Jump to content


  • Tweets

  • Posts

    • I left a trustpilot review and P2g have emailed me with the obligatory apology and have refunded the postage costs and are will to give £10 extra pre pay as a good will gesture. However,  as i wrote this the Buyer has just txt.me.to say they have received the parcel !  So obviously im now going.to suggest that she pays via Paypal ... I rang her this morning to see if it had arrived but she said she was on holiday and there was someone in her house she would have to contact to see if it had arrived which she obviously has ... So now i know its been delivered i cant go for P2g But i Can accept the exta £10 ...
    • The defendant in this case is Parcel2Go.com Limited The claimant sent a parcel using Parcel2Go Ltd as a broker and Evri as the shipper via the Defendant's service containing which contained two handmade bespoke wedding trays to a customer with  under  tracking number P2Gxxxxxxxx. The parcel was never delivered although the defendant stated that three attempts had been made to deliver the parcel.  The claimants customer waited in for four days to receive the delivery but no delivery was attempted. There was no communication with the claimants customer.  Despite many web chats and emails the parcel was not delivered and on the Parcel2Go website it stated that the customer had refused delivery. This was not true as no delivery had been attempted.  I was The Defendant informed me that the parcel was being returned to me but after waiting three weeks I was informed by the courier that the parcel was lost. I was offered compensation of £20 + shipping fee which I refused and after sending Parcel2Go a Letter of claim this was increased to £75 which I also refused. The Claimant did not purchase the Defendant's insurance policy as requiring people to pay extra for rights already guaranteed under the consumer rights act 2015 is contrary to section 57 and 72 and therefore unenforceable. The Claimant rejected the Defendant's standard compensation offer. It is clear that the defendant is responsible for the loss of the parcel as they did not act with reasonable care and skill when handling the claimants parcel, contrary to section 49 of the Consumer Rights Act 2015.   By failing to ensure the safe delivery of the Claimant's parcel the Defendant breached section 49 of the CRA 2015.   AND THE CLAIMANT CLAIMS £370.00 being the value of the lost goods £xx.xx being the price of shipping and interest pursuant to s69 cca 1984.   See what BF thinks but I think something like this is better. Remember you are suing P2G not evri.
    • I disagree with the charge and also the statements sent. Firstly I have not received any correspondence from DVLA especially a statutory notice dated 2/5/2024 or a notice 16/5/2024 voiding my licence if I had I would have responded within this timeframe. The only letter received was the single justice procedure notice dated the 29.5.2024 this was received on 4.6.2024. I also disagree with the statement that tax was dishonoured through invalid indemnity claim. I disagree that the licence be voided I purchased the vehicle in Jan 2024 from RDA car sales Pontefract with agreement to collect the car on the 28.1.2024. The garage taxed the vehicle on the 25.1.24 for eleven payments on direct debit  using my debit card on my behalf. £62.18 was the initial payment on 8.2.24  and £31 per month thereafter the second payment was 1.3.24.This would run from Jan 24 to Dec 24 and a total of £372.75, therefore the car was clearly taxed before  I took the car away After checking one of my vehicle apps  I could see the vehicle was showing as untaxed it later transpired that DVLA had cancelled my tax , without reason and I did not receive any correspondence from DVLA to state why it was cancelled or when. The original payment of £62.18 had gone through and verified by my bank Lloyds so this payment was not declined. I then set up the direct debit again straight away at my local post office branch on 15.2.2024 the first payment was £31 on 1.3.2024 and subsequent payments up to Feb 2025 with a total of £372.75 which was the same total as the original DD that was set up in Jan, Therefore I claimed the £62.18 back from my bank as an indemnity claim as this payment was from the original cancelled tax from DVLA and had been cancelled . I have checked my bank account at Lloyds and every payment since Jan 24  up to date has been taken with none rejected as follows: 8.2.24 - £62.15 1.3.24 - £31.09 2.4.24 - £31.06 1.5.24 - £31.06 3.6.23-£31.06 I have paper copies of the original DD set up conformation plus a breakdown of payments per month , and a paper copy of the second DD setup with breakdown of payments plus a receipt from the post office.I can also provide bank statements showing each payment to DVLA I also ask that my licence be reinstated due to the above  
    • You know hes had it when they call out those willing to say anything even claiming tories have reduced taxes on live tv AS Salmonella says: The Conservative Party must embrace Nigel Farage to “unite the right”, Suella Braverman has urged, following a disastrous few days for Rishi Sunak. The former home secretary told The Times there was “not much difference” between the new Reform UK leader’s policies and those of the Tories, as senior Conservatives start debating the future of the party. hers.   AND Goves replacement gets caught booking in an airbnb to claim he lives locally .. as of yesterday you can rent it yourself in late July - as he'll either be gone or claiming taxpayer funded expenses for a house Alongside pictures of himself entering a house, Mr McGuinness said Surrey Heath residents “rightly expect their MP to be a part of their community”. - So whens farage getting around to renting (and subletting) a clacton beach hut?   Gove’s replacement caught out on constituency house claim as home found on Airbnb WWW.INDEPENDENT.CO.UK Social media users quickly pointed out house Ed McGuinness had posted photos in was available to rent     As Douglas Ross says he'll stand down in scotland - if he wins a Westminster seat - such devotion.
    • I've completed a draft copy to defend and will post up here for review.  Looking over the dates and payments this all stemmed from DVLA cancelling in Feb , whereby I set up a new DD in Feb hence the overlap, why they cancelled when I paid originally in Jan I have no idea. Anyway now stuck with pending court action and a suspended licence . I am also firing off a letter to DVLa recorded disputing the licence revoke
  • 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 
      • 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

5 payday loans,please read **


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5095 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 i have 5 payday loans

 

wonga £1391

payday express £500

quickquid £435

lending stream £487.50

payday uk £300

 

i have spoken to wonga via livechat and agreed 4x£300+payments with ALL interest/charges frozen

 

this is the email and i think she said i will receive a letter but am still at work,i want to pay them all off but the other 4 are charging £60-£80 a month to default whereas wonga arent!!

 

2questions really

 

has anybody else come to an agreement with wonga?

how should i play the other 4 ...am thinking it better to pay 1 of the others off in full? and default this month worry about the other 3 later;-/

 

if anyone has any advice that would be great?

 

 

 

 

Hi,

Your repayment details are as follows;

AmountDue Date£344.0805-Jul-10£344.0705-Aug-10£344.0705-Sep-10£344.0705-Oct-10

 

Please make the payments as agreed on the 30th of each month (so the 30th June 2010 , 30th July 2010 , 30th August 2010, 30th September 2010) to the bank details below;

HSBC

Wonga.com

Sort code: xxxxxx

Account number: xxxxxxxx

Ref: xxxxxxx

Link to post
Share on other sites

oh also i have 2 accounts with 1 a bank i have 2 x debit cards

 

my salary is paid into 1 of these accounts i usually transfer money online into the other account to withdraw cash make payments etc? only the 1st 4 digits are the same on both cards

 

will they raid my other account if they know who i bank with etc

 

*** am reading through all the other posts/threads with interest

 

alot of nice helpful people on here which is good to know:-)

Link to post
Share on other sites

she also said the interest will still be shown on my account during the 4 months but this will all be taken off when the final paymnent is made?...???

 

i dont know what to think?

Link to post
Share on other sites

anyone have any advice?

am thinking of paying wonga the installment and maybe 1 other off in full and leaving the other3 and making an offer

 

i dont want to pay £100 to extend it im not bothered about my credit rating either really

 

am more worried about phone calls to home/work than anything??

 

and if 2 different acc numbers/cards can be linked by them and clean it out? this will all be happening wed 30th june....;-0

Link to post
Share on other sites

Wayne surely if you concentrate on one loan at a time the charges will got rhough the roof on the others and make them totally unmanageable? Is there anyway the other companies will hold on and freeze interest until you are in a position to pay them?

Edited by dawny36
spelling
Link to post
Share on other sites

I agree with Dawny here - I'm going through it at the moment and it really is better not to favour one creditor over the others. You'll end up chasing your tail and getting in a bigger mess. Offer the other companies what you can reasonably afford on the condition that you have all additional interest and charges frozen.

Link to post
Share on other sites

Thanks for the advice ;-) so far i have a payment plan with Wonga and Quickquid were very helpful saying they cant do anything til you default on the loan? and even agreed to contact by email only...whats the catch???

 

 

just 3 others to go now

 

 

QQ Said they have sent the request to the bank already and takes3 days to change anything?? does this mean even if the funds arent there i can so into a negative balance?

 

i havent yet cancelled my debit card(have2 accounts with same bank 1 my salray goes into and the other has a cashpoint card so if i cancel i wont be able to get money out!!)

 

duno what to do

Link to post
Share on other sites

both electron cards and identical

 

there is a signature strip and 2 different 3 digit numbers on back of both

 

think i have a pin number somewhere at home but doubt i can find it ive just never used that account til i recently moved my salary to it? and itd take weeks to get a new 1

 

 

thanks for all the advice and for reading;-)

Link to post
Share on other sites

report both of them lost NOW!! Dont ignore the lenders, offer a repayment plan to everyone and be upfront and honest. Make sure they do not get hold of your details whatsoever. You need to pay them directly. PM me more information about the lenders and amounts, i'll help you with what to offer each one...

Link to post
Share on other sites

I agree with Jamie. Report your cards as lost immediately or (despite what they tell you over the phone!) they will take the full amount or whatever they can from your account.

 

Try to set up a new bank account to be extra careful. Even with a poor credit history I managed to get a 'cash card' account offered by Natwest and Barclays so I changed my wages into that account and then pay all the creditors out of my old account (I transfer just enough money to cover the payments) so there is no way they can get hold of my account details.

Link to post
Share on other sites

I would avoid sending a PM to another cagger who you know very little about, I suggest you make them an offer of whatever you can afford, either that or you contact the national debtline - National Debtline – Free, Confidential Debt Advice – Call 0808 808 4000

 

I was only trying to help - thanks, i guess? :confused:

Link to post
Share on other sites

I see what 42man means, but there is nothing to be afraid of, as long u dont provide any private details, dont use the precise amount just change it with a couple of pounds etc.. and dont use any real names / account refs or numbers etc.. no problems in that, Jamie just trying to help! nice of him.

Link to post
Share on other sites

Jamie's really helped me out this last week and does give some very good advice - all of us who've been in this boat are here to help you out so draw on our experience.

 

I don't know about Lending Stream but from my experience both Payday Express and PaydayUK are pretty ok to deal with and will agree a payment plan, although you may need to nag PDE to get a final agreement and bank details. They also respect your request not to phone. Be honest, explain that you've gotten yourself into a mess financially and are seeking debt advice and insist on standing order payments only.

 

I've found that by paying by SO and informing them when I've made the payment it keeps them sweet!

Link to post
Share on other sites

Thanks for all the advice its helped alot

 

wonga have agreed

quickquid might agree i just emailed them and the other 3 would ideally like to get agreements before 01/07 so i can start the repayments

 

will keep trying i guess

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...