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    • Same issues as - also spent ££ to have mechanical failures fixed will have a read
    • Debt charities have urged the Insolvency Service to develop stronger rules to protect customers from bad practice among IVA lead generators View the full article
    • Hi,     I'm in the process of voluntary termination of my moneybarn agreement, in accordance with secion 99(1) of the Consumer Credit Act 1974. I have returned the vehicle, it was collected by a 3rd party on behalf of MB, in driveable condition with fear wear and tear condition.  Their report states that the condition was "Average" (The options were Good, Average and Poor). I have paid more than 50% and recently, before starting the VT process spent £700 to make sure car is roadworthy (gearbox repairs). I am £880 over the 50% mark. Today I've received final billing letter estimating body repairs at over £1,300 (the bodywork is fine - peeling lacquer and alloy wheels would need refurb though). I've purchased the car at 7 years old with over 80k miles, through National Car Credit (pretty sure I've seen another topic on here about them). The car is now more than 10 years old, and I did take pictures + videos of the car before it was collected.   Now. I've had a payment holiday through April and May (which I don't dispute and will willingly cover the amount that they're asking for this payment holiday term) But however I'm not okay with covering the bodywork repairs for a car that is over 10 years old and wasn't excellent condition the day I've purchased it. It came with no service history book and only one key (on my own expense I've purchased another one and had it programmed)   No arrears on the account, no missed payments (just 2 month agreed payment holiday - between myself and MB) which I'm okay to cover. Given the car back in drive-able condition (it was very noisy the week before it was collected, hence why I've spent money on repairs) half of tank of petrol, kept tax up to the day it was collected.   Advice would be appreciated, thank you.   dx: I can't pm you as I haven't got enough posts on here, but if you'd like more details and see what has been sent and see the responses please PM me.     Thanks.
    • I am not a lawyer but I definitely think you are correct.   You will need evidence that Fast Track was not available on your way out - "Unknown reasons" sounds ominous. Do you have pictures/videos/written records to prove it?   Ryanair website states they are not responsible for you missing your flight as a result of fast track, but it doesn't say anything about not being responsible for the product they sold you not being available. Have you tried asking for a refund already?   Either way they sold you something that they did not provide - I don't see how this can be legal - and hopefully you should be able to prove it. Get written evidence that they refused to refund you (if you don't have it already) and take it straight to your card provider. (by many accounts it seems pointless to try and negotiate with Ryanair)
    • Hello everyone, recently I ordered 4 birds, 2 canaries and 2 lovebirds from a pet shop in Nottingham. When I received the birds, one of the canaries looked scruffy and had a bald spot on its back. when I asked the owner if this was normal he stated that “it is a baby and will be normal in a week” so I waited a week and I discovered it was sneezing throughout the night. I then decided to check their weight and the scruffy one was only 15 grams while the other was 26 grams. While weighing them I discovered they were covered in blood mites (small bugs that feed on blood) so I contacted him and he said I could return them but I’m unable to drive an hour to his shop so I offered to pay another delivery fee fr him to pick it up but he was ignoring me so I decided to try to treat them and bought many medicines and I cured their mute problem but now all 4 birds are sneezing, I’ve had many birds before and I’ve never had these problems so I asked him if he couldn’t please come pick them up but he kept reading my messages and ignoring me then when I called him he blocked my number so I messaged him on my other number laws showing te sale of an ill animal is prohibited and sent him proof of his false advertising (saying they were “excellent healthy birds”) proof fm their illness and he blocks me again. I feel scammed and according to the law he I is obligated to refund me for the birds and any medical expenses but I don’t know know where to report him or what to do about it. Any suggestions would  be greatly appreciated. Thank you 
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    • Hi,  
      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
       
      I put a few things in my trolley and then did a shop.
      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
       
      I did and they took me upstairs.
      I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
      I know its unacceptable but I was distracted and Initially hadn’t really planned to use scan and shop.
       
      No excuse.
      I offered to pay for the goods but the manager said it was too late.
      He looked at the CCTV and because I didn’t try to scan the items he was phoning the police.
       
      The cost of the items was about £40.
      I was crying at this point and told them I was a nurse, just coming from work and I could get struck off.
       
      They rang the police anyway and they came and issued me with a community resolution notice, which goes off my record in a year.
      I feel terrible. I have to declare this to my employer and NMC.
       
      They kept me in a room on my own with 4 staff and have banned me from all stores.
      The police said if I didn’t do the community order I would go to court and they would refer me to the PPS.
       
      I’m so stressed,
      can u appeal this or should I just accept it?
       
      Thanks for reading 
      • 16 replies
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Hi Folks,

 

First time posting. We have got into a mess with 5 seperate payday loans. There seems to be no way out. We have got 2 young kids, if we pay even the intrest it will leave us with nothing and no way to pay our rent and council tax. I am planning to contact them all in the morning, but I am unsure as to what I say and how I put a freeze on these. It is getting out of hand, too many sleepless nights and cranky parents because of all the worry.

Any advice and help would be great.

 

Cheers in advance

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Hi Blythe spirit...

Once you take control you will feel so much better....we've all been in similar situations so do know how you feel right now.

First thing you need to do is cancel the card the payday companies have on file....just call the bank and tell them it was lost or stolen. It is advisable also to get another bank account altogether just to completely safe guard your money.

You can either call the pdl companies and tell them that you have a change in circumtance and need to set up a payment plan, or like me, wait until payment is just past due and email them. Be very firm and only offer what you can afford to pay each month. Take a good look around this site, lots of very good information and if you like i can send you a copy of the standard email i used when i first decided to take "action"

Please don't worry and stay in touch to let us know whats happening

 

Shanti

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Hi Shanti,

 

Many thanks for the quick response. Will cancel the card first thing in the morning. Any ideas how I stop them going in for all there money at once.

 

Thanks

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If you are on internet banking you will have to check the account first thing every morning to make sure they haven't set up direct debits. If any of the companies already have DD's set up you need to cancel them asap then watch they don't try to reset them.

 

Do you have another bank account you can get your wages paid into?


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Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

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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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hi, welcome to CAG, sound advice so far, stop worring, it will pass, who are the loans with and we can advise the necessary step for each lender...

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Hi,

 

Good advice here so far...you have to make sure you offer them a reasonable payment plan. You borrowed the money and hence you have to pay it back. But if you cant afford it as agreed then you should contact them asap to arrange a payment plan.

 

The difficulty is that most of these companies in my experience don't want to even talk to you about repayment plans until they have added hundreds of pounds to the amount you pay back.

 

I have been in the same situation and my advice is to stay strong and stick to your guns...

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Is it possible you could pay one or two of the smaller debts off in full and only default on a few.

 

you will have to pay fees and charges on all five loans otherwise, if you could pay even one off it will save you having to pay these. it could save you hundreds in the long run.

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Hi Folks,

 

The companies are, Pounds2Day, Wageday Advance, 247 Moneybox, 1 Month Loan,Payday Uk. I have cancelled the DD for WDA. I have also had my bank cards cancelled, ensured the bank understood that I wanted them cancelled not just replaced. My bank have assured me that no one can enter my bank account using the old card details. They have said that a company can only enter the account now if a DD had been set up. Am I safe to relax or can they still get in.

 

Many Thanks

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If you are on internet banking you will need to check daily (morning) to make sure they haven't tried to set up another DD.


Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

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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I would still take the precaution of having your main income paid into a sattelite account, Halifax, Metro Bank and Co-op all do accounts with online faciilities and no credit checks.

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