs is showing on the address panel

b.payment can be made by credit card

 

and the line which says

we have been instructed by wonga to recover the sum of xxxx for which you are indebted to in relation to personal loan and now DEMAND payment.

SAM:pLOWELL DETESTER.

 

SO PROUD OF MY AVATAR,THAT TOOK ME WEEKS TO WORK OUT HOW TO GET ONE.:lol:

 

PLZ CLICK MY SCALES IF YOU LIKE WHAT I SAY.

OR IF I HAVE HELPED IN ANY WAY.:smile:

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Hi Littleme and welcome to the Consumer Action Group :)

 

Wonga.

 

Registered Number: 6374235.

Registered Address:

88 Crawford Street,

London,

W1H 2EJ

 

One Month Loan

 

Fortress Group UK Ltd t/a 1 Month Loan

Fortress House,

Skyliner Way,

Bury St Edmunds,

Suffolk,

IP32 7YA,

United Kingdom

 

Hope this helps,

 

Lex

Please help us to help you. Download the CAG tool bar for free

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Please don't rush, take time to read these:-

 

 

&

 

 

This is always worth referring to

 

 

 

 

 

Advice & opinions given by me are personal, are not endorsed by the Consumer Action Group or the Bank Action Group. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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I am afraid I don't have account numbers but I found some contact details you can use.

 

At 1 Month Loan, your input is essential to our business. If you have any questions or comments regarding our services, company or web site, please contact us.

If you wish to make a complaint about our services and wish to view our Complaints Procedure. Click here to view our formal complaints procedure.

 

Telephone: 01284 717810

Email: [email protected]

 

 

Wonga

 

Customer care team on 0871 288 5704, Collections team on 0844 842 9109,

 

or there's a email form you can use here :-

 

https://www.wonga.com/Statics/Wonga/contact.aspx

 

Lex

Please help us to help you. Download the CAG tool bar for free

HERE and use the search option for all your searches. CAG earns a few pennies every time !!!

 

Please don't rush, take time to read these:-

 

 

&

 

 

This is always worth referring to

 

 

 

 

 

Advice & opinions given by me are personal, are not endorsed by the Consumer Action Group or the Bank Action Group. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Thanks Mr Lex. Do you have their bank details too, so I can make payments to them please?

Thanks.

 

 

 

have answered your pm

bank details for wonga are correct on the stickie at the top of page

 

sam

SAM:pLOWELL DETESTER.

 

SO PROUD OF MY AVATAR,THAT TOOK ME WEEKS TO WORK OUT HOW TO GET ONE.:lol:

 

PLZ CLICK MY SCALES IF YOU LIKE WHAT I SAY.

OR IF I HAVE HELPED IN ANY WAY.:smile:

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Hello, what is going on with this? I have £947 due to wonga on the 14th April - that i plan to default on (along with other payday loan) im going to guess that this will go up to around £1200 beofre i get any sort of reply from them. Would like to know what to expect, and how lond it will take to pass to a DCA

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Hi

 

Just been looking about Wonga need to get to grips with them as I have paid most of a loan off from last month but still own £180 as intrested is being added I notice your name in these chats I was wondering Do you have the bank details for wonga so I can start a standing order up to them ? and a e-mail to send a e-mail to them to let them know what I intent to do ?

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HI Littleme123

 

Thank You for getting back to me ....

 

How did you get that far with them I can not get an answer did you just send a e-mail ? if so which e-mail ? and did you just tell them that you were going to pay back by standing order also did they have your bank details ?

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I defaulted on a loan with Wonga. It has now been passed to JBDR who claim that letters were sent out to me on the 8th January, and 7th February to which I had never receieved. Yet searching through my emails, I had one from Barker and Lowe, on the 7th January, giving me until the 14th January to pay all the money.

Made a telephone call to JBDR on the 6th April after receiving a voicemail asking me to contact them.

I said I had not received any written notification of yourselves or Wonga to actually say you are legally entitled to collect this debt, and I wish to try and set up a payment arrangement..... was told we will send everything to you via email to which I have still not received.

Received another voicemail this morning, asking me to contact them again, explained everything to the person I was speaking to, said another email will be sent out........ STILL WAITING!!!

I don't know what to do :(

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  • 2 weeks later...
have answered your pm

bank details for wonga are correct on the stickie at the top of page

 

sam

 

Hi Sam

 

How has your situation worked out? Did the DCA accept a repayment plan or are you still no furhter forward?

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Hi Sam

 

How has your situation worked out? Did the DCA accept a repayment plan or are you still no furhter forward?

 

no not really any further forward, she did sent the account is in dispute/bemused letter to grosvenor on 24th march.suggesting that it was returned to wonga who have failed to supply the cca as requested.

 

heard nothing back as yet:eek:

 

sam

SAM:pLOWELL DETESTER.

 

SO PROUD OF MY AVATAR,THAT TOOK ME WEEKS TO WORK OUT HOW TO GET ONE.:lol:

 

PLZ CLICK MY SCALES IF YOU LIKE WHAT I SAY.

OR IF I HAVE HELPED IN ANY WAY.:smile:

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  • 4 weeks later...

Wonga Bankers are "HSBC" other details in stickie are correct to date.

 

Anyone with updates for the posts??

Edited by JGJ
FAUX PAS
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wonga failed to supply cca

and choose to ignore indispute letter

and passed to barker and lowe

 

barker and lowe choose to ignore bemused letter and didnot return to wonga to remedy the breach but passed on to grosvenor.

 

grosvenor recieved bemused letter in march and all went quite.

 

todays post a letter from 1st cred:D:D

offer of 75% reduction if payed within 7 days:rolleyes:

 

shall not even bother to respond,just what are these cretins on

SAM:pLOWELL DETESTER.

 

SO PROUD OF MY AVATAR,THAT TOOK ME WEEKS TO WORK OUT HOW TO GET ONE.:lol:

 

PLZ CLICK MY SCALES IF YOU LIKE WHAT I SAY.

OR IF I HAVE HELPED IN ANY WAY.:smile:

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wonga failed to supply cca

and choose to ignore indispute letter

and passed to barker and lowe

 

barker and lowe choose to ignore bemused letter and didnot return to wonga to remedy the breach but passed on to grosvenor.

 

grosvenor recieved bemused letter in march and all went quite.

 

todays post a letter from 1st cred:D:D

offer of 75% reduction if payed within 7 days:rolleyes:

 

shall not even bother to respond,just what are these cretins on

 

Ist Crud:eek: thats a first for Wonga - You don't sound too worried Sam ,hardly seems a fair fight!! :)

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:pnot at all worried,a full and final offer of the original amount only will be offered or they can take it to court.... only paying just as soon as someone,anyone produces cca:D

 

 

will wait and see if they write again and then AGAIN tell them to return to wonga.

 

going to put another complaint in tomorrow as this is now the 2nd time it as been passed on while in dispute,not counting wonga's pets barker and lowe.

saving everything just in case we get a nice day out in court.

SAM:pLOWELL DETESTER.

 

SO PROUD OF MY AVATAR,THAT TOOK ME WEEKS TO WORK OUT HOW TO GET ONE.:lol:

 

PLZ CLICK MY SCALES IF YOU LIKE WHAT I SAY.

OR IF I HAVE HELPED IN ANY WAY.:smile:

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