Jump to content


  • Tweets

  • Posts

    • Thanks dx for your kind words. I plan to renew my season ticket and write a new begging letter as following, can I ask for any suggestion about it?   Dear Investigator/Prosecutor,   Thank you for your reply. I deeply regret my actions and the inconvenience they have caused.   I’m extremely remorseful for my crime. and regret it everyday. I often ask myself ‘’how can I do that thing just because I felt it is interesting. There are a lot of crimes in the world, but feeling it’s interesting is certainly not a reason to crime. I should not crime with any reason.’’ I think about these things every day, and I understand that I can’t blame anyone but myself.   I thanks to the staff who stopped me, as this is a valuable lesson in my life. I told myself that I should never ever repeat such a thing again, and never ever do anything which is possible to be in breach of any law. As a result, I carefully tap my oyster card every time before I enter the station now. I remind myself that I did a wrong thing before, and I should never let it happen again.   Although my monthly travel expenses do not warrant a season ticket, but I just renew my season ticket (please see the attachment). I understand that a crime cannot be truly compensated for, but purchasing a season ticket offers me a small measure of comfort, knowing that my actions caused a loss to the public interest.   I received an email which ask me to negotiate being class teacher in this summer (please see the attachment). I hope that I could teach the lovely students again, which may not be allowed with a criminal record. I would please ask that you would please provide me a single opportunity to settle all outstanding sums owed outside of court without the need for legal proceedings which would have a determinantal impact on my teaching career.   I sincerely apologise again for my crime. If you need anything further from me to help you please let me know.    Yours sincerely,
    • You did what??? You asked them to send you the documents that without them you had  a 100% ironclad win in Court. Why on earth would you do that? As it happens in this case, there is still enough mistakes in their PCNs and the NTH to have your case cancelled. Amd it may be that not sending those documents in the first place along with the ICO complaint and the letters from Alliance themselves which would confirm by the dates on the letters may be enough to cancel it anyway. I hope you have kept their letters as evidence? The chances are that Alliance will not actually take you to Court because of their errors but you never know.  You have made so much extra work for yourself in your WS if they decide to push their luck.though. Can you please post up their letter where they give the reason why I wasn't sent with the NTH.
    • I'm not sure that I fully agree with my site team colleague above.  My understanding is that there is nothing to stop you recording but it is strictly for your own personal use.   
    • I live in a student house, with 5 tenants, unihomes is our utilities provider, who we each have a direct debit set up with and have paid each bill every month. Two letters were sent in my name by BWLegal saying I had two outstanding payments due adding up to over £3500, I have tried to contact british gas (as that is apparently our houses provider) as well as Unihomes. Nothing has helped and BWlegal are pursuing legal action if these debts are not resolved by the 1st May. What do I do? I've called Bwlegal when i bring up that the debt isnt for me and for unihomes they hang up on me. so I am stressed and do not know what to do
    • cant do either if its not in a public place or on your land. dx  
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
        • Thanks
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

CCCS DMP and Payday Loan pro-rata payments


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5099 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi there - just a quick question re: my CCCS DMP which starts this month. I've had several payday loans (from £250 to £1300) with various companies (inc. PTP, Wonga, PaydayUK) - just wondered why on my DMP the CCCS have entered £1 as the 'monthly contractual payment' and a £5 payment as part of the plan. This seems a really small amount --- does anyone have any idea why it is like this? I'll call them on Monday to clarify, but is this normal?? Most of my other payments to creditors are around 50-75% of what they were - i just can't see DCAs beginning to accept £5 offers....

 

CCCS have been absolutely superb - i'm just a bit confused by this!

Link to post
Share on other sites

I am in a similar position i.e. setting up a DMP with the CCCS ... also need to include 3 payday loan debts with Wonga, PTP and QQ.

 

Not sure what to put as the contractual payment but would be good to see them only get a token payment per month ! lol

 

Good luck with the DMP.

Link to post
Share on other sites

Thanks - i filled out the debt remedy then called with the payday loan details (i had PTP, Wonga, PDUK, QQ, WDA) - they then put £1 monthly contractual payment (which i don't understand - but will clarify Monday hopefully!). If you need any help dealing with any of them let me know - i've already had experience of QQ and PTP!

Link to post
Share on other sites

Yes thanks and advice on QQ and PTP would be great - I have yet to default on these as they are not due until the end of January....just need to transfer my wages into another account and close my Natwest account before the end of the month.

 

How did you get on with Wonga, I have only notified them via email so far that they wont be getting paid on 8th January 2010?!!

 

Thanks.

Link to post
Share on other sites

No response from Wonga yet to my Notification of DMP or re: the CCCS proposal. I'm due to default on Monday....

 

I've already moved banks to the Co-op (who are fantastic).

 

Re: PTP and QuickQuid - I was firm from the very first phone call by sending them both e-mails advising I'd only communicate in writing (post or e-mail). After some to-ing and fro-ing and arguing whether telephone was electronic communication or not (QQ insisted it was - when it isn't) - they're now just e-mailing me. With PTP you get passed to an account manager -- and mine has been ok - left me alone once I'd faxed her the CCCS details, and QuickQuid have just issued me a default e-mail asking for payment in 15 days, otherwise they will treat it as refusal to pay. I will respond again in the week reiterating my intent to pay via the DMP etc....

 

Good luck --- lets support each other!!

Link to post
Share on other sites

Thanks. Will be interesting to see how Wonga react !

 

I've actually given them 2 options: 1. either I include them in my DMP with the CCCS or 2. setup a repayment plan outside the CCCS DMP that would be to their benefit as they would receive more. If they dont get back to me next week then they will get option 1 ! :D

 

At the end of the day I am willing to pay the debt and want to get rid of the payday loans asap and before my other unsecured debt where negotiated payments have already been agreed.

Link to post
Share on other sites

HI guys, im in the same position with PTP, QQ and Wonga. Defaulting the end of the month. Well scared, will they call your employer? anyone no?

 

Benzani, please let me no how u get on wid wonga.

 

Cheers :Cry:

Link to post
Share on other sites

No Problem, I have emailed them again today re repayment plan but dont expect them to respond until my loan goes into default on 8th January 2010...and when it does I will contest any charges they apply as they have not responded to all the emails I have sent.

 

This video makes some interesting points about capping interest at 60 days from the Wonga founder - Errol Damelin, Wonga | Smarta

 

They have no right to contact your employer and cannot get an attachment of earnings until it has gone to court and where you have not kept up with agreed repayments, so I wouldnt really worry about that....if they start ringing you a lot send the telephone harrassment letter and tell them you want everything in writing.

 

At the end of the day only pay them what you can realisticly afford and dont reloan as you will never get out of the cycle.

 

Will keep you updated with Wonga.

Link to post
Share on other sites

  • 4 weeks later...
HI guys, im in the same position with PTP, QQ and Wonga. Defaulting the end of the month. Well scared, will they call your employer? anyone no?

 

Benzani, please let me no how u get on wid wonga.

 

Cheers :Cry:

 

Deadman

 

I defaulted with PTP at end of december. As far as calling your employer goes.....do you have your work number on list of contacts on your online account? Check and if you do change the number. I did, i changed it to a random number and it worked, i did the same for my home number. Never changed my mob as I just added this to my reject number list. It worked. I did get plagued with calls to my mobile (all rejected and straight to answerphone) but I never got a single call at home or work. Make sure you do this now, before you default because I couldn't access my account after I defaulted

Link to post
Share on other sites

Good advice Claire...I did this several weeks ago anyway - changed my work number to a local chinese chippy ! ...only had 2 calls to my mobile so far.

 

I have no problem speaking to them and paying the money back so long as they get the message that they are not getting the money back in one lump ...so either they agree to 6 repayments of £100 or I wait until it goes to a DCA.

 

From what I have read they do not accept anything over a couple of months and will eventually pass to Clarity.

 

Think I might start ringing them everday and letting them know I am prepared to pay but on my terms!

Link to post
Share on other sites

You are right benjani...they won't budge thats why it's better not to speak to them. In fact there are some people who have felt bullied and downright intimidated by them.

 

They ignore my offers of repayment so I ignore them. I keep sending them the offers...they keep telling me their collections dept can only deal with it by phone (it's easier to bully some people by phone)

 

I am waiting to passed to clarity and i will offer them repayment. I won't deal with this lot by phone

Link to post
Share on other sites

  • 2 months later...

Hi chaps,

 

I notice it has been a few months now since your original action began. How has it gone so far? I am just about to enter in to a debt management plan which will (hopefully) be including QQ and Wonga.

 

The plan which the company I am using, has also stated a relatively low price of £13 for each of the payday loan companies, for a loan of £400 with each. I am expecting this to rise in the initial stages as they will try and take the repayments from my bank and apply a £10 charge when the card details get rejected.

 

If you could let me know how yours have been going so far, that would be great.

 

Thanks,

 

Trevelyon

Link to post
Share on other sites

  • 3 weeks later...
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...