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    • So far the declared value is confirmed and documemted the first Claim got agreed and they kept delaying saying the refund will show 5-7 days for BACS but that not true!   I VE been chaising this since 28th september, told on 2nd October I needed to send my bank details again as they seemed they got it wrong but not my fault yet they had it since 2nd October! Thats over 2 weeks! I   GET Money via bank bacs and from Europe and recently in 3 Days and in the UK its same day and instant!   They re messing me about and nothing else!   For contents its a Marshall  speaker small Bluetooth one value 127.99   And 2nd parcel stolen last week and an empty bag delivered yesterday for Marshall Headphones value 121.99 all sold via verifiable links and invoices and all fully covered to its value, and payment all proven as well as refunds.   The first claim was agreed but still no payment   2nd Claim had to file it yesterday and he re the empty bag!
    • Yes it will be straightforward – but you may as well give us better information so we can check that everything is in a row. What was in the parcels? When were they sent? Was the value correctly declared? I understand you had insurance.   Have you been formerly declined compensation? If so then what was the reason given?   Also, you need to spend some time reading up on the Hermes threads on this sub- forum so that you understand the way it goes. It is pretty well always the same. It's essential that you understand the steps and so it is essential that you do the reading. In addition to answering the questions above, please confirm that you have done the reading or the you will be doing it.
    • In order for an NTK to be compliant it has to comply with PoFA. If it is not compliant then the keeper cannot be held liable for the PCN.  I have included the wording from S8 though  s9 is identical in the part I have copied below. You will see that at the beginning  "The Notice  'must' " which in Law means the wording  is to be stictly observed (2)The notice must— (a)specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; (b)inform the keeper that the driver is required to pay parking charges in respect of the specified period of parking and that the parking charges have not been paid in full; (c)state that a notice to driver relating to the specified period of parking has been given and repeat the information in that notice as required by paragraph 7(2)(b), (c) and (f); (d)if the unpaid parking charges specified in that notice to driver as required by paragraph 7(2)(c) have been paid in part, specify the amount that remains unpaid, as at a time which is— (i)specified in the notice to keeper, and (ii)no later than the end of the day before the day on which the notice is either sent by post or, as the case may be, handed to or left at a current address for service for the keeper (see sub-paragraph (4)); (e)state that the creditor does not know both the name of the driver and a current address for service for the driver and invite the keeper— (i)to pay the unpaid parking charges; or (ii)if the keeper was not the driver of the vehicle, to notify the creditor of the name of the driver and a current address for service for the driver and to pass the notice on to the driver; (f)warn the keeper that if, at the end of the period of 28 days beginning with the day after that on which the notice to keeper is given— (i)the amount of the unpaid parking charges (as specified under paragraph (c) or (d)) has not been paid in full, and (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; (g)inform the keeper of any discount offered for prompt payment and the arrangements for the resolution of disputes or complaints that are available; (h)identify the creditor and specify how and to whom payment or notification to the creditor may be made; (i)specify the date on which the notice is sent (if it is sent by post) or given (in any other case).   If you compare that with the NTK you weresent you will see that your one does not include  "   (if all the applicable conditions under this Schedule are met) " Your NTK also states that if you don't pay the £100 that you will be liable for debt collection charges up to £60. this contradicts section 4 of PoFA where it covers the right of the parking crooks to pursue motorists [5] (5)The maximum sum which may be recovered from the keeper by virtue of the right conferred by this paragraph is the amount specified in the notice to keeper under paragraph 8(2)(c) or (d) or, as the case may be, 9(2)(d) (less any payments towards the unpaid parking charges which are received after the time so specified).   So their NTK is non compliant in two places.    In any event Ambreen is wrong to declare that if they cannot pursue the keeper than they can assume that the keeper was the driver. The court will not entertain that idea -VCS need to provide strict proof that the keeper is the driver. So despite Ambreen claiming that they can proceed against the keeper she is wrong. [17,18 and !9 of her WS]. They quote Parking Eye v Beavis   [22] which is irrelevant since that was a free car park and yours is a residential parking space covered by a lease which VCS cannot overturn.    
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Payday Loan Companies - How to deal with them!!! **


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  • 2 weeks later...
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  • 1 year later...

Hi Grizza

My partner has several Payday Loans that are due for repayment today. My problem is that she as sustained head injuries in a work related accident, and now has no memory of the period from 1990 to now.

 

I want to write to these Payday Loan Companies explainging the situation and to tell them it could be several months before they can expect there money back. I also wanted to request that they do not apply any charges or interest in view of my partners situation. I am, at present, her 24hr Carer so I want to stop the constant telephone calls and emails.

 

I have no way of getting into her bank accounts to repay them.

 

Can you provide any quidance or template letter that I could use?

 

If so, I would be very grateful.

 

Best regards

 

RenoRooster

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  • 3 weeks later...

Hi, as some of you may know, I have dealt with and beaten most Payday companies at their own game, however two have come up that I beleive a ripping people off without them knowing!

 

The two companies are www.ioweya.co.uk & http://www.wagedaybank.co.uk/. They are promising loans, which do not seem to materialise, and seem only to be brokers. Where they seem, in my opinion, to rip people off is that they charge a premium rate text service to apply for a loan. They also seem to have no contact details on their websites!!!

 

If anyone can help me with obtaining their contact details, I can start action against them both.

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  • 2 weeks later...

Hey GrizzaI'm also finding myself hounded daily by one of the above - ioweyaI believe it is poss linked into a company called Easy Loans - I've received dubious calls from an 0203 number of lateI didn't ask nor have I enquiried NOR would I touch such facelessness with a bargepole - would love to find out who is behind giving out details to these people in the first place Their calls and messages are NOT WELCOME

Happy to share my experience but for your own protection, please check and double check what myself and other Caggers inform

...

“Nothing in this world can take the place of persistence.”

 

:-)

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Hi, as some of you may know, I have dealt with and beaten most Payday companies at their own game, however two have come up that I beleive a ripping people off without them knowing!

 

The two companies are www.ioweya.co.uk & http://www.wagedaybank.co.uk/. They are promising loans, which do not seem to materialise, and seem only to be brokers. Where they seem, in my opinion, to rip people off is that they charge a premium rate text service to apply for a loan. They also seem to have no contact details on their websites!!!

 

If anyone can help me with obtaining their contact details, I can start action against them both.

 

FYI if nothing else !

What d'ya know it would seem there is a distinct possibility Capital Finance one is actually behind Ioweya - would explain how they got my contact details in the first place :mad2:

so just to add to another of their running ventures in order to gain their own debtors card details it would seem!!!

Happy to share my experience but for your own protection, please check and double check what myself and other Caggers inform

...

“Nothing in this world can take the place of persistence.”

 

:-)

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If it is Capital Finance, they are naughty as the Trading Name is not on their Consumer Credit Licence:

Capital Finance One06736553 Categories:

 

Consumer credit Credit brokerage Debt administration Provision of credit information services, excluding credit repair Provision of debt-adjusting on a commercial basis Provision of debt-counselling on a commercial basis

 

Right To Canvass Off Trade Premises:No

 

 

Trading Name(s) (Current):

 

Money Resolve Payday Advanced Payday Credit Payday First

 

Issued Date: 17-Dec-2008

Date Maintenance Payment Due: 16-Dec-2013

 

 

Legal Formation:

 

Body Corporate (incorporated inside UK)

 

Current Individuals that run the organisation:

 

NamePosition James Keeble

 

Nature of Business:

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Thanks so much for taking a look and posting up Linda,

clarification info is greatly appreciated.

 

Got to say further to my email sent to James Keeble all correspondence has suddenly ceased from Ioweya!

 

Is there anywhere we can take this officially? as I feel it is really naughty to try obtaining card details in this way which clearly they might possibly be doing

 

I've learnt not to touch such facelessness (there is no contact details on the site but the terms layout look v similar to that of their CFO site so I'm afraid for some more vunerable people out there who may think it is genuine.

Edited by asmilecostsnothing
typos!

Happy to share my experience but for your own protection, please check and double check what myself and other Caggers inform

...

“Nothing in this world can take the place of persistence.”

 

:-)

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Have you got an e-mail address for this James Keeble? I'm getting a text message daily from this IOWEYA asking me to apply for a loan! Took a PayDay loan out a couple of years ago during a moment of utter madness. Paid it straight back and have never touched them since! No idea how they got my details though as I got a new number a few months ago and havent applied for anything since then....or in the previous couple of years!

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Hi there

 

I'll pm you it though you might have found it by now I guess!

Well... I had peace for a whole week and then it starts again

 

Never thought I'd have to change numbers because of this nonsense but sadly that is what I'm having to do

 

I'm currently a defaulting payday loan-er with history of Capital Finance One :-( I believe they feel I owe them money still even after my case was upheld and will stop at nothing to obtain card details. I've had more nuisance calls and texts from Ioweya then all of the creditors put together!

 

Taking payday loans puts you on the sucker list, sorry.

Happy to share my experience but for your own protection, please check and double check what myself and other Caggers inform

...

“Nothing in this world can take the place of persistence.”

 

:-)

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Could someone please give me the relevant contact details to stop this ioweya company from texting me as it really is doing my head in now as i'm getting message's from them nearly everyday asking me to apply for a loan when I just don't want one. :x

 

Any help at all would be great, thanks.

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hi there

 

i now believe myself to be one of those people who believed ioweya and applied for a loan and also text the reply which they asked for. they replied saying confirmation would be recieved by email within 24 hours but this has passeed and still heard nothing. they keep sending me texts asking me to apply for a new loan. glad they got my details of the bank i dont use. has anyone got the number yet for them?

 

 

many thanks adam

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Just keep away, don't respond to anymore text messages.

Don't keep any funds in the account you've given details of

 

I suspect it is some marketing [problem] or mickey take broker, if not linked to a payday loan company which of course will be denied - the site is far from 'legit' there are no contact details.

 

Doubt we'll ever get a tel number - that would be to easy !

I'll like to see it barred, but in the process of changing numbers that should end it.

Happy to share my experience but for your own protection, please check and double check what myself and other Caggers inform

...

“Nothing in this world can take the place of persistence.”

 

:-)

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Please take a look at thread from another forum and make your own minds up

http://forums.moneysavingexpert.com/showthread.php?t=3512953

 

If you need a loan, please don't go down the payday loan route.

It will cost you dear.

Happy to share my experience but for your own protection, please check and double check what myself and other Caggers inform

...

“Nothing in this world can take the place of persistence.”

 

:-)

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  • 2 weeks later...

Taking a look at this.

Link for wagedaybank appears to be invalid.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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They appear to have been advertising on Gumtree since August 2011 in multiple regions.

 

short on cash?

 

looking for a quick short term loan?

 

Wage Day Money, Can help!!

 

with loans from £50 - £2500 and

flexible lending criteria.

 

Easy repayments terms from 1 week to 1 year.

 

NO CREDIT CHECKS - NO DOCUMENTS TO FAX

 

Regardless of your previous credit history

we can help.

 

apply now at:

 

http://www.wagedaybank.co.uk

 

The link seems invalid.

 

 

Service Unavailable

 

HTTP Error 503. The service is unavailable.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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This is great Martin - one down many more to go. :razz:

I feel so many are bogus sites, not that I'm interested just curious who is behind giving out my details! grrr I accept I'll ever really know as must say as well as the payday loan circle I was in there was also a broker sting

 

I had another funny phone call during this week received to my old mobile number which I'm still quite attached to and don't want to really switch of (think I might have russled them as they actually hung up when I started probing) at least it wasn't a malicious or silent call this time

 

You get to a point where you start thinking this happened after x, could that be linked....

I've done the reporting of calls to Action Fraud, who calls me site, gone ex directory for the home line, taken details of 192.com, considering doing the CIFAS protection

 

With my new numbers I'd hope to eradicate the prob once and for all.

Happy to share my experience but for your own protection, please check and double check what myself and other Caggers inform

...

“Nothing in this world can take the place of persistence.”

 

:-)

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We are in the process of adding comprehensive and detailed info for our PDL forums.

One of the difficulties many have is knowing who they are dealing with.

I have for a couple of weeks been compiling some info which will give specific company info and associated trading names/their registered office which licence they are trading under etc etc.

 

It is not an easy task since I have already identified over 300 different names who are trading under a variety of brands and guises.

 

2 of the big names-Toothfairy and Wonga are both currently awaiting decisions from the OFT following investigations.

 

In the case of Wonga the OFT are also looking at Quickbridge and Sameday Cash.

Amazingly Wonga have submitted a new application for another licence under the title Wonga decisions Limited

Its purpose is listed as Credit reference agency and has 3 named officers who are associated with the other licences.

It is very disturbing that a company who has demonstrated that it cannot comply with requirements as a CC licence holder,should be considered for another licence.

This one is still open so no decision has been taken.

 

 

Secondly.I feel it is important for our members to be aware of these companies who are introducing more brand names after they have had bad media press and high complaints on consumer focus.

I have noticed that Toothfairy have a raft of new trading names pending for acceptance on their CC licence the list comprises of;

 

Cashkingdom Pending

Cashkingdom.Co.Uk Pending

Cashkingdom.Com Pending

Communitypayday Pending

Communitypayday.Co.Uk Pending

Communitypayday.Com Pending

Diamonddiscountclub Pending

Diamonddiscountclub.Co.Uk Pending

Diamonddiscountclub.Com Pending

Diamonddiscountfinance Pending

Diamonddiscountfinance.Co.Uk Pending

Diamonddiscountfinance.Com Pending

Easyfinanceclub Pending

Easyfinanceclub.Co.Uk Pending

Easyfinanceclub.Com Pending

Fastloan4you Pending

Fastloan4you.Co.Uk Pending

Fastloan4you.Com Pending

Gearcard Pending

Gearcard.Co.Uk Pending

Gearcard.Com Pending

Gearfinance Pending

Gearfinance.Co.Uk Pending

Gearfinance.Com Pending

Thegearcard Pending

Thegearcard.Co.Uk Pending

Thegearcard.Com Pending

Toothfairyfinance.Co.Uk Pending

Toothfairyfinance.Com Pending

 

 

It is also a concern that it appears they are looking to be offering card related services.

There are many people who would not ordinarily go anywhere near a payday loan,but may be tempted to consider a prepaid money card or merchandiser card.

We do not know at this point what exactly these will be,but it is reasonable to assume they will come with the same high rates of APR we see with the Payday loans.

 

If anyone has any suggestions of what they would like to see added in these forums please add your thoughts.

 

Some of the things we are looking to be offering is

 

1.Comprehensive list of all payday loan companies and linked associations.

 

2.A top 20 list of the highest and lowest Aprs

 

3.Individual sub groups for the main PDL Cos-this will make things easier for users.

 

4.Published guidance for fair dealing and business practice from the OFT

 

5.Complaints data from the FOS as available-see at a glance who is the worst.

 

6.Taking a look at terms and conditions.

 

7 templates for dealing with your own complaints and responding to threats of legal action.

 

That is a start.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Martin, that means the web site is have techicial problems or anti fraud department at their hosting provider closed its down.

Iaintw is a registered customer services official/profit Protection staff/supermarket worker and who deals with customers

Buying laptops with advice etc

ISP Moderator and chat room helper for chats

Aviationist and train advice

Credit references and bank helper advice

Loss Protection (civil recovery)

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Yes it has to be one or the other.

Given the very very large areas of advertising that these people were engaged in (the internet is saturated with them )

There would be no shortage of complainants if they were not doing things by the book or else not properly licenced.

Ae email to the OFT may not be a bad idea.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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But, I've not asked anyone for a loan in the last 4 months even nor have I any intentions of .

it is soooo unfair !!!!

 

I have received a text this evening after 9pm...

from www.payday-1.co.uk

 

Funnily enough it has an address of ...

For fastest customer service, please email [email protected].

We aim to answer all enquires within 3hrs of receipt.

Easy Loans is a trading name of Easy Loans Ltd. Easy Loans Ltd is licensed under the Data Protection Act 1998. Data Protection Number: Z1703023. Our consumer credit license number is 612532

Postal Address:145 - 157 St John St, EC1V 4PW, London

 

It says.. I can stop via the website

 

WHO ??????????????????????????????????????????????????????????????????????????????????????

WHY AND HOW ARE THESE DIFFERENTLY NAMED COMPANIES ALL ALLOWED TO OPERATE OUT OF THE SAME ADDRESSES !!!?

Happy to share my experience but for your own protection, please check and double check what myself and other Caggers inform

...

“Nothing in this world can take the place of persistence.”

 

:-)

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when you enter your mobile phone number on different payloan website you should give them false mobile phone number so their cannot contact you. These texts are breaking the Law on Data protection act

You should change your mobile phone number (dont give it to payloans) just give it to your banks only.

Iaintw is a registered customer services official/profit Protection staff/supermarket worker and who deals with customers

Buying laptops with advice etc

ISP Moderator and chat room helper for chats

Aviationist and train advice

Credit references and bank helper advice

Loss Protection (civil recovery)

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Yes this particular address is connected to around 15 Consumer Credit licence holders and probably more.

In some instances you will find that the same officers are also listed on a multitude of companies.

In this instance it appears that many are using 145-157, St. John Street, London, EC1V 4PW as their registered offices.

Quite often a company will exist as a Secretarial service-these are used in providing a registered office often well away from the main trading operation.

For example principle place of business is Sheffield-registered office London.

Many of the foreign companies who operate here as Body Corporate (incorporated outside UK) will use these companies for service of documents or correspondence.

Most of the Payday loan companies operating in the UK are US.

Some are affiliated to the BOA and the other big names often seen on here.

 

They get around the requirements by having multiple CC licences with variations and deviants of addresses.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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For info,those companies from the London postcode in question flag up these amongst others;

 

Chandler Hart Ltd trading styles;

Chandler Hart

The Quick Cash Club

http://Www.Thequickcashclub.Co.Uk

http://Www.Thequickcashclub.Com

http://Www.Thequickcashclub.Net

 

 

Crystal Money Solutions Limited trading styles;

 

Crystal Financial

Crystal Money

Crystal Money Management

Crystal Money Solutions

 

 

Agean Financial Services UK Limited trading as

 

Pounds In A Pinch

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Thanks Iaintw I appreciate what your saying

But I've not been applying for anymore blooming ****** loans! thats my whole entire point!

 

How can these companies all be based in the city of London near enough in close proximity to other payday companies and no-one know anything about them! it's all so strange distressing and quezy

 

How come the St John's St address for Easy Loans is that of 247 Moneybox ?

Why is there a connection to 88 Wood Street for Eze Loans and once Payday UK !!!! (who also go under Monthend Money etc, etc) am I missing something?

Why does Capital Finance One have around 5 other seperate ventures under it's belt?

What is the link between Cashoo Money, Power Loans, One Stop Shop Loan etc...

I could go on...

Happy to share my experience but for your own protection, please check and double check what myself and other Caggers inform

...

“Nothing in this world can take the place of persistence.”

 

:-)

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