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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?   Anyway after the time or not I did fire off and appeal and have the recipt 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 the BW tossers.   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! Anyhow I do have some 4 months of payment history within the app.     appeal1.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 needed to put a stop to this mess with Payday Loans. **


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Hi all,

 

I have finally decided that the re-loaning situation is no longer helping me, and regardless of the consequences that will follow, I am going to put a stop to it. It is not fair on my family or girlfriend anymore. Although they aren't aware, they can tell i'm going through problems with money and it needs to come to an end.

 

I have 6 loans out, totalling up to £3000.00. Concidering I get paid around £1000 a month, this is now a major problem. The loans are as follows -

 

Wonga £1500 (biggest issue - they must have made over £2000 in interest alone from me)

PaydayExpress £500 (big issue)

MiniCredit £400 (big issue too)

 

247 Moneybox £150 - will clear on next payday

1 Month Loan £156 - will clear on next payday

WageDay Advance £137.50 - will pay interest alone this payday, then pay the full amount next payday

 

This ultimately means I will have to default on the Wonga & Payday Express Loans. What are the next steps I should take?

 

Obviously, due to me paying some loans off and have other things to pay this time around, I won't be able to make any token payments (unless they are around £50.00 each company) so I am afraid of them adding unlimited charges to the current debts.

 

Any advice would be welcome - I just want to pay these off in a way that is comfortable for me. If anyone has any other 'tactics' i could look into to, please let me know!

 

Looking forward to your replies

 

Thanks

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You can only pay them what you can afford...what surprises me is that these companies have obviously continued to loan this money to you despite you seemingly being over committed. I'd say it is to a certain extent irresponsible lending on their part. These companies are supposed to look at your standing and give out loans based on your earnings and other commitments. If you are struggling then give the National Debtline a call - it is free, confidential and impartial - http://www.nationaldebtline.co.uk/

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have a good read through these forums. First step is to protect your income and cancel your debit card. To be totally safe you will need a new bank account as these companies will continue to attempt to take payment. You can then negotiate- you can do this alongside 42mans advice.

 

Many of us have been in your position and most of these companies will accept less than what you consider to be a token payment.

 

Post again if you need more help.

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If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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I have dealt with WONGA and Payday Express.

 

The sooner you default the better

 

Wonga - email them now (collections@wonga.com or customercare@wonga.com) and tell them you can no longer afford to repay this debt and setup a repayment plan for say 50 per month .. you can always email them later balanceoffer@wonga.com for a reduced settlement offer. Try offering them the initial loan plus 1 months interest.

 

Payday Express - will setp repayment plan if you send I&E .. I did this but was later sent to Castlebridge Credit Management (think they are internally linked to Payday Express as the letters come in the same envelopes !!) .. managed to setup a repayment plan at a reduced rate paying £100 less back !!

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