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    • I'm still pondering/ trying to find docs re the above issue. Moving on - same saga; different issue I'm trying to understand what I can do: The lender/ mortgagee-in-possession has a claim v me for alleged debt. But the debt has only been incurred due to them failing to sell property in >5y. I'm fighting them on this.   I've been trying to get an order for sale for 2y.  I got it legally added into my counterclaim - but that will only be dealt with at trial.  This is really frustrating. The otherside's lawyers made an application to adjourn trial for a few more months - allegedly wanting to try sort some kind of settlement with me and to use the stay to sell.  At the hearing I asked Judge to expedite the order for sale. I pointed out they need a court-imposed deadline or this adjournment is just another time wasting tactic (with interest still accruing) as they have no buyer.  But the judge said he could legally only deal with the order at trial. The otherside don't want to be forced to sell the property.. Disclosure has presented so many emails which prove they want to keep it. I raised some points with the judge including misconduct of the receiver. The judge suggested I may have a separate claim against the receiver?   On this point - earlier paid-for lawyers said my counterclaim should be directed at the lender for interference with the receiver and the lender should be held responsible for the receiver's actions/ inactions.   I don't clearly understand that, but their legal advice was something to do with the role a receiver has acting as an agent for a borrower which makes it hard for a borrower to make a claim against a receiver ???.  However the judge's comment has got me thinking.  He made it clear the current claim is lender v me - it's not receiver v me.  Yet it is the receiver who is appointed to sell the property. (The receiver is mentioned/ involved in my counterclaim only from the lender collusion/ interference perspective).  So would I be able to make a separate application for an order for sale against the receiver?  Disclosure shows receiver has constantly rejected offers. He gave a contract to one buyer 4y ago. But colluded with the lender's lawyer to withdraw the contract after 2w to instead give it to the ceo of the lender (his own ltd co) (using same lawyer).  Emails show it was their joint strategy for lender/ ceo to keep the property.  The receiver didn't put the ceo under any pressure to exchange quickly.  After 1 month they all colluded again to follow a very destructive path - to gut the property.  My account was apparently switched into a "different fund" to "enable them to do works" (probably something to do with the ceo as he switched his ltd co accountant to in-house).   Interestingly the receiver told lender not to incur significant works costs and to hold interest.  The costs were huge (added to my account) and interest was not held.   The receiver rejected a good offer put forward by me 1.5y ago.  And he rejected a high offer 1y ago - to the dismay of the agent.  Would reasons like this be good enough to make a separate application to the court against the receiver for an order for sale ??  Or due to the main proceedings and/or the weird relationship a borrower has with a receiver I cannot ?
    • so a new powerless B2B debt DCA set up less than a month ago with a 99% success rate... operating on a NWNF basis , but charging £30 to set up your use of them. that's gonna last 5mins.... = SPAMMERS AND SCAMMERS. a DCA is NOT a BAILIFF and have  ZERO legal powers on ANY debt - no matter WHAT its type. dx      
    • Migrants are caught in China's manufacturing battles with the West, as Beijing tries to save its economy.View the full article
    • You could send an SAR to DCbl on the pretext that you are going for a breach of your GDPR . They should then send the purported letter of discontinuance which may show why it ended up in Gloucester and see if you can get your  costs back on the day. It obviously won't be much but  at least perhaps a small recompense for your wasted day. Not exactly wasted since you had a great win  albeit much sweeter if you had beat them in Court. But a win is a win so well done. We will miss you as it has been almost two years since you first started out on this mission. { I would n't be surprised if the wrong Court was down to DCBL}. I see you said "till the next time" but I am guessing you will be avoiding private patrolled car parks for a while.🙂
    • It is extremely disappointing that you haven't told us anything about the result of the hearing. You came here at the very last minute and the regulars - all unpaid volunteers - sweated blood trying to get an acceptable Witness Statement prepared in an extremely short time. The least you could have done is tell us how the hearing went, information invaluable for future users. Evidently not.
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Wagedayadvance


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Anyone had any dealings with this company?

I am currently trying to get myself of the payday loan merry go round and am down to 3 (from 8)

Mostly they have been ok but what I have been doing is just defaulting and trying to reach payment plans and if they say no I just let it go to the d.c.a who so far have all accepted my £10 a month offers.

I also have had no calls at work from other companies what surprises me as I know they have had me number…?

So does anyone know what this company are like?

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Not too bad to deal with directly, depending on who you get and how much you owe. Offering £10 a month is a start but how many companies are involved and how much do you owe... you might be better snowballing the debts, ie paying off the smallest amount in two or three months and leaving the others to a smaller monthly payment and then they will start making you offers!

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I have only offered £10 per month to the ones with the d.c.a's i am/have offerd more to the ones still with the actuall companies.

 

breakdown is-

 

qq-750

ptp-530

m.shop-350

cash genie-156

w.d.a- 430

mr lender-150

lending stream-350

payday express-200

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qq-750 with Mackenzie hall £10 per month

ptp-530 with clarity £10 per month

m.shop-350 with there head office £30 per month

cash genie-156 due to be paid in full this month (im good to pay this)

w.d.a- 430 due to default

mr lender-150 paid in full already

lending stream-350 due this month

payday express-200 defaulted last month not heard anything yet.

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In a carbon copy situation as you and wagedayadvance have asked for an I&E form before accepting my offer of £40pm off the balance of £312.50.

 

I'll let you lnow what they say once I send a very basic response to them.

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Wda are one of the better ones albeit they do like their I/e form. Up to you wether you provide it. They do pass to a dca if you don't reach agreement. A friend of mine refused to provide the form and has heard nothing for over 6 months. The dca just returned it to wda.

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WDA are a stranmge commodity. I had a loan that was rolled over several times until i defaulted around 2008. They passed to a DCA in Liverpool (DRS??) who provided me with an inelligible CCA and i placed the debt in dispute.

This was in May this year and ive heard nothing since. Im surpised WDA have not contacted me or had another DCA chase it up. This is one i have not sorted out yet due to cleating all other debts this year.

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  • 2 weeks later...

If there is any guys out there who have had dealings with these people please advice.

I recently had a loan with these sharks and paid it in full , well the d’d was accidently canx and they took it out on my card the same day (the due day) no problem.

The problem is they also took 3x £12 charges = £36 out as well. Obviously I was thinking what this is for.

So I emailed them to ask to be told they are default charges.

So I replied confused “why 3 charges as only 1 loan and 1 d’d”

I was told they take there payments out in 3 instalments as do many other p.d.l companys.

I have now gone through there complaints process and got a full and final response from them and fired a letter of to the ombudsman yesterday.

The basis of my complaint is the obviously these charges are excessive and mainly there charging structure where they take there payments in 3 instalments is clearly designed for to charge people silly charges if there payments don’t go through.

What baffles me is even making this point to them and telling them I will be taking this to the ombudsmen they still would not refund the charges.

Ha ho do you think the ombudsman will actually do anything, as the ultimate goal would be to get them to be forced to change this system of deducting in 3 instalments as it is clearly daylight robbery.

Anyone got any thoughts on this.

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It’s too late for that now the letter is in the post to the fos.

As i was saying above the ultimate goal would be the fos making them change the way they reclaim there loans as there is no need to take it in 3 transactions. it is just done like that to charge you 3 lots of £12 if it does not go through. Hopefully my complaint will bring this to attention and hit them where it hurts "there pockets".

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I was just thinking about this the other day and would like your thoughts on it.

 

I have been on the payday merry go round for about 2 years now, I am nearly of and can’t wait only 2 to go.

 

Anyway that entire aside when I first started taking payday loans they would transfer the money the same day no charge.

Now the last year or so all of a sudden they have been asking for fees for this service I have even been asked for £25 by one company!

All the p.d.l companies tell me/us “it’s what the bank charge”

If that’s the case you’re telling me if I borrowed £100 when you didn’t charge this fee you would pay the charge and only make £5-10 pounds in total from lending a £100…. I think not.

 

I believe this is some fabricated lie to make more money and it needs to be brought to attention.

 

Anyone have any thoughts on this if I am totally wrong please feel free to shoot me down!!

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26072004

 

Already checked it and just checked it again to be sure there is no mention what so ever of them taking there payments in 3 installments. Thats the main thing thats got my back up.

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They cant charge you extra because they have a policy of taking the payment in three instalments.

 

just looks like another money grabbing exercise.

 

Are they now saying you just owe them £36 for the unpaid DD's??. If so I would send them a chq for £12 (difficult to argue as the DD was not paid) and tell them to take you to court for the £24 - love to see that one go in front of a judge.

 

hopefully the FOS will make them see sense, but how many people do they do this too and they dont fight it and end up paying. The payday loan market is with us for good but some regulation is required and very quickly.

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26072004

 

Too true. The problem with it is they took the charge strait out of my account along with me loan (without informing me). So they already have the money I am sure the fos will make them see sense and I will be launching a attack on the 3 payment structure through the fos. As like you said it is just another money grabbing exercise.

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