Jump to content
  • Tweets

  • Posts

    • Thank you for the reply - I'm half expecting them to either drop the whole thing or to spring the "We had to tell the court that you don't want to pay so we're going to restart proceedings" idea given the language in the consent order that I signed with them. Going to read up and prepare to defend in case they fancy playing that game. It'd be nice if they would actually play by the rules for once...
    • Hi, I'm not sure if I'm asking this in the correct forum.   Ill try to be brief   - last October I contacted a h2b company that said I was eligible for up to £200 off every window and door. I agreed to a company to come and quote.   The quote was given, the windows and doors installed. The initial installation was incomplete however the people installing said for them to be paid for their part I needed to sign both a form that said what was left and that they had done their part. This form was actually an agreement to release the funds from the finance company. I disputed this.   Fensa came to inspect my property finding multiple errors (improper sealing) in addition to those I found (chipped and damaged beading, poor finish and damage to an internal door and blind). The company returned to fix the issues Fensa identified.    I compiled a very hefty report and sent to the window company complaints team with pictures showing the faults. They did apologise and have attempted to remedy some of the issue.   I asked for a price breakdown in December to check exactly what each item cost. This was done as I had agreed to have sills in addition to the windows and i received capping boards instead (i didnt need capping boards).   The price breakdown shows no indication of any saving made as promised by the h2b company. When i highlighted this to the window company they said what they had provided was all they were giving me. I complained again and was given an explanation stating that they gave me a different saving that was larger than would have been offered by the h2b company in the first place. This was not indicated to me at point of sale.   Being that it has been a year I am wondering if I should contact the financial ombudsman about this. I feel as though I have been miss old this product and the company has been dishonest and unhelpful.   Any advice would be great.
    • Hi everyone,    They started sending threats:   Wednesday:    We have been instructed to proceed formally on this claim in 7 days in respect of the balance due to Photo Studio Group unless discharged or an arrangement made. This will result in a formal Letter Before Claim and Court Proceedings.    Thursday :    It's not too late to stop legal action. Settle the £1182.89 due to Photo Studio Group.    Friday 8:23am :   The £1182.89 due to Photo Studio Group is overdue we are now instructed to proceed with a formal Letter Before Claim.    Friday 6:28pm:   We are now considering whether to issue Court proceedings to recover £1182.89 owed to Photo Studio Group.        
    • Hi Guys, I would appreciate any advice you can give.   In mid September this year we went to a Caravan company to look at potential caravan purchases, we found one caravan that we liked it was a 2018 model,   however when talking to the salesman we expressed concern that the settee and the bed mattress seemed to be of very poor quality and lacked any real support. The settee and mattress also seemed older than the year of manufacture would suggest. The salesman assured us that the fittings were manufacture fitted and that was, 'Just how they are'. He agreed to look into the matter for us.   As a result we paid a £1,000 deposit on our debit card, the salesman asked us to sign a contract for sale regarding the caravan informing us it was 'a receipt for the money we paid'.   We were due to collect the caravan this week, however, during the period from signing the contract we felt that we were being mislead about the furnishings previously mentioned so we carried out some research.   I sent the photographs to the manufacturer and asked them if they were the original fittings supplied by them, they responded that the settee and mattresses shown in the photographs (Taken from the online sales pictures from the sellers website) were never fitted to that caravan and had never been supplied by the manufacturer. I also downloaded the brochure from the manufacturer that showed the settee and bed mattresses that were fitted to the year and model of the caravan we had paid a deposit on, were nothing like the ones currently fitted.   somebody has taken out the superior Settee and bed mattresses and replaced them with cheaper inferior quality ones which seriously devalued the caravan, notwithstanding reducing the comfort and quality of the caravan. He insisted that the photographs (taken from their website) were the correct fittings for that caravan.   On Sunday 20th October, I sent the caravan sales company a letter stating that we were rejecting the caravan and that we had been mislead as to the quality and provenance of the fittings, that we no longer had any trust in the sales company and under the Consumer Rights Act requesting the return of our deposit.   We received a response the next day that stated, they accept the cancelling of the contract however, they are retaining our deposit against the purchase of another caravan from them.   I think it is a given, that we would never darken their doorstep again let alone purchase anything from them. I would add that all our concerns and the company's responses have been via email, so we have an audit trail of what has gone on.   I have considered chargeback, as we paid on a Visa debit card (I know should have used a credit card) and I am aware that we have 120 days to try and implement this.   I'm looking for advice as to what to write to the company to start with, i.e. Letter of complaint (They have no complaints policy or procedure in their T&C, they are also not signed up to the Dispute Resolution Ombudsman Scheme) or a, Letter before Claim, or do I involve Trading Standards.   Any advice from the wise members of this group would be greatly appreciated.   
  • Our picks

    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies
    • Oven repair. https://www.consumeractiongroup.co.uk/topic/427690-oven-repair/&do=findComment&comment=5073391
      • 49 replies
    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
        • Thanks
      • 3 replies
    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
        • Thanks
        • Like

Please note that this topic has not had any new posts for the last 3445 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

My circumstances have changed and i can not afford to pay these and continue rolling them over. I really need quite a lot of help and advice please, any will be greatly appreciated.

 

I owe lending stream £415, but seem to be paying them back about £600 a month.

I owe quick quid about £400, but pay back £250-£300 a month in interest and fees.

I owe cash genie £100, and pay back £30 a month, every month.

 

My main worries are them contacting my work, even if i have already contacted them first. Is there a standard notice that i can send them that means they cannot contact my work place?

I have cancelled my card, reported lost, and ordered a new one. Can they still access my account through this new one, do i need to close the account and try to open another with another bank?

How, and when do i contact them. Are there any letter/emails that i can use and send them.

How much do i offer them, as my hours have been cut and my outgoings have increased massively. And how much information do i have to give them re my ins and outs? I have already paid back more than i borrowed, and i am willing to pay back the capital that i still owe, but i simply cant afford to pay back £1000 a month. I can afford say £50 a month for each starting this month. Is that good enought do you think.

Also who and where do i contact these people.

 

Thanking you all in advance.

Link to post
Share on other sites

Hi there Dave

Don't worry - first thing to do is close your bank account and open a new basic one (Halifax does a good basic account). They can still possibly access your bank account even if you have reported your card missing. Ring or email them just before your default date and tell them you can't afford to keep rolling over your loans and you would like to set up a payment plan. I know that both QQ and L.S. will huff and puff and won't come to an agreement at first but keep emailing them your offer. You could pay off Cash Genie in one go as QQ and LS will leave things for a month or two.

Lending stream email address: customersupport@lendingstream.net

Quick Quid email address: support@quickquid.co.uk

 

Send them an email something along the lines of (change wording to suit - you don't have to give them your mobile or landline numbers but at least it will stop them calling you at work - I haven't had any calls at work, just a couple to my mobile and one to my landline).

 

I cannot now afford to agreed monthly payments. I am willing to pay the original loan of £xxxx plus one month's interest.

In view of my circumstances, please would you agree to temporarily accept a reduced offer of £xx per month for xxx months. If charges are being added to the account I would be grateful if you would freeze these so that all payments made will reduce what I owe you.

I would be grateful if you would either send a paying−in book or send me your bank details in order for me to set up a standing order to make it easier to pay you.

If you need to contact me then I would prefer it in writing via email at this address. However, if you urgently need to contact me then I am available before 8.30 a.m. Monday - Friday and again after 5.30 p.m. on my mobile: xxxxxxxxxxxxxxx. I would ask you not to call me on my work number as I will not be able to take personal calls.

Thank you for your assistance. I look forward to hearing from you as soon as possible.

If they do call you at work then there is a harrasment letter you can send. In the meantime, concentrate on closing your bank account and opening a new one. Good Luck and keep posting here, there is a lot of helpful knowledgeable guys here all very willing to help x

 

 

 

Link to post
Share on other sites

Thank you so much Glo, cant thank you enough.

There is only 1 problem, im already with Halifax as they are the only ones who would give me an account. I believe that all high street banks have to give you a guaranteed basic bank account, but i ma not sure if this is correct? If i cant open another what options do i have?

Plus do you have that anti-harrasment letter please, just in case i need it.

The loans are due on 28/02, should i email them on the 24th?

Thanks again

Link to post
Share on other sites

Best to put something in writing and keep a copy.

They are required to consider your financial position in terms of your ability to repay.

They should not be able to take payment from a new debit card unless you have authorised it.

I think that you should start 3 different threads here so we can help you to deal with each one.

Once you have done this send a report to site team if no help is coming.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

Link to post
Share on other sites

Hi again

 

See below for wording of harrasment letter. You won't need it though if you tell them you only want to deal with them via email or mobile number, but just in case here it is:

 

Dear PAYDAY

 

I am writing in relation to the quantity and frequency of telephone calls that I have received from your company, which I deem to be personally harassing.

I have verbally requested that these stop, but I am still receiving calls.

 

I now require all further correspondence from your company to be made in writing only.

 

I am of the view that your continued harassment of me by telephone puts you in breach of The Consumer Protection from Unfair Trading Regulations 2008, and the Protection from Harassment Act 1997.

 

If you continue to harass me by telephone, you will also be in breach of the Communications Act (2003) s.127 and I will report you to OFCOM, Trading Standards and The Office of Fair Trading, meaning that you will be liable to a substantial fine.

 

Please treat this also as a formal complaint under the procedures set out by the Financial Ombudsman (FOS). As such, you are required to send me a copy of your company complaints procedure.

 

Furthermore, please note that the FOS consider it unfair for you to continue with phone calls when requested not to do so.

 

Yours faithfully,

SIGN YOUR NAME DIGITALLY

Link to post
Share on other sites
Best to put something in writing and keep a copy.

They are required to consider your financial position in terms of your ability to repay.

They should not be able to take payment from a new debit card unless you have authorised it.

I think that you should start 3 different threads here so we can help you to deal with each one.

Once you have done this send a report to site team if no help is coming.

 

 

Thanks for the advice mate. When you say in writing, will an email do or do i need to post it to them recorded delivery?

Do you mean start a thread for each company? If thats the case i will only nned 2, as i will pay cash genie in full at month end as re Glos advice.

Dont know how to change this thread into 2 though?

Link to post
Share on other sites

Yes writing is best kept to surface mail sent by RD.

So do you have any idea what you can offer realistically ?

You should inform them that your ability to pay has changed in light of new circumstances.

Ask them to forward you a copy of their complaints procedure as is your entitlement.

Telephone contact requests to stop can be made,but you need to make it clear that you are not avoiding contact,but that you want everything kept in writing.

If they persist after that,they are also in breach of the Lending Code as well as CPUT.

I will give you the addresses to send to give me few minutes.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

Link to post
Share on other sites

The Post Office does a good basic account. In my case I closed down my account and moved my salary into my OH's account as I was aware that they might try and set up Direct Debits or take money at silly times (like in middle of night!) from your account. Apparently they have been known to do this but I have not experienced it - obviously, as I changed my account :-)

However, QQ are still trying to get my new bank details from me! NO CHANCE!

Link to post
Share on other sites

For Lending stream;

 

Lending Stream

Wisteria-Cavendish House, 369, Burnt Oak Broadway, Edgware, Middlesex, HA8 5AW

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

Link to post
Share on other sites

Ok seems its taken quite a bit of detective work by site team.

Quick Quid trade under a parent company called Cash Euro Net UK

However their consumer credit licence gives addresses in the US,aside from one office in the UK for correspondence of documents.

Seems this is one of those third party addresses who intercept mail and forward it.

I am a little concerned by the clarity and transparicy of Quick Quid website-who have no mention of this nor any registered address.

Anyway here is the address you need to send communications in relation to them;

 

Cash Euro Net UK T/A Quick Quid

Abogado Nominess Ltd, 100, New Bridge Street, London, EC4V 6JA

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

Link to post
Share on other sites

ABOGADO PTE LTD (“Abogado”) was incorporated on 6 September 1994 and has been providing corporate secretarial services to its clients comprising local companies as well as multi-national companies, both private and public, with offices in Singapore and various other jurisdictions.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

Link to post
Share on other sites

Dave - how's it going? Just to let you know that I managed to get another of my PDL's to come to a payment agreement. I just kept emailing them with my "fair and reasonable" offer. It was Quick Quid - on of yours. So don't be initmidated. Please come on here if you need any help. Good Luck x

Link to post
Share on other sites
  • 2 weeks later...

Can I just jump in and say that I have finally managed to get rid of all 5,yes 5 payday loans so it can be done!I found the best way to deal with quick quid was to use the live chat service on the website,i only ever got them to agree to a 3 month payment plan however,I also have an email address for someone at wonga.com who seems to actually talk sense if anyone needs it.good luck everyone,this website is the only way I managed to get out of the horrific cycle,it can be done!!!x

Link to post
Share on other sites
Nice one! Well done aboo, bet it feels brilliant!!

 

Just as a matter of interest did any of them enter a default on your credit file?[/quote

 

It's does feel great and let's just say Iv realised how if you can juggle multiple payday loans you can organise your finances once the loans are gone,I feel like an idiot for ever thinking I needed them but we all know how easy it is.I can't help you on the credit file issue as I don't keep a check on it,I just assume my credit is in pieces and while I was in the thick of the pdl cycle the prospect of confirming it was too depressing!!

I know quick quid didn't as I never defaulted with them,I entered into a pre-default payment plan but it did take some doing and lots of threats to report them as they want you to default to prove you don't have the money to pay in the first place.they always buckle in the end though,I did find them the best of a bad bunch.the only ones who would never agree to any kind of payment plan was payday express who I know are reasonable with many people so I honestly think it's just luck in terms of how you are dealt with.any questions though please do feel free to pm,I dot claim to be an expert but I do sadly have 2 years experience of dealing with this situation,and had I found this site 2years ago it would never have escalated like it did as within months of finding it,I was sorted.the people on here are amazing and everyone keeps you going!!

Link to post
Share on other sites
  • 3 months later...

Im sorry to post my cry for help on this thread, but every time i try to start a new thread it logs me out??? I really need some advice re car repossession asap please.

 

 

 

 

 

I have paid approx £5300 off the agreement, and still owe about £6200. I have fell into arrears due to massive changes in circumstances and need some advice re my legal rights. The agreement is with manchester car finance. Thats what they are called now, the agreement i have signed is with CLS finance ltd.

  • Do they need a court order to reposses my car? And even if they dont get one and still take the car is there really anything i can do about it?
  • Can they take my car off my private drive, with or without a court order?
  • I can afford a reduced paymnet per month, but do they have to accept it?
  • How long does it take for them to obtain a court order, and what is the legal process, ie, default notice then.................. etc
  • If i went to court when they apply for the order and plead my case is there any chance the court will alllow me reduced payments?
  • Every time i am even an hour late with the payment they call and say lets just agree to return the car. If i dont give my permission to this can they still take it?

I am about £1000 in arrears, and am currently pay £250 a month, with £30 a month being for the arrears. I can afford £100 a month, but really need the car for my 2 disabled children to get to thier schools etc.

 

 

Any help will be really appreciated.

Link to post
Share on other sites

Hi Dave

 

I'm sure one of the guys who know their stuff will be along soon. Don't worry though, I'm sure someone will know what to do. Keep posting and best of luck x

 

btw - did you explain to them about your children?

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...