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    • just got out of the virtual court, lasted over an hr!   So bwlegals rep tried to disregard my witness statement because they didn't receive it until the 4th August,  Judge  asked me when it was posted, told him 15th, he asked why it wasn't posted before that to ensure it go to the solicitors on time, basically told him I am defending myself, im not a solicitor and to put my defense together takes time and i only relieved bwlegals response on the 14th , and I did email the court on the 15th once I had completed it.. Judge was happy with response 1-0 to me   Then the solicitor went on a spree about all the appendices... images etc and to disregard the 3 hr  images and use the new witness statement, I asked to speak and pretty much nailed it with lookinforinfo's response   Solicitor asked me whether I agree that the parking is 2 hrs or not, i said in July 2019 I would have said no, its 3 hrs like the rest of the retail park. He asked did you read the signage, I said no.. i have parked in the retail park all the time and its been 3 hrs, i referred them to the website which states puregym is part of castle marina retail and it states 3hrs, solicitor gave some bs and asked to disregard that as its third party..    Then the judge had his final say.. and to be honest it felt like being in the apprentice board room.. one minute i'm like crap this isn't looking good, then its like.. oh this looks good.. then its like oh crap i've lost... summing up Judge said the images provided by the claimant provide no help whatsoever, you can't even read the images.. The 3 hr parking image is legit, if you look at it closely it is  a proper sign and not a dummy image like BWlegal were claiming (tbh i didnt notice that) There are no images of the car park signage on the date of the overstay.. so claim failed!!   I WIN !   Well i should say we win, I could not have done this without you guys huge thanks for everyone who helped   and i'll make a donation to this site to help others  
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Minicredit -advice please


Stupid1
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Took a £100 loan from this company. Offered them a settlement of £150.00 and have received the following emails from them today... Are they allowed to do this?? Please can someone comment urgently as to where to go from here.... My Hubby getting very stressed and just want to get my mess sorted as soon as so we can get on with our lives... Thanks CAGGERS!!

Please read the loan agreement you accepted when taking loan from us. Thank you.

Principal: £100

Interest to date: £57,50

First late payment charge: £25 (added 1 day after due date)

Second later payment charge: £55 (added 3 days after due date)

Debt collection charge: -£100 (added 30th of days afte due date)

Total balance today: £237,50

We are not able to accept the settlement offer you made however if you make the payment today then we'll remove manual debt recovery charge £100. The settlement balance would be £237,5. This is last offer from us otherwise we'll forward your case to our lega team. Thank you!

The charges have been added to the loan balance according to the Loan agreement.

 

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Took a £100 loan from this company. Offered them a settlement of £150.00 and have received the following emails from them today... Are they allowed to do this?? Please can someone comment urgently as to where to go from here.... My Hubby getting very stressed and just want to get my mess sorted as soon as so we can get on with our lives... Thanks CAGGERS!!

 

Please read the loan agreement you accepted when taking loan from us. Thank you.

 

Principal: £100

Interest to date: £57,50

First late payment charge: £25 (added 1 day after due date)

Second later payment charge: £55 (added 3 days after due date)

Debt collection charge: -£100 (added 30th of days afte due date)

Total balance today: £237,50

 

We are not able to accept the settlement offer you made however if you make the payment today then we'll remove manual debt recovery charge £100. The settlement balance would be £237,5. This is last offer from us otherwise we'll forward your case to our lega team. Thank you!

 

The charges have been added to the loan balance according to the Loan agreement.

 

 

Hi stupid1

 

This is pretty normal bluster that you get from these companies to start off with. I have never dealt with this lot so don't know how they will proceed. However will they really go to court over a £100 debt? I suspect not but you never know. Personally I would make a fair monthly offer (that you can afford) to pay the £100 plus one months interest and to point blank refuse to pay any more. If worst came to worst you MAY lose in court and have to pay a monthly figure you can afford anyway.

 

.I think you will have to stand up to them as they are taking the you know what!

Good luck

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Hi got home from work and received a letter as below:-

 

We have no alternative but to escalate the matter. If full payment is not made by close of business on the 10th October 2010 the matter will be referred to our doorstep collection agent to recover this debt as they see fit. If we are unable to debit full amount on the date stated above we'll start legal action against you 15th October 2010.

 

Can they send an agent to my home??? I thought only a court could action a bailiff?? Also the amount on the letter states total balance due 333.5 when by email is states 237.50. Can anyone advise please!! Starting to loose my marbles with all this. Thanks

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they will increase the amount as per their agreement, its a joke. door step collector? rubbish, its against the law. they have to take you to court, win, get an order, you've got to break the order and then they can send in a bailiff. bunch of liars, just contact them to come to a fair agreement so you can sleep tight,

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[quote name=

We have no alternative but to escalate the matter. If full payment is not made by close of business on the 10th October 2010 the matter will be referred to our doorstep collection agent to recover this debt as they see fit. If we are unable to debit full amount on the date stated above we'll start legal action against you 15th October 2010.

 

 

oh dear OFT breakages there they cannot tell someone to come over and demand payment I would complain about this to them but contact them (by letter or E mail) offering a payment plan on your terms dont let them bully you into an unfair payment .

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Hi today I have composed the following letter to send to Minicredit, and further comments/advice would be welcome!!

 

Minicredit –

Re your letter dated…….. I have serious concerns re the wording of your letter

Quote

We have no alternative but to escalate the matter. If full payment is not made by close of business on the .......2010 the matter will be referred to our doorstep collection agent to recover this debt as they see fit. If we are unable to debit full amount on the date stated above we'll start legal action against you ....... 2010.

Unquote

To enable you to send a bailiff to my home you should in the first instance take me to court, win, get an order, I then have to break the order and then you can send a bailiff. I will not be bullied into making a payment to yourselves. I feel your charges are unjust, and am offering a repayment plan of £... per month without interest or charges being added until account is cleared OR a full and final settlement of £....... - £..... more than I borrowed. I believe your letter is breaking OFT guidelines by the threat of sending someone to my home and demand payment, so a copy of this email will be sent to them. I am also formally requesting a full breakdown of the charges including full dates that interest was applied and at what interest rate on each date.

I await your urgent response today.

ALSO: The 2 communications I have had from them state different amounts owing, any advice on how to play this one.

THANKS

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They can instruct a debt collection company to try and recover the debt.

 

this company can only knock on your door and request payment, they are not a balliff, but may try scare tactics (not illegal as long as they dont harrass you) they can threaten you with court, removal of good CCJ's attachment of earnings but all of the above must involve a court hearing 1st. most payday co will not risk a court hearing.

 

I dont say the above to sacre you just warn you not to be intimidated.

 

If the company mini credit instruct are independent you may even be able to arrange a repayment plan through them to suit yourselves better.

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Hi there, personally I wouldn't give them so much information in your letter. I would tell them you are offering £150 as a full and final settlement and payment of that sum is available immediately. While they state the charges are as per their terms and conditions of the agreement, this does not automatically make them fair.

 

They won't take you to court as they wouldn't like a judge to be looking at their monstrous charges!

 

Stand firm, offer £150, end of story. If you need help wording the email, please let me know and I'll happily draft one for you.

 

Ell

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My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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www.bellyup4blues.com Just Go There !!!

 

Woolwich Prelim Sent 5.12.2006 !!!

S.A.R - (Subject Access Request) sent 22.12.2006 (yeah I know)

16.1.2007 £1000 offer rejected

LBA sent 31.1.2007

N1 presented to Court 15.2.2007

Won / Settled 2 days before court date

£5200 plus int charges returned.

 

All and Leics S.A.R - (Subject Access Request) sent 22.12.2006

2nd S.A.R - (Subject Access Request) sent 15.1.2007

Statements received

Prelim sent 31.1.2007

LBA Sent 15.2.2007

Won £1500 on receiving court date..

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Received a letter from mincredit headed "Final Notice Before Legal Action"

 

It goes on to state "If we are unable to debit the full amount on the date stated we will start legal action against you on xxth Oct"

 

This letter is not Dated and also has an incorrect Amount Overdue (as agreed by themselves) and also has no signature either

 

Am I right in thinking this letter is not legal or at best been incorrectly issued??.

Also should I have received Default Letter before this letter???

 

 

Many Thanks

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  • 4 weeks later...

Silence!!! Not heard a peep, no emails, no calls, no door step collection... I have given up emailing them at the moment, because they dont reply... I have proof of every email I have sent them. Whats your situ at the moment?

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  • 2 weeks later...

Nothing total silence, emaild them again yesterday requesting they give me a full breakdown of their charges as £100 loan is now £378.00!!! :-x

They just not bothering to reply to any of my emails. I am making token payments when I can but this doesnt seem to be reducing my balance by the look of it. If you are going to pay them off what is it that concerns you?

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I really can’t believe this company is still trading as the way they go about things must be illegal. Where are you at with these sharks Stupid? Had any visit from there imaginary doorstep collectors.

Do you think they will go to court? The issue I have is I have told them I will pay but thinking about it now it’s going to cripple me financially as they are asking for over 3 times what I borrowed however I cant deal with there threats….

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Golden rule i have devised for payday loan companies is

 

Original loan amount PLUS one months rollover fee

 

That is their lot, they may like to claim masses but basically they are on thin ground, should it go to court you can get their Particulars of claim questioned by doing a summary defence and admit only the original loan amount - include all emails to and from them and the case is usually dismissed - or recommended for mediation - in which case you stick to your offer.

 

If possible stick the money you have offered to one side on a monthly basis then if it does go to court you can prove that you could have paid them back the original loan before it gets to court.

 

Their threats are groundless, if they did try to carry them out you can counter sue them for harrassment.

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