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    • you still have not answered the above. .......................... as for their letter and your reply: the 1st single paragraph detailing why you were reported is the only part specific to you. the rest is the bulk std TfL template letter that everyone gets when reported. 3 does not apply to you anyway as the report is one of detected fraudulent misuse of a freedom pass not in your name, not a case of a pass you held that you could not produce at the time. mail them your begging letter, but lets see it first.
    • Hi HB,  Have you come across cases where there are no mitigating reasons as to why TfL should not proceed with a prosecution?   
    • hope everyone can see this (might be issues if not UK connection)   Post Office lawyer was a jack of all trades, but failed his own | ... WWW.COMPUTERWEEKLY.COM Post Office IT scandal inquiry hears how a lawyer was at the centre of the Post Office’s attempts to prevent problems with its IT system...  
    • as if a lawyer, let alone a senior one wouldn't have full documentation - if she claims she hasn't - claw back all the payments made to her   https://www.lawgazette.co.uk/news/post-office-inquiry-live-former-gc-susan-crichton-gives-evidence/5119453.article?clearcache=1
    • Id start by submitting a formal Subject Access Request to the local authority. State that you want all data including telephone recordings.   They'll have a month to provide you with the data and recordings then
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    • If you are buying a used car – you need to read this survival guide.
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      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.

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      Many thanks 
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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.

      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

My Payday Loan Hell, Please help me **


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I am in some really big trouble with payday loans. I have 6 of them in total. It all started last year when I really needed some cash. I borrowed from one, then paid it back and then re loaned again and its been a vicious circle since then.

 

I was made redundant 8 weeks ago and have started claiming jsa which is only £60.00 a week. The thing is, it is really getting to me and I don't know what to do. I can't talk to my parents about this as they would go absolutely mad and the only other person I could talk to is my sister but she is more interested in her boyfriend then anyonelse but that is a different story.

 

The payday loans I have are:

QQ - They have been in touch too and have offered a 4 month plan but I can't afford it

PTP - Clarity have been in touch and am negiotiating a plan

Mr Lender - not heard anything from

Payday UK - Keyes have been in touch and I have a plan in progress

Payday Express - not heard anything from

247 Moneybox - having trouble setting up a plan.

 

I got some good news the other day, I got a full time job which I was happy with. I start monday. I have had 2 letters from QQ and as you know the envelope has QQ all over them.

 

I would like to know how many notices do QQ send before it gets passed to a dca?

 

Also can anyone give me advice on what to do??

 

Please

 

Thanks

 

Pinkgems

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Okay pinkgems, dont panic ! They normally take till the debt is 90 days overdue. They will send you to gothia or muckhall. Gothia are ok the better ones will offer a reduced settlement after a few weeks. Hall and co are a different kettle of fish but they will accept a repayment plan if you stay firm. Hope this helps can help you more when i know which dc they send you too. The job news is fantastic and im thrilled for you.

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First off - well done on the new job!

 

Secondly - how to get out of the situation...

 

QQ - I agree with Jelly here, I'm waiting to go to DCA with them.

Mr. Lender - email them and ask for a payment plan. They may offer you a reduced full and final settlement but were pretty good with me.

PDE - email them and make them a payment offer. They'll ask for income and expenditure - that's not a problem as long as you make sure they can't find any more money!

 

Sadly I don't know much about 247 but I hope that helps!

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Another thing - have you reported your debit card as stolen? And changed your phone numbers with them?

 

Jamie is right - don't let them push you. If you feel threatened by them on the phone then insist on everything in writing for your records - and your mental health (that tends to scare them plus it has the psychological advantage of giving you a barrier. You can take your time to think when replying to a letter or email, on the phone you have to be more on the ball).

 

PDE will respond by email as will Mr. Lender, although they may call too. QQ haven't written to me yet - they keep sending automated emails which they are getting increasingly sarky responses to as I'm getting fed up of Aqua, Angel and LaToya emailing me with their pre-prepared responses!

 

Stay strong - I would recommend telling your parents though as while they will be worried they will provide support. They may surprise you. I know when I got into a heap of debt problems a few years ago and ended up on a DMP my parents were miles better than I expected. If there's a chance they will see the letters etc then it may be best to come clean. I know that's probably not what you want to hear but it's sometimes better to do something you really don't want to do. Obviously I don't know your family dynamics but if you can tell them it's worth it.

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Regarding 247, I have just set up a weekly plan with them paying £15 per week which they seem happy with and has kept them quiet for the last few weeks! As everyone else says, stay strong and firm and just offer a reasonable amount that you can comfortably afford. Good luck, keep us posted.

 

Similar to cornetgirl, I'm still playing e-mail ping pong with QQ...

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  • 4 months later...

Hello everyone,

Just thought I would update you guys with my situation.

Its been a couple of months since I did my post and I am glad to say that I have made repayment plans with all of my payday loan lenders.

I have finally agreed one with quick quid over 3 months, the payments are higher then I would of liked but I really dont want to have to deal with mckenzie hall, I have heard some aweful stuff about them.

I am hoping by late next year, all my loans will be repaid :)

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Hi

Just to say really be careful with these companies they can be crafty! You have set up a direct debit and there is nothing stopping them taking whatever they want. You ought to change this to a standing order. That way, only you can change it. Also, you have given some of the other companies your debit card details and they may say they will only take the agreed amount but this happened to me. They were supposed to take £35 (like they took the first 2 months) and then the third month took £280 out of the blue. I rang them and said about the agreed repayment plan and that I wanted a refund. Well I never got one because they didn't want to know, they just wanted their money any way they could get it.

My advice would be to cancel your debit card and request a new one. Don't give these datails out to any of them. Then pay the agreed amounts each month either by standing order or ask for their bank details and pay it in at the bank over the counter in cash.

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Just to add to siennasmummy above, I had a brief chat with my ex bank on cancelling my card and also cancelling a QQ direct debit (which curiously I couldn't do online) - he said that even if there was nothing in the account, no overdraft facility and no debit card, QQ could still extract payment as it was deemed a "cash transaction".

 

He further stated that if the account (which is a basic debit account) went oevrdrawn then they would close it immediately. Which in some respects would be preferable, in terms of repaying an overdrawn bank account than having to deal with QQ or their minions.

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