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    • Pleased we can at least agree on that.  
    • I will await the final confirmation tomorrow I also attach the Draft Order, please can these be checked Andyorch and BankFodder before I submit these online tomorrow I of course will amend the details to add the names etc before I send this. In the Leicester county court Claim No. ... Before District Judge ……… Dated 23//10 20… Claimant/s Mrs XXXXXXX   and Defendant Goosedale Draft Order     IT IS ORDERED THAT: 1. . Pursuant to CPR 19.4.1 and CPR 19.2.2 (a) it is requested that a second claimant Mrs xxxxxx be added to this claim. It is desirable to add the new party so that the court can resolve all the matters in dispute in the proceedings. 2. The proposed amended particulars of claim be reserved Pursuant to Practice Direction 19 ( 2.1 ) ###### End of Order ######     Amended Particulars of claim for N1.   The claimant and second claimant joinder seek reimbursement of £7700 paid to the defendant on XXX date 2019 in respect of a frustrated contract for a wedding venue booked for the XX date 2020 and which was cancelled by the defendant as a result of implementing government restrictions in respect of Covid 19 Legislation.The principle claimant makes this claim pursuant to Contracts (Rights of Third Parties) Act 1999. The defendant has refused to refund the contract price. The claimant seeks £7700 plus interest plus costs.     N244_web_0818 COMPE.pdf
    • The Financial Conduct Authority (FCA) is again urging consumers struggling financially during the pandemic to seek help - after discovering that 12 million people have "low financial resilience" View the full article
    • https://drive.google.com/file/d/1WrcF2oEOydGXCZYwhZcYB7QmnP_9jNaQ/view?usp=sharing I think I have figured it out. Sorry   
    • Hi everyone   I joined DL a few months ago. Was offered a discount as "friends & family" because I knew a friend who works there. A few days later, I upgraded my membership to Platinum and specifically requested the Spa retreat as well. I was issued a new card, which had correctly  labelled that it was Platinum card with Spa retreat. And payment was agreed at £125 per month.  No worries because I have been going 6 days a week. Everything going well for a few months.   Then i lost my card. Was issued a new one. Went to use access the spa and wouldnt let me in. I asked what's wrong and they informed me that my membership did not include the spa. Now they have confirmed that there was a glitch on the salesperson's app that allowed the wrong price to be accepted.   This glitch has been brought to managements attention and has now been fixed. However, they now want me to pay the correct price to access the Spa.   Surly, they have to honour the original agreement made with me?  or do they?   Thanks for your help!   Jameson  
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    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
      We had a 10yr  finance contract for a boiler fitted July 2015.
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
      You only have to look at TrustPilot to get an idea of what this company is like.
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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Huge Payday Loan mess - making progress!

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Firstly I just wanted to say a big thank you to this site for all the great advice and support that it’s provided. I would never have had the courage to get off the re-loan roundabout without it.


I let myself get completely out of control with payday loans (never again!!) so wanted to give you an update on my experience with sorting out PP’s with the the lenders:


I have set up payment plans with Payday UK, Wage Day Advance, Debit Card Loans, Wages Today, Uncle Buck and Microlend all relatively easily. All of these companies were very pleasant to deal with and were happy to take a reduced amount to clear the debt as I was very honest with them. I have offered very realistic payment plans which should clear the balance in 3-4 months. These loans were all small in size so easier to pay off more quickly.


Cash Genie – 3 month payment plan agreed. Interest/charges frozen – they do keep sending me the standard ‘your loan is overdue’ e-mail but I am continuing to pay and will be clear next month


Capital One Finance – I’ve set up a 6 month payment plan with these idiots @ £50 per month. Once you finally get through to someone via phone/e-mail they are ok to deal with but it takes ages to sort out as they just ignore you. Keep e-mailing with the subject ‘complaint’ and advise that you are keeping all the e-mails you are sending so should they take any further action, you can prove you have tried on numerous occasions to offer a repayment plan. I think I sent an e-mail a day for a month with the same message! Someone finally got fed up with me and replied!


EPDL – proving difficult. I’ve noticed that they have today re-instated my DD for the full amount of the loan. Luckily I caught this and got the bank to recall the money (I have changed all my cards/bank account details anyway so it would have been rejected, I guess I would have been charged though)


Lending Stream – still waiting for a response. Has anyone else had any luck here?


And finally....


Like many others I am struggling with PTP and QQ. That said, the calls seem to have stopped and I’m e-mailing them regularly stating the same payment plan offer etc so I’m hoping PTP will get passed to clarity soon so I can start clearing the balance.


Anyway, for all those reading this who are in the same position, do something about it now. I promise it isn’t half as bad as you expect it to be (I barely slept the night before I defaulted on them). Be honest with the lenders, most are sympathetic and for those that aren’t, be fair with your payment offers and stay strong.


I should be out of this mess in 6 months time and I’m so looking forward to not having to worry about rollovers and reloaning ever again!!!

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I've nearly set up all my payment plans too - QQ and EPDL to get sorted as they haven't made contact, the others have made contact but Wonga are ignoring me and PDE are dragging their heels!


I have to say I didn't sleep last night but now I feel like a weight has been lifted from my shoulders. It may take me a year to finally clear but boy oh boy it's gonna be worth it!!

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Well done with being honest with so many of the lenders - its obviously proven useful. I dont think there is anything more you can do with the idiot lenders who wont accept smaller repayments, plain stupid is what i think. Just keep badgering them either they will accept or a debt collection agency will accept for them... good luck.

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Agree with all the above...

there is a light at the end of the tunnel

Just need to step out of the spiral and take control.

Much easier once you take charge of the situation.

For what it's worth, i managed a 12 month repayment plan with Wonga!

Am still waiting for a call from paydayuk who have had "my" offer several times now by email...

QQ are the difficult ones so far....seems like they are totally ignoring every email i send.....but at least i have a record.

Good luck everyone

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