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    • By the way, is there a telephone number for the mystery handset? Have you tried calling it?
    • Who made the complaint to the ICO? Did we recommend it? An uncharitable side of me wonders whether they aren't considering erasing all data in order to get rid of evidence of their bungling. Have you checked your credit file? I think you need to make sure the get copies of everything you can from anywhere just in case various records get cleaned up. I think should set about that straightaway although it's a nuisance. Keep a note of the time you spend doing it. Are you sure that the problems with Vodafone and also with Three were caused by your blighted credit file – blighted by virgin? Can we take it that your credit file before this was clear? I think it could be an idea to send an SAR to Vodafone and also to Three to see if they have any reference to the problem setting up your account with them and that those problems might have been caused by virgin. Your credit file also might show searches by Vodafone and also by Three. If there's anything else you can think of – then try to get the information.  
    • No they are not entitled to see payslips. Only if this ever went to Court and it was part of the Court process would this be required. So the information you provide needs to be accurate, in the remote possibility that your information is passed to a DCA who uses it in Court in the future.   Just enter all information onto your income/expenses sheet in Pounds Sterling.        
    • Hi, I am drafting the pro-rata letters and putting a income expenditure sheet together. One question, as I am overseas the expenditure currency is different to the debts. Are they entitled to see pay slips (also in anther currency which isnt indicated on the slips)?
    • I am investigating him still, but have this information so far: Junaid Sajad  Home address - 101 Vibart Road B26 2AB  or  165 Kelynmead Road B33 8LF - this last one was an address that he gave last night when I got a friend to pretend to want to view a car. He’s certainly a slippery devil!
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 33 replies

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HI all,

 

Long time viewer, first time poster.

 

Currently, I have 6 outstanding payday loans. I owe money to Countrywide, Wageday Advance, Debitcard Loans, Tower Capital, Txt Loans and Safeloans. My monthly commitment to these lot is about £350.00 just repaying the interest!

 

Firstly I admit I owe them money and i want to pay them off but simply havent got the money. After reading the forum it seems the way to go is to default on the agreements.

 

My payments are all due on friday and I am basically after advice on what to do. My first port of call is going to be to cancel the direct debit WDA have on my account. I am going to do this later today. I will be phoning the bank as well to tell them i have lost my card. ONly problem is that i believe they may force a payment throug, however, last month I changed my bank card as it split and none of them took a payment. In view of this should i worry?

 

What letter do you think i should send them? I have worked out that if they freeze charges, which i doubt they will, i can pay £25.00 per month to each and they should be cleared within a year.

 

Can anyone share any advice on what will happen and how best to deal with it?

 

Please any advice would be welcome as i am at the end of my tether. I want to break the cycle of extending the interest payments.

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I have just cancelled it online, message received was

 

Your request has been successfully received

space.gif

Your Direct Debit has been cancelled and no future payments will be made.

 

Please select an option from the left-hand menu to continue Internet banking.

 

So first step taken

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Bit more info.

 

Just rang my bank and advised them i have lost my card.

 

Asked whether anyone would be able to claim money from it. She said yes should be ok. Bugger!!!

 

I have now set up a standing order online and i am hoping my wages will transfer to my savings account before the vermin get there hands on it

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Hi

 

I also bank with Lloyds TSB and I had to cancel my card with them when I defaulted on my payday loans.

 

When you reported it did you report it lost / stolen?

 

If so then no money should be able to be debited from it Lloyds confirmed this to me. To set your mind at rest give Lloyds telephone banking a ring and tell them you have cancelled your card and ask them if anything can be debited from it. Tell them you are concerned as you are about to be paid shortly and want to make sure the money cant be taken and emphasise to them that if anything is taken from it then you will consider it a fraudulant transaction - get them to record this in your notes. They do sometimes say that this is not possible but it is I assure you.

 

Anyway I am sure that your money will be safe (I had no problems and did it twice!!) the phone call will just give you that bit of confidence in it.

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I have just cancelled it online, message received was

 

Your request has been successfully received

space.gif

Your Direct Debit has been cancelled and no future payments will be made.

 

Please select an option from the left-hand menu to continue Internet banking.

 

So first step taken

 

Don't want to be the bearer of bad news but direct debits that are less than 3 days away generally still go through even though they have been cancelled.

 

If it does happen though, just go to the bank on Friday and tell them to reverse it and they will, the money will appear back in your account overnight into Saturday.

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Well I phoned the bank and they told me a different story in that they should not be able to take money. Anyway he was more interested in trying to sell me Identity Theft Cover!

 

This morning is the morning i default on my loans. I have had three texts and two calls chasing payment.

 

Ready for the long slog.

 

Anyone got a template letter which i could use and send

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  • 1 month later...
Well I phoned the bank and they told me a different story in that they should not be able to take money. Anyway he was more interested in trying to sell me Identity Theft Cover!

 

This morning is the morning i default on my loans. I have had three texts and two calls chasing payment.

 

Ready for the long slog.

 

Anyone got a template letter which i could use and send

 

I was with Lloyds Tsb and reported my card stolen but low and behold a month later they let txtloans take £246.00 from my card i reported stolen and left my hugely overdrawn. So be very very wary i would get a new bank account and get all monies paid into your new account.

 

Also Tower capital will take you to court i have had a loan with Tower capital and defaulted on it and they have taken me to court so just a heads up on that one.

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I was with Lloyds Tsb and reported my card stolen but low and behold a month later they let txtloans take £246.00 from my card i reported stolen and left my hugely overdrawn. So be very very wary i would get a new bank account and get all monies paid into your new account.

 

Also Tower capital will take you to court i have had a loan with Tower capital and defaulted on it and they have taken me to court so just a heads up on that one.

 

I hope you are fighting Tower mighty royals - there default notices are generally crap

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I hope you are fighting Tower mighty royals - there default notices are generally crap

 

I am currently going through the process of courts with tower capital and primepaydayloan which i am guessing are part of the same group as my primepaydayloan court notice wants me to send docs to tower capitals address. But yes i am fighting them all the way and one of them there particulars of claim were just unpaid payday loan not a great poc lol

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hi mightyroyals

did they send you a default notice, if they did could you post it up minus all personal details and amounts and also blackout the barcode if there is one, would be interested to see if they are send valid default notices out, was that all that was on the POC and did they send any docs with it or did this claim come through Northampton CC.

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if you find the section that you would like to start a new thread in

for example you want to start a thread in the Debt Action forums and its to do with a debt collection company, then you would look at the debt forums and go down to the debt collection industry section open that up and there you will see an icon that says start a new thread, the icon is on the left side near the top

Debt Collection Industry - The Consumer Forums

hope that helps

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