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    • Well that's an interesting question if I outted myself or not. I did send an appeal to NCP in reply to the original letter although I was late with that and after their shut off date or what ever they called it. I'd just had a hand operation. However I did not say I was the driver but perhaps by even replying to NCP I make myself the driver by default. Is that right?   after the time or not I did fire off and appeal and have the receipt for that. See attached. Some time late I got a letter from Trace then it seems I was bounced over to BW.   I never herd back from NPC regarding my appeal. Total radio silence. Then came the Trace letters and then BW   I did send a bit of snot over to NCP. As I was using this car park on a daily basis for some months I did capture on day the pic with the masking tape on it just by chance.   Apart from that I was using the NCP payment app which did or did not work depending on the day. Talk about bugware!   I do have some 4 months of payment history within the app.     appeal1.pdf   so my point is that these machines do feck-up from time to time. I did not put the tape on there but someone did! bank card only.pdf
    • The pre contract information doesn't exist...therefore the first paragraph of your response applies in this case. My rights as a consumer still exist regardless, and the dealer was notified well within the 14 days of my request of a full return and for him to collect the vehicle.    Thank you for your response,  I'm also a female not that it matters! 
    • Credit Strategy’s latest webinar on supporting customers in times of financial difficulty, using automated processes and data-driven decisioning, is now available to listen on demand View the full article
    • This article compares how wee Nicola treats the Scots over Covid and how Boris is talking to the English. Interesting.   https://www.theguardian.com/commentisfree/2020/sep/25/johnson-sturgeon-public-compliance
    • These companies don't actually like to take people to court.  Legal fees in small claims are capped at £50.  However, the people who run the companies are so stupid that they are incapable of dealing with their own court cases and so have to employ local solicitors which costs them a bomb.  So even if they win in court they lose IYSWIM.     If you give them both barrels now there is a good chance they will decide it's not worth their while and go after some other naive mug instead.  There are no guarantees of course.   Just to clear a few things up.  You actually paid the parking fee - twice - but the machine was knackered, right?  Any proof of this?  Then the fleecers sent out a second demand without sending the first so you couldn't appeal or get the discount, right?   Also, can you remember what you wrote to them?  In particular if you outed yourself as the driver?
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    • @curryspcworld @TeamKnowhowUK - Samsung 75 8K TV - completely broken by Currys. https://www.consumeractiongroup.co.uk/topic/426151-samsung-75-8k-tv-completely-broken-by-currys/&do=findComment&comment=5069075
      • 4 replies
    • @skinnyfoodco Skinny Foods. https://www.consumeractiongroup.co.uk/topic/426130-skinny-foods/&do=findComment&comment=5068996
      • 8 replies
    • I’m in desperate need of help
       
      I bought some clothes online in may through Evans and paid through PayPal
      returned them all seven days later
       
      I waited the 14days for my refund and no refund came
      I put in a dispute through PayPal but I didn’t get any emails to escalate the case - PayPal closed it. 
      evans said they couldn’t refund the money because PayPal have cancelled the refund because of the open dispute
       
      I contacted PayPal
      they said the dispute had been closed but Evans at no point had attempted a refund.
      fast forward to today
       
      I’ve got copies of numerous messages sent to and from twitter messages as it’s the only way I can contact them
      I’ve also contacted their customer service too
      all I get is PayPal have cancelled refund because dispute is still open.
       
      I have proved that the dispute is closed
      I have got an email saying that if Evans sent the refund they would accept it
      but up until the date I got the email they have not once attempted a refund .
       
       I have sent them a letter before court email
      I have even offered to have the full refund as a gift card just to get this sorted !
       
      I’m literally at the end of my tether and don’t know where to turn next !
       
      i suffer with mental health issues and this is affecting my health and I’d saved the money for a year to buy these clothes as I’m on a low income .
    • In desperate need of help. https://www.consumeractiongroup.co.uk/topic/425244-in-desperate-need-of-help/&do=findComment&comment=5067040
      • 29 replies

Help- I need to get out of this hole


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Right then guys I need some help. After several periods of unemployment (for me and my other half) I started taking out payday loans. Now I've run up the following debts (my own stupid fault). I'm now at the point where I pay more out in loans than I earn- I cant keep it up anymore. I'm about to approach each lender with a repayment plan over 6 months and I need some advice.

 

I've got the following loans-

Quick Quid- £600

Payday Express- £500

Wonga- £350

Wage Day Advance- £150

Lending Stream- £300

 

I feel ashamed of myself listing them like this but I really dont know what else to do. How do the above respond to payment plan requests?

I'm obviously going to do the obvious and cancel cards etc and I'm not the kind of person to back down- I will hold my ground!

 

Thanks in advance for your advice guys.

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good on you watch Wonga they are abslutly the pits they are the ones that have cause me nothing but greif glad you cancelled cards etc as they will bleed your acct dry. I only owe thrm 3.95ish yet recon I owe them well over 300 quid if you wish to clear them best is to get payment details and do it that way otherwise they will bleed you dry DO NOT CALL THEM AS THEY WILL BULLY YOU keep in e mail or writing offfer what you can not what they demand Wonga will E mail with Odious E mail threatening this that and the other breakOFT guidelines then deny this Good luck and let uz s know what happens.

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Dont feel ashamed, many of us have been in the same hell hole but with help and support on here you can regain control of your finances. Payday express will come to an arangement but will ask for proof of time unemployed etc. same with lending stream. Quick quid will only accept a 3 month arangement so best to wait till sent to a debt collector where you will be able to sort a plan. How long have you been rolling these loans over ? Which ones are new ? Have some advice for most accept not dealt with wonga or wage day advance. I found emailing them all best as it allowed me to keep a record but also some phone calls too. You will need email responce/letters from them when they confirm payment arangements as proof. Also emails prove that you have tried to come to a reasonable arrangement and can help if your under alot of stress. I know i was at the time and found this helped me

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I've dealt with all bar Lending Stream who I've snowballed, and here's my take on things.

 

QQ - you will play email pingpong with them unless you can do a three month repayment plan, so hold off until they contact a DCA

WDA - very reasonable. Their collections manager is Richard King and while they do request I&E they will accept what other companies would consider a low offer without much quibble.

PDE - need nagging by email quite a lot but will eventually agree your plan. THey tend to like I&E too.

Wonga -need shooting. Send all your emails to Errol Damelin, the head honcho, and try and break it into a 12 month repayment plan - 12 months or below and they will accept, above that and you have very little chance of getting them to agree.

 

You are doing the right thing - you can do this and there is light at the end of the tunnel!

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Thanks for the advice guys- I cant tell you how much I appreciate it!:D

 

I've just finished drafting a letter to send out tomorrow- I default on most of my loans Tuesday so I will keep you posted on their responses. I will keep reiterating my offer and have basically told them that it is the most I can and will pay...

 

Although I haven’t seen any responses yet I already feel better about gaining control of the situation. All of the offers are fair and it would be suicidal for them not to accept my offers and take me to court. I am hopeful (no confident) for good results in the long run.

 

Thanks again guys and I'll keep you posted. If it goes well I'll post up a copy of my letter (minus any personal details) for anyone else to look at- it might serve as some inspiration to get out of one of these messes.

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