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    • J&P Credit Solutions are specialists on debt recovery. Either way they seem to be swapping between the JandP and IDR whatever their exact definitions are.
    • Primary and secondary teachers are supporting pupils with their own money, buying food and warm clothing. Eight in 10 primary teachers in England spending own money to help pupils | Education | The Guardian WWW.THEGUARDIAN.COM Increasing numbers of children hungry and lack adequate clothing, with two-thirds of secondary teachers also supporting pupils  
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    • You can counter a Judges's question on why you didn't respond by pointing out that any company that charges you with stopping at a zebra crossing is likely to be of a criminal mentality and so unlikely to cancel the PCN plus you didn't want to give away any knowledge you had at that time that could allow them to counteract your claim if it went to Court. There are many ways in which you can see off their stupid claim-you will see them in other threads  where our members have been caught by Met at other airports as well as Bristol.  Time and again they take motorists to Court for "NO Stopping" apparently completely forgetting that the have lost doing that because no stopping is prohibitory and cannot form a contract. Yet they keep on issuing PCNs because so many people just pay up . Crazy . You can see what chuckleheads they are when you read their Claim form which is pursuing you as the driver or the keeper. they don't seem to understand that on airport land because of the Bye laws, the keeper is never liable.   
    • The video-sharing app told the BBC that a "very limited" number of accounts had been compromised.View the full article
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    • 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.

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      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
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payday loans should be banned**


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Hi everyone - I am totally new on here but so desperate to receive some totally impartial advice.

I am in arrears with GE MOney (£7k) on mortgage and got in a right mess with various debts, including payday loans (3 in total). I have made decision to go bankrupt but to rent another property will need to keep rent/.deposit as well as bankruptcy fees. I honestly believe I have more than paid my payday loans in interest monthly, etc. How can I avoid them taking the full amounts due on my next pay day at end Feb. Can I change my debit card so they cant access full funds and ring them to suggest a smaller repayment plan. Also, worried they will harrass me at work. I have to put myself first in this and ensure I have somewhere to live when I lose my house. All this stress is so worrying and am not sleeping or eating now. I am trying to hold my job down but worried if phone calls start coming to work that I will be so embarrassed that I will leave. How can I "nicely but firmly" tell Wonga, Payday Express and Cashchoice that I cannot pay them full amount but will make reduced payments. I am hoping that when i go bankrupt that they will come under the creditors list.

Many thanks - I hate all of this - never been in this position ever. So so stressful

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Hi Pammy

 

Sorry to hear you are going throught the mill. I can't advise you on most of your issues but can give you some pointers on your pay day loans. When you go bankrupt your payday loans companies will have to whistle.

 

In the short term report your debit card as lost or stolen as should stop them accessing your bank account. Make sure any direct debits are cancelled and keep checking that they do not reinstate them.

 

You will then be in control of your money and these companies will have to negotiate. You might get the occasional phone call at work but if you reply to their e-mails etc they generally leave you alone. have a good read through this forum on what you can expect.

 

Have you spoken to someone like CCCS or CAB about your overall financial position?

 

Good luck

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But what about the people who use them responsibly? Not saying you didn't but they do fill a gap in the market for quick cash albeit at a high rate.

 

Put it this way - should they ban knives because some people use them for killing rather than cooking?

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i am not sure if i agree with that...i have had payday loans save my behind in time of need...my checking account was near being negative and i had a bunch of small payments going through...here in US each one of them would have cost me about $35 per over draft end of the day I would have paid over $100 in overdraft fee. But I took a payday loan, paid only less than $30 for it, and I saved over $70 of over draft fee.

 

Payday loans should not be banned or illegal, but people should be educated when to apply for them.

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