Jump to content


  • Tweets

  • Posts

    • Yep   Matt Hancock United Nations job offer withdrawn WWW.INDEPENDENT.CO.UK Anti-poverty campaigners protested over his role in blocking vaccines for developing world  
    • I hope you noticed that your posts have had to be restructured first of all my my site team colleague and then your second post by myself. Please can you present your posts properly spaced and punctuated. It's extreme difficult for people to follow when they are in solid blocks of text – especially when people using small screen such as telephones. Thank you. Please stand by for a fuller reply later
    • 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.    
  • Our picks

Request for Payday advice.....( kinda urgent ). **


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4203 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

First off this forum is a godsend, Spent a few days browsing the threads.

Hats off to the people that take time help.

 

Righto.

 

1) I have 6 payday day loans and like a lot of others here have been paying off interest and reloaning for god knows how long. Decicded this has to stop.

 

2) People I have loans with are below and how much I am prepared to pay.

 

Wonga : 420 / can pay 75 month.

Payday Express : 600 / can pay 75 month

Payday UK : 420 / can pay 75 month

Safeloan : 310 / can pay 50 month

Quickquid : 250 / will pay off in full next month if they hold interest / charges.

Cash Genie : 100 / will pay off in full next month.

 

3) Does that look reasonable, If the interest is frozen theres a good chance i will be able to pay them off quicker, Anyone had any dealing with SAFELOAN?, Most of the other firms have a thread or two dedicated to them ( so will gather info from them ).

 

4) Wonga are going to be nightmare aren't they :mad:

 

5) REALLY IMPORTANT : could someone point me to a TEMPLATE ( is there one for payday loans in the letters section? ) to send first of all to these guys once I have defaulted re. freezing interest / setting up plan / make offer etc.

 

Many many thanks for reading and I will keep you guys upto date on how things work out and no doubt will be back for some more advice.

 

cheers

 

rob.

Edited by RDJ2010
Link to post
Share on other sites

Hi

 

i am in the same situation as you, just a couple fo different companies. i think wonga may be the most difficult. i have 7 loans, but 3 of them are only around £130 (including interest) so on my next payday im going to pay these of, then split the rest of my money bewteen these 4.

 

Payday Express have been very vrey good, i set up a plan for 3 months (4 months ago) for £175 a month, and on the 3rd month i didnt have enough money in there, i thought s**t, im going to go back to square 1. But the bloke just said to me, i cant split the last £175 over another 3 months :-)

 

Quick quid adds £12 to default, but they are pretty good, they wont interest on a daily basis like wonga.

 

i have been emailing payday uk back and forth and they said they can talk payment plans once i defaulted (i have got my wages paid into a seperate account now) so im pretty sure i will default.

 

If you have done what ive done, and read pretty much every link here about payday loans, you get very worried and anxious about it all, but it isnt that bad - once you sort all of this out, you fell so much better.

 

End of the day you cant get blood from Stone, and these companies know that - just try to pressure you to repay it. They will not take you to court, just pass it on the a 3rd party agency, which is a good situation i think.

 

good luck mate, its a crap situation to be in, but atleast ur trying to sort it out, and in a few months you shud be sorted. Thats what i think bout. Im use to living on £50 a month, i cant imagine what its going to be like to have ALL my wages to myself lol

Link to post
Share on other sites

Yeah i think they were reasonable, i looked on this site and there have been some bad reviews..they have been helpful with me, maybe it just depends on who you deal with. If you do an I&E form, dont forget to include costs for the little things, like clothes and haircuts..sounds silly but all that stuff can be included. and before you send it, make a few copies incase the other companies need them.

 

good luck with it all :-)

Link to post
Share on other sites

I have an income expediture form which I designed and sent to all my payday loan company's when sorting out a payment plans.

A few points to remember with I/E forms are 1) They don't have to be given to creditors despite what they may tell you.Only a court can request an I/E form.But if there's nothing to hide why not? 2) Include only your income / expediture and YOUR contrubution to household bills.The creditors don't have a right to know the ins and outs of the rest of family members 3) As said before include everything you can..including birthdays/christmas.

If you want a copy of my form (blank!) PM me.I pulled the info as to what to include from Insolvency service / cccs and CAB.

Link to post
Share on other sites

  • 3 weeks later...

Hi

 

I have two loans - one is £1,234 with PTP, the other is £960 with QQ (including interest). Been going on reloaning for over a year and decided enough is enough last month. So, i cancelled the direct debits and sent them both a letter saying i cannot afford to pay in one go and offered to repay the balance over six months. I also threw in that I'd spoken to a solicitor and knew my rights, and reminded them of their obligations not to harass me by phone etc.

 

No payments came out of my account by the usual direct debits as it was cancelled - it was a very good feeling to see a months salary go in and not vanish immediately !!

 

I told PTP that I could pay £205.80 per month for 6 months and paid it into the account number they give on their website, made sure I got a receipt. I then waited for the bombardment of phone calls and emails. However, Im very surprised to say it has not been bad at all. I picked up one call from Monica Hooper at PTP, she tried to give me a bit of grief, but I think as I had made a payment in line with the payment plan i suggested she was ok about it. Not heard anything from her since - sounds i got away lightly not getting Gavin Armstrong.

 

QQ have sent a few emails saying I cant pay over six months, but could over three. I said couldn't afford it and would only do six. They then said four, I have said id do it over five and am still waiting to hear.

 

Anyway, from my experience i wish I had defaulted a hell of a lot earlier than this. If you have large loans outstanding like mine, but you can make reasonable payments then defaulting is a far better option than continually reloaning. It seems that they give you the most grief if you default then say you can only afford to pay £1 a month or something

 

Anyway, just thought i would give back a summary of how im getting on, its thank to all the advice on these forums that im finally getting control of my finances back and am now almost through a month without having to reloan !

 

Cheers, and good luck

 

Genie00

 

P.S. RDJ2010 I would say try to clear Wonga first as they seem to be the ones who charge daily interest. There's no point paying QQ all in one go as all they do is add £12. Just check the T&C's for the different loans and try and clear the ones that will accumulate interest before the ones that just add a one off charge.

Edited by GENIE000
Link to post
Share on other sites

 Share

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...