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    • good you've learned to copy and paste.. now you need to answer the questions.....   where each one says Give answer here click it & just type your answer   as for all your documents, emails, appeals/replies etc there is a fully detailed upload<<clickme guide redact anything like pcn/ref no's, addresses, reg no's, pcn,email addresses of YOURS (ie anything they can use to ID you on here) but LEAVE all times/dates costs etc
    • Wait and see what they offer you then.  As I said above, if they have made a mistake it is possible that they might decide not to proceed out of embarrassment, even if the error is not such as to disadvantage you.  They did in SpeedyCBR1100's case.  You might get lucky too.
    • f you have received a parking ticket or a letter concerning a parking ticket:   Firstly, please check whether this is a PENALTY charge Notice or a PARKING charge. If this is a PENALTY charge notice from a County Council or TfL , please click HERE   Do not ever use or give an email address to a private parking company or their dogs   Choose the relevant section below: WINDSCREEN OR ANPR [for ANPR there will be TWO PIX of entry/Exit] copy and paste the relevant questions section to a new reply msg box in YOUR TOPIC...answer each question at its end..hit send/post   For a windscreen ticket (Notice To Driver) please answer the following questions....   1 The date of infringement? Give answer here    2 Have you yet appealed to the parking company yet? [Y/N?] Give answer here YES   If you have then please post up whatever you sent and how you sent it and the date you sent it, suitably redacted. [as a PDF- follow the upload guide] By email Has there been a response? Give answer here   Please AS A PDFFILE  ONLY ..post it up as well, suitably redacted. - follow the upload guide]   If you haven't appealed yet - .........DONT ! seek advice on your topic first.   Have you received a Notice To Keeper? (NTK) [must be received by you between 29-56 days] Give answer here   What date is on it? Give answer here   Did the NTK provide photographic evidence? Give answer here   [scan up BOTHSIDES to ONE PDF of the PCN and your NTK - follow the upload guide]   3 Did the NTK mention Schedule 4 of the Protection of Freedoms Act 2012 (PoFA) [Y/N?] Give answer here   4 If you appealed after receiving the NTK, did the parking company give you any information regarding the further appeals process? [it is well known that parking companies will reject any appeal whatever the circumstances] Give answer here   5 Who is the parking company? Give answer here   6. Where exactly [Carpark name and town] did you park? Give answer here   please do not put JPG Picture files into your post   .............................   For PCN's received through the post [ANPR camera capture] (must be received within 14 days from the Incident)   Please answer the following questions.   1 Date of the infringement Give answer here     2 Date on the NTK [this must have been received within 14 days from the 'offence' date] Give answer here   [scan up BOTH SIDES as ONE PDF- follow the upload guide] please do not put JPG Picture files into your post   3 Date received Give answer here   4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?] Give answer here   5 Is there any photographic evidence of the event? Give answer here   6 Have you appealed? [Y/N?] post up your appeal] Give answer here   Have you had a response? [Y/N?] post it up Give answer here   7 Who is the parking company? Give answer here   8. Where exactly [carpark name and town] Give answer here   For either option, does it say which appeals body they operate under. Give answer here   There are two official bodies, the BPA and the IAS. If you are unsure, please check HERE   If you have received any other correspondence, please mention it here   Copy the windscreen or ANPR section to your thread and answer the questions... …….... In either case scan up bothsides of any letters/tickets in or appeals made out to ONE MULTIPAGE PDF ONLY please do not put JPG Picture files into your post I really don't know how to put all the emails and letters into a PDF and then  put them here.  I have written to all and sundry and have dozens of emails.  The last development was the Cllr for RBKC saying she can do no more but has got the payment date extended to the 5 August and am now waiting for the response from CEO of Peabody or his Media assistant. I find this site difficult to navigate and need someone to help me with technicalities.
    • Thanks for the update   FRB = future revenue benefit   Can you upload the letter you refer to in the last para of your last post but hide all identifiers  - see out upload guide.   I may suggest you send them the same letter I suggested in the post here, but you should alter it slightly to make it your own - https://www.consumeractiongroup.co.uk/topic/435744-hmrc-asking-me-to-repay-fast-tax-rebates-ltd-scam-rebate/?do=findComment&comment=5122682  
    • From Sunday, government payments reduce to 60% towards salaries, with employers paying 20%.View the full article
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Provident settlement figure more than original loan - surely not?!


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Hi I wonder if anyone could clear up something for me.

 

I, as a last resort, took out a provident loan a few wks ago of £300. I have no intention of going full term and paying all the interest and requested an early settlement figure which they quoted me today of £309. Is this right?? I worked it out to be about £280ish - i dont understand how the settlement figure can be MORE than the original loan???

 

Here are the details of the loan -

 

Loan = £300

APR = 272.2%

duration = 51 wks

repayment amount = £10.50

Total repayable = £546

 

I have made four payments so far. I thought that the repayment amount would be split into APR and loan something along the lines of £4.82 APR and £5.68 Loan per week - which would mean I would have paid off about £22 so far. Am I just completely wrong? :confused:

 

Thanks in advance

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make them a offer of the amount of loan they gave you minus the amount you have paid them.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

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make them a offer of the amount of loan they gave you minus the amount you have paid them.

 

Hi godmother thanks for the reply,

 

Do you know if that would work? Have you done that or know anyone who has? I know its only £9 but its just the principle of the matter more than anything else - even if the quote was £299!! When i questioned the rep she just said its because of the interest and became quite defensive when i asked wasnt that what paying it off did - cut the interest off? Im not sure she knows how it is worked out herself tbh she couldnt explain it just tell me that "thats just the way it works out" - not an explanation in my eyes.

 

I also wonder if the fact that she comes round on a mon instead of the fri when it is due would make a difference seeing as it would make me look like i was late by a couple of days and pull the outstanding amount into an extra wk?

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I made them a offer like that b4 and as result they took it. Ok it was not much money, it turned out l was going to be paying them £30, but they still took it.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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You have to remember it might not work as well for you and DO NOT offer more than you can afford. you have to remember l made them a low offer as thats all l truly owed and minus there fees rate.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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how many days from the date of loan until you asked for a settlement figure?

Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.

 

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that will by why then as they calculate it based on the amount of days you have had the loan. Wait a bit longer and try and keep hold of the money

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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if it was 28 days . you wouldn't have paid any interest at all

 

who did you ask your agent or the office?

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you took out £300 and they have charged you a whopping £246 interest, so your total is £546.

 

do you know that you can get ALL your loans/debts wiped out in 12months by only paying £90 and making an application for a debt relief order, after 12 months ALL your loans inc your provident will be wiped out. When making the application for the debt relief order make sure you are paying under £50 a month to provident in your repayments or provident can use that to file an objection with the insolvency service............

 

right.......... now you have filled in your debt relief order and sent the £90 to the insolvency service, now just sit back and wait 12 months without paying any of your debts to any of your creditors, after the 12 months have expired..........ALL YOUR DEBTS will be wiped away, simple as that

 

your better offer paying £90 for a debt relief order and saving yourself well over £400 in the process

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