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    • Could you please show the back of the first PCN you received round about 17th January. Was there a WS included or just the PE v Beavis case?
    • Hey have filed a defence at 4pm today the day before I could request a judgement.  I thought it was last Friday but it was infact tomorrow they would have ran out of time 
    • Hello All,   My query is about the Service charge. I am leaseholder of a 3 bed flat in a purpose build block in London (Westminster) our service charge used to reflect the maintenance of the building and overall look and feel. But now not only service charge goes up every year but quality of service like general maintenance gone down. For example lifts keep breaking down, building needs refurb, walls are dirty, my windows are so old that in winter no matter how much heating you put on room still feel cold.    additionally they keep adding major works charges to service charge with this year being £1917 in addition to £1890 service charge. Don’t mind paying only if I see improvement in the block but we have only seen steady decline over many years now. So today I called them (city of Westminster) saying I don’t want to pay and cannot pay so high charges where there’s no evident results.    I came here to find if anyone has been successful in negotiations on regards to service charges complain or any advice regarding this. Charges are too for what we get    Thanks in advance  
    • this is going to be really simplistic, but have they started by talking to senior management now the bad apple has gone?
    • Hi everyone  . . .  Just an update   The CMD was this morning.  It started with cheap  manoeuvrability  by Intrum’s lawyer, but let me give you quick summery background:   The judge issued an order to us to submit evidence supporting our case such as call for witnesses or ask the court to order the original creditor to some action.  We were giving 21 days for the submission.  In my simple calculation without, allowing time to post, the final date was to be 10 March 2021, with post time 2 days later.   On the 10th March, and to be on the safe side, I send to the court the response version giving to me by DX100UK.   Then on 12th March, I send to the court the version giving to me by Andy, asking the court to replace the first document with the second  one.   On 7th of April I send Intrum lawyer the document 2 as it is our official response.   ON the 12th April I send the court the medical certificate for my niece asking to be viewed exclusively by the court.   At the start of the CMD the Judge ask Intrum lawyer to start.  So he started by claiming the following: 1.    We failed to meet the 21 days deadline set by the court. 2.    He received a response on the 7th April which is only a week ago. 3.    He admitted that he has the two version of our submission. He claimed that they were collected by colleague of his from the court’s Clark while he was in court. 4.    He said that this case has taken too long and the defendant just messing them about and keeping changing their plea.   At that time the judge announced that he does not have the two documents in the case file. He only has the medical certificate.  Then he turned to me to ask me for explanation. a)    I said that we met the deadline set by the court and submitted the required response.  Also I explained the issue with two documents. b)    I confirmed that we have received a confirmation form the court on their receipt of  my submission emails. c)    I stated that Intrum lawyer’s claim is incorrect that we failed to meet the deadline, and pointed out that he has our two documents in his possession which he obtained from the court.   Then the judge started asking Intrum lawyer on the content of the two documents, which is bizarre not to ask the author of the documents.   Intrum Lawyer stated that the two documents almost identical. He then started pointing out the negative sides in the documents such as our change of the 50% settlement.  He continued claiming that we are changing our defence without following the certain set procedure, which it seemed to confuse the judge. The lawyer  continued to ridicule the document in general without being specific.  At the end the judge turned to me  to response.   I said that the court must see the document as it is important to the case.  It is not correct to ask the lawyer to a brief the court on our document as he has been selective in what to read.  The judge came in and said that he asked the lawyer for a general summery of its content.   I continued that the full claim case is fundamentally flawed, and I continued to list why: 1.    The nature of the relation between the original creditor and defendant does not constitute the need for Financial Agreement between the two parties.  The claimant stated in their case that the defendant was in breach of a Financial Agreement. Where is this agreement? 2.    There is no Default Notice that the claimant stated in their submission there was a Default  Notice. 3.    Also has the original creditor served a notice of assignment on the defendant? 4.    The other fundamental issue is the question of the nature of the sum claimed!. .  .  .  . . .   At that time the judge stopped me asked me if I was asking for the other side to present these documents.   I responded:  Intrum are experienced organisation in this type of business.  They know very well the importance of these documents to the case, why they have not been  incorporated them in their case submission , . .  my answer Yes  . . . our missing response document put the claimant to Strict Proof to present these documents to the court.   The lawyer then announced that the Default Note was included in their submission and, he continued to quote a reference number, then he retracted his claim, which is I had a sense that he felt he has gone too far in his BS***t.   However, the judge spend most of session faltering and does not know what to say.  At the end he decided to go for another CMD. But then the funny part he asked the Claimant lawyer to send him the two missing documents.   I feel more positive now on the case but I would appreciate your views and comments.   Thank you
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ok well today is d day. so far no emails and only one call from each company which i ignored.


i want to send the email to each of them explaining my financial difficulties and offer a payment plan but as they havent emailed me i dont know where to email?


i need to email quick quid wonga and payday uk does anybody have email addresses for their collection departments?


should i do anything else

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Ime With Barclays


I Would Go Into Your Bank And Request A New Account Number

I Did


The Payday Loan Companies I Had Dealings With Were Sending Dd Mandates Up To Eight Months Later


My Account Was Frozen And I Was Given A New Account Number And Card


Do It


It Will Save A Lot Of Heartache

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Hi Tilly


After all that worry sounds like your funds were safe :)


They will all contact you in due course. I would just wait for them to contact you.


Good to see LLoyds on the ball. Wonga have probably had 50 or so goes with your old card details - what a shame :D

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well i feel a bit let down ;) i was expecting a big end of the world type of day. and nothing happened?!! i know it will come but today has been in my head for weeks and it seemed like such a big day and it was just normal.


ive got my income and expenditures list all ready to go just waiting for the emails so i can email the right people.

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sent all the emails off this morning and so far only quick quid have replied. they said they cant accept our repayment plan but any money sent would be credited to the account.


they said they only accept cheques but i have emailed back and told them we do not have a cheque book because if we sent them a cheque they would have our account details.


i dont really know what will happen now as they say we can pay bits but are not accepting a payment plan?


still nothing from wonga or payday uk

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does anyone have an email address for wonga collections as I have been emailing customer care apparantly and they are saying the collections department do not have an email address so I have to phone them!

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Hi tilly


Just stand firm. Wonga are a pain but their bank details are available if you want to pay them what you can afford. QQ will eventually pass to DCA and you can then try and set up a standing order. Keep a note of all your offers to pay what you can afford.

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Keep emailing Wonga, dont speak to them on the phone. They will eventually email you back. If you dont get any email, just pay them what you can afford into their bank account and keep a record of payment slips.

That way you can turn round and say that you have been paying what you can afford and you can quote amounts and dates.


As for quickquid they will pass to DCA then you can sort payment out with them. If QQ pass to Mackenzie hall, dont be bullied by them I have got them to agree to my terms and my payments.



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i have heard nothing from any of them for days. do i just wait or should i keep emailing them? i have sent about 5 emails to all 3 companies.


i will hold onto the money i was going to pay them and keep it in my savings account .


i cant be bothered to keep pestering them while they are just ignoring me. but if i dont keep trying will it look like i am avoiding my debt

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  • 2 weeks later...
  • 2 weeks later...

sorry havent been around in a while. had a bit of a disaster as just before xmas found out my husband had been having an affair. goes some way to explaining why he had his head in the sand over these debts and was doing nothing to sort them. crazily he has listed the stress of these loans in why he took comfort from somebody else being interested in him and boosting his ego.


thing is i was living under same stress and worry and i didnt find myself in bed with anyone else.


i feel even more trapped than ever. I dont feel we can stay together despite being married nearly 16years and having four kids.. no trust is hard and i dont believe a word he says anymore. was the ****test christmas ever.


anyway as you can imagine im all upside down at the moment and its been hard to think about anything but my marriage.



the emails from wonga and payday especially have contiunued mostly automated and phonecalls from payday have been regular. still not spoke to anyone.


i have taken to replying to them with the same message every time just saying that i have explained what i can pay and how i want to pay so until they give me their bank details we will not get anywhere.


payday have given their bank details but havent actually agreed to a payment plan but im just going to start paying them anyway.


wonga are being vile as what was a £600 debt is already over £1000. its not even been a month.


i dont know what to do with that.



quick quid have gone quiet for now so just waiting.

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Im really sorry to hear what your going through and that your christmas was crap. Mine was too, Relationships stink! but its worse when there are kids involved.


Please let me know how you get on with these companies over the next month. Im due to default on mine in the next 2 weeks. Im well scared, Sooo many sleepless nights



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im in the same boat, i default on mine in two weeks, ****ting meself about them taking money even though ive cancelled DD etc! ive reported my card lost and have cancelled all direct debits so now just gonna wait. this website is a massive help as ive found most of me answers that i need just reading every1 eles story. and i will be definetly be making a donation once im paid etc, does any1 know what payday express and cash genie are like once you default?? any help would be grateful

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Hi davet


PAyday express are similar to most of these companies. Cash Genie are vile and have been accused of writing to neighbours, employers and producing some funny looking court orders. A guy there call Tuvey, don't speak to him, everything to be in writing. He will try and bully you.


Good luck

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That's him. A few of them left to start up on their own.


OML are much easier to deal with. They have started passing accounts to Clarity.


Ahh thought it must of been him just by the surname and the fact oml is in cambridge and the other is based in ipswich

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thanks robjam, i bank with lloyds tsb and have read storys that even though u get a new card and i have cancelled DD they can reinstate without me knowing and still take money from the old card, is this true? any1 know if you can change account number and sort code by just calling and asking?? ive recieved an email from quick quid saying urgent action required as ive cancelled the DD. do i email them now asking for payment plan or wait till i default?

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