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    • The defendant in this case is Parcel2Go.com Limited The claimant sent a parcel using Parcel2Go Ltd as a broker and Evri as the shipper via the Defendant's service containing which contained two handmade bespoke wedding trays to a customer with  under  tracking number P2Gxxxxxxxx. The parcel was never delivered although the defendant stated that three attempts had been made to deliver the parcel.  The claimants customer waited in for four days to receive the delivery but no delivery was attempted. There was no communication with the claimants customer.  Despite many web chats and emails the parcel was not delivered and on the Parcel2Go website it stated that the customer had refused delivery. This was not true as no delivery had been attempted.  I was The Defendant informed me that the parcel was being returned to me but after waiting three weeks I was informed by the courier that the parcel was lost. I was offered compensation of £20 + shipping fee which I refused and after sending Parcel2Go a Letter of claim this was increased to £75 which I also refused. The Claimant did not purchase the Defendant's insurance policy as requiring people to pay extra for rights already guaranteed under the consumer rights act 2015 is contrary to section 57 and 72 and therefore unenforceable. The Claimant rejected the Defendant's standard compensation offer. It is clear that the defendant is responsible for the loss of the parcel as they did not act with reasonable care and skill when handling the claimants parcel, contrary to section 49 of the Consumer Rights Act 2015.   By failing to ensure the safe delivery of the Claimant's parcel the Defendant breached section 49 of the CRA 2015.   AND THE CLAIMANT CLAIMS £370.00 being the value of the lost goods £xx.xx being the price of shipping and interest pursuant to s69 cca 1984.   See what BF thinks but I think something like this is better. Remember you are suing P2G not evri.
    • I disagree with the charge and also the statements sent. Firstly I have not received any correspondence from DVLA especially a statutory notice dated 2/5/2024 or a notice 16/5/2024 voiding my licence if I had I would have responded within this timeframe. The only letter received was the single justice procedure notice dated the 29.5.2024 this was received on 4.6.2024. I also disagree with the statement that tax was dishonoured through invalid indemnity claim. I disagree that the licence be voided I purchased the vehicle in Jan 2024 from RDA car sales Pontefract with agreement to collect the car on the 28.1.2024. The garage taxed the vehicle on the 25.1.24 for eleven payments on direct debit  using my debit card on my behalf. £62.18 was the initial payment on 8.2.24  and £31 per month thereafter the second payment was 1.3.24.This would run from Jan 24 to Dec 24 and a total of £372.75, therefore the car was clearly taxed before  I took the car away After checking one of my vehicle apps  I could see the vehicle was showing as untaxed it later transpired that DVLA had cancelled my tax , without reason and I did not receive any correspondence from DVLA to state why it was cancelled or when. The original payment of £62.18 had gone through and verified by my bank Lloyds so this payment was not declined. I then set up the direct debit again straight away at my local post office branch on 15.2.2024 the first payment was £31 on 1.3.2024 and subsequent payments up to Feb 2025 with a total of £372.75 which was the same total as the original DD that was set up in Jan, Therefore I claimed the £62.18 back from my bank as an indemnity claim as this payment was from the original cancelled tax from DVLA and had been cancelled . I have checked my bank account at Lloyds and every payment since Jan 24  up to date has been taken with none rejected as follows: 8.2.24 - £62.15 1.3.24 - £31.09 2.4.24 - £31.06 1.5.24 - £31.06 3.6.23-£31.06 I have paper copies of the original DD set up conformation plus a breakdown of payments per month , and a paper copy of the second DD setup with breakdown of payments plus a receipt from the post office.I can also provide bank statements showing each payment to DVLA I also ask that my licence be reinstated due to the above  
    • You know hes had it when they call out those willing to say anything even claiming tories have reduced taxes on live tv AS Salmonella says: The Conservative Party must embrace Nigel Farage to “unite the right”, Suella Braverman has urged, following a disastrous few days for Rishi Sunak. The former home secretary told The Times there was “not much difference” between the new Reform UK leader’s policies and those of the Tories, as senior Conservatives start debating the future of the party. hers.   AND Goves replacement gets caught booking in an airbnb to claim he lives locally .. as of yesterday you can rent it yourself in late July - as he'll either be gone or claiming taxpayer funded expenses for a house Alongside pictures of himself entering a house, Mr McGuinness said Surrey Heath residents “rightly expect their MP to be a part of their community”. - So whens farage getting around to renting (and subletting) a clacton beach hut?   Gove’s replacement caught out on constituency house claim as home found on Airbnb WWW.INDEPENDENT.CO.UK Social media users quickly pointed out house Ed McGuinness had posted photos in was available to rent     As Douglas Ross says he'll stand down in scotland - if he wins a Westminster seat - such devotion.
    • I've completed a draft copy to defend and will post up here for review.  Looking over the dates and payments this all stemmed from DVLA cancelling in Feb , whereby I set up a new DD in Feb hence the overlap, why they cancelled when I paid originally in Jan I have no idea. Anyway now stuck with pending court action and a suspended licence . I am also firing off a letter to DVLa recorded disputing the licence revoke
    • Thank you both for your expert knowledge and understanding. You're fighting the good fight by standing up for people like me and others with limited knowledge of this stuff. I thank you. I know all my DVLA details are good. I recently (last year) renewed my license, and my car's V5 is current with the correct details; the same is valid for my partner. I'll continue to ignore the love letters 😂 and won't let it bother either me or my partner.  I'll revisit this post if/when I get a letter of claim.  F**k ém.
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Wonga - I need to default :-(


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Hello

 

I currently have a loan through Wonga which was for £400, I have paid the part payment to extend the loan this month (£135) but next month they are going to take over £600 from my account and as I only get paid £673, I just cant afford it. When I took the loan I honestly thought I would be able to pay it back in bits but I just cant. Will they put a bad note on my credit file?

 

Anyway, my payment now isnt due until 30th April so I am thinking I probably need to open a new bank account or, can I just cancel my card and ask the bank to stop any payments to them? I really want to stay with Natwest and opening another account with them would be ok (but a pain to change wages, tax credits etc!).

 

Also, should I email Wonga now and say I am going to struggle or nearer the end of April?

 

Thanks in advance for any advice!

 

C :-)

[FONT=Comic Sans MS][SIZE=4][COLOR=magenta]C [COLOR=black]& [/COLOR][COLOR=blue]D :) [/COLOR][/COLOR][/SIZE][/FONT] [COLOR=black][FONT=Comic Sans MS][COLOR=mediumturquoise][B]HSBC[/B][COLOR=#000000]- Full settlement received & spent! £1,477.93 :-) [/COLOR][/COLOR][/FONT] [COLOR=mediumturquoise][FONT=Comic Sans MS][COLOR=mediumturquoise][B]HSBC claim 2![/B][/COLOR][COLOR=#000000] - Full settlement offer received 27/06 - £1,116 :) [/COLOR][/FONT] [FONT=Comic Sans MS][FONT=Comic Sans MS][COLOR=mediumturquoise][B]A&L[/B][/COLOR][COLOR=#000000] (for my Nan) - full settlement received on day of prelim hearing - approx £1500 :-)[/COLOR][/FONT] [FONT=Comic Sans MS][COLOR=mediumturquoise][B]Halifax[/B][/COLOR][COLOR=#000000] - (for a friend) - full settlement received 30/06 - £2576! :) [/COLOR][/FONT] [FONT=Comic Sans MS][COLOR=mediumturquoise][B]Barclays[/B][/COLOR][COLOR=#000000] - (for a friend) - Court forms were due to be submitted but he wants to wait for results of the court case with OFT[/COLOR][/FONT] [/FONT][/COLOR][/COLOR][FONT=Comic Sans MS][COLOR=#000000][B][COLOR=mediumturquoise]A&L[/COLOR][/B] - (for a friend) - court forms submitted - claim 'stayed' due to OFT case[/COLOR][/FONT]

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Hello

 

I currently have a loan through Wonga which was for £400, I have paid the part payment to extend the loan this month (£135) but next month they are going to take over £600 from my account and as I only get paid £673, I just cant afford it. When I took the loan I honestly thought I would be able to pay it back in bits but I just cant. Will they put a bad note on my credit file?

 

Anyway, my payment now isnt due until 30th April so I am thinking I probably need to open a new bank account or, can I just cancel my card and ask the bank to stop any payments to them? I really want to stay with Natwest and opening another account with them would be ok (but a pain to change wages, tax credits etc!).

 

Also, should I email Wonga now and say I am going to struggle or nearer the end of April?

 

Thanks in advance for any advice!

 

C :-)

 

Yes contact wonga now, now tell them your circumstances have changed...

Send the same email to these 3 addresses [email protected] and [email protected] and j[email protected].

 

with your proposed plan - id say for you 12mths/ 6 if you can afford.

You should get a speedy response.

 

In terms of your bank account..... im afraid yo will need new account.

 

You could go to the bank, and state you left your bank statement nd bank card in a public place and feel your account has been compromised. and ask thm to cancel the account and card, and issue you new card new account number. i would ensure they will not allow thru any transactions from the old card.

if they cant guarentee this, then new accoutn, new bank..

 

believe me and many others... wonga will try to raid yor account,

they have done it before and will do it again.

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Hiya....

 

Ive had dealings with Wonga in the past.... I know it seems like a nice easy option, but honestly Payday Loans are like daylight robbery!!!! Just before Christmas I was stuck in the cycle, had about 4 different Payday Loans and couldn't afford to get rid of them!!

 

As far as I know, Wonga will not let you set up a Payment Plan of any sort, until you go into Default, it is only then they will negotiate with you (don't know if things have changed in the last few months)

 

Also, just to give you a heads up, Wonga can debt the WHOLE amount from your Bank Account whenever the please, so make sure you move all your Wages Etc out of your Account, I made this mistake once to find out they had taken over £600 in one go, even though I had told them I was having trouble making payments....

 

Hope this helps, Let us know how you get on :)

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Hiya....

 

Ive had dealings with Wonga in the past.... I know it seems like a nice easy option, but honestly Payday Loans are like daylight robbery!!!! Just before Christmas I was stuck in the cycle, had about 4 different Payday Loans and couldn't afford to get rid of them!!

 

As far as I know, Wonga will not let you set up a Payment Plan of any sort, until you go into Default, it is only then they will negotiate with you (don't know if things have changed in the last few months)

 

Also, just to give you a heads up, Wonga can debt the WHOLE amount from your Bank Account whenever the please, so make sure you move all your Wages Etc out of your Account, I made this mistake once to find out they had taken over £600 in one go, even though I had told them I was having trouble making payments....

 

Hope this helps, Let us know how you get on :)

 

If you ring them directly, they will advise you ned to default. But if you send an email to these addrresses they are more helpful.

With me after sending the email, i recieved an email back asking me to call and discuss. when i called they advised i needed to default when i mentiond i had recieved an email to call after emailling the above 3 addresses they became very helpful. if i had waited til i defaulted i wouldve owed them en extra £150

 

 

EMAIL NOW

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Thanks everyone. I will go to Natwest on Friday and open a new account with them asking them to close the other completely so that no payments can go through on it, I will then have to contact payroll, tax credits and child allowance people (& dd's!) to change the account details - I assume this will be enough as although it will be the same bank, it will be new account number, sort code and card details.

 

I dont want to default as my credit rating was just starting to improve but I just dont have any other choice - one thing is for sure - I will NEVER get a payday loan again, not even for £100!

 

Thanks again

 

C

[FONT=Comic Sans MS][SIZE=4][COLOR=magenta]C [COLOR=black]& [/COLOR][COLOR=blue]D :) [/COLOR][/COLOR][/SIZE][/FONT] [COLOR=black][FONT=Comic Sans MS][COLOR=mediumturquoise][B]HSBC[/B][COLOR=#000000]- Full settlement received & spent! £1,477.93 :-) [/COLOR][/COLOR][/FONT] [COLOR=mediumturquoise][FONT=Comic Sans MS][COLOR=mediumturquoise][B]HSBC claim 2![/B][/COLOR][COLOR=#000000] - Full settlement offer received 27/06 - £1,116 :) [/COLOR][/FONT] [FONT=Comic Sans MS][FONT=Comic Sans MS][COLOR=mediumturquoise][B]A&L[/B][/COLOR][COLOR=#000000] (for my Nan) - full settlement received on day of prelim hearing - approx £1500 :-)[/COLOR][/FONT] [FONT=Comic Sans MS][COLOR=mediumturquoise][B]Halifax[/B][/COLOR][COLOR=#000000] - (for a friend) - full settlement received 30/06 - £2576! :) [/COLOR][/FONT] [FONT=Comic Sans MS][COLOR=mediumturquoise][B]Barclays[/B][/COLOR][COLOR=#000000] - (for a friend) - Court forms were due to be submitted but he wants to wait for results of the court case with OFT[/COLOR][/FONT] [/FONT][/COLOR][/COLOR][FONT=Comic Sans MS][COLOR=#000000][B][COLOR=mediumturquoise]A&L[/COLOR][/B] - (for a friend) - court forms submitted - claim 'stayed' due to OFT case[/COLOR][/FONT]

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Hi there. Iv just come to the brink of collapse with these payday loans extending 9 every month leaving me absolutely skint. After finding this site about a month ago iv made so much progress in getting out of it and setting up repayment plans exept 1 loan they just don't wana know (capital finance 1). But I can confirm for u I I tackled Wonga first and they have been the most helpful just use the 3 email adresses above and u will get wat u want. I offered £94.94 over 12 months on a £1139.28 loan and had a response in 50mins saying yes and and outline of my plan. Email them and u will feel alot better. Good luck

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You shouldn't need to close your bank account. Go to the bank, explain the situation and have them block any payments. If they can't / won't do it, then change your account. Be aware that you would need to close the existing account if they won't block the payment otherwise the bank may charge you for the bouncing payments.

 

With regards to paying Wonga, work out exactly what you can afford to pay them each month. (My advice would to be pay as much as possible as you want to clear the debt quickly). Send them the proposal and wait.

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You could go for an online Halifax Easycash account and get that done quickly, changing your card won't stop them as they have your account details and their 'systems' are set to check your bank account daily once you do default. An alternative account is the only safe way to take back control of the situation.

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You don't need to change bank account. Just ring the bank and say your jacket with debit card was stolen. i just said I think I left mine on a bus but wasn't sure if it was actually stolen.

 

They send you a new card with new a new number and expiry dates.

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Hello

I went to Natwest yesterday and opened a new account. Once I have changed all my payments / direct debits over, I am going to ask the bank to close the other account. The card details and account details Wonga have will therefore be incorrect and I assume they wont be able to obtain the new ones without me giving them to them (which i wont!). If Natwest close the account, I would also assume that no payments will get through. I already have a Halifax easycash account but I hate it as it doesnt show debits on the account quick enough. Also, Natwest let me upgrade my account to a 'big girls' debit card and I was accepted for a credit card elsewhere so I am gutted that Wonga are about to make me look bad again when things were just looking up :-(

C

[FONT=Comic Sans MS][SIZE=4][COLOR=magenta]C [COLOR=black]& [/COLOR][COLOR=blue]D :) [/COLOR][/COLOR][/SIZE][/FONT] [COLOR=black][FONT=Comic Sans MS][COLOR=mediumturquoise][B]HSBC[/B][COLOR=#000000]- Full settlement received & spent! £1,477.93 :-) [/COLOR][/COLOR][/FONT] [COLOR=mediumturquoise][FONT=Comic Sans MS][COLOR=mediumturquoise][B]HSBC claim 2![/B][/COLOR][COLOR=#000000] - Full settlement offer received 27/06 - £1,116 :) [/COLOR][/FONT] [FONT=Comic Sans MS][FONT=Comic Sans MS][COLOR=mediumturquoise][B]A&L[/B][/COLOR][COLOR=#000000] (for my Nan) - full settlement received on day of prelim hearing - approx £1500 :-)[/COLOR][/FONT] [FONT=Comic Sans MS][COLOR=mediumturquoise][B]Halifax[/B][/COLOR][COLOR=#000000] - (for a friend) - full settlement received 30/06 - £2576! :) [/COLOR][/FONT] [FONT=Comic Sans MS][COLOR=mediumturquoise][B]Barclays[/B][/COLOR][COLOR=#000000] - (for a friend) - Court forms were due to be submitted but he wants to wait for results of the court case with OFT[/COLOR][/FONT] [/FONT][/COLOR][/COLOR][FONT=Comic Sans MS][COLOR=#000000][B][COLOR=mediumturquoise]A&L[/COLOR][/B] - (for a friend) - court forms submitted - claim 'stayed' due to OFT case[/COLOR][/FONT]

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hey well from my experience WONGA dont respond as quickly as others have said i also kept emailing them but they only do payment plans within 12 months i think i owe 1400 the now but few months ago they said if i make payment plan they will reduce it to 850 spread over 6 months which is good only if you have availabe funds which i dont have .

 

also they will not send a dca for loan as they do it themselves verified by wonga staff themsels in jan 2011 before hand they did send it to few dcas also i am abt 120days overdue still no sign of default notice or even showing on my creditfile as i have checked best thing todo is change bank/account cancel card so they cant swipe your wages also they not take you to court due to their unlawful interest & fees but beware dont trust all cag member as few arecreditors/ dca themselves .

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  • 1 month later...

Hello

Wonga have responded to my email saying I cant afford to pay with the below. I thought I read somewhere though that I dont have to give them an income and expendicure form - is this correct? What should I do now please?

 

Thank you for getting in touch with us. Now we aware that you are experiencing some level of financial hardship, we will freeze interest and charges on your account for a period of 31 days. We will also stop sending any collections related correspondence during this time.

 

We now need you to complete and return the attached financial statement and provide us with your reason for your current financial hardship, along with any evidence to support that fact, within the same 31-day period.

 

It is important that we receive the completed form quickly, so we can assess your situation and decide the best solution for both of us. On receipt of this information, we will review its contents and respond to you accordingly.

 

C

[FONT=Comic Sans MS][SIZE=4][COLOR=magenta]C [COLOR=black]& [/COLOR][COLOR=blue]D :) [/COLOR][/COLOR][/SIZE][/FONT] [COLOR=black][FONT=Comic Sans MS][COLOR=mediumturquoise][B]HSBC[/B][COLOR=#000000]- Full settlement received & spent! £1,477.93 :-) [/COLOR][/COLOR][/FONT] [COLOR=mediumturquoise][FONT=Comic Sans MS][COLOR=mediumturquoise][B]HSBC claim 2![/B][/COLOR][COLOR=#000000] - Full settlement offer received 27/06 - £1,116 :) [/COLOR][/FONT] [FONT=Comic Sans MS][FONT=Comic Sans MS][COLOR=mediumturquoise][B]A&L[/B][/COLOR][COLOR=#000000] (for my Nan) - full settlement received on day of prelim hearing - approx £1500 :-)[/COLOR][/FONT] [FONT=Comic Sans MS][COLOR=mediumturquoise][B]Halifax[/B][/COLOR][COLOR=#000000] - (for a friend) - full settlement received 30/06 - £2576! :) [/COLOR][/FONT] [FONT=Comic Sans MS][COLOR=mediumturquoise][B]Barclays[/B][/COLOR][COLOR=#000000] - (for a friend) - Court forms were due to be submitted but he wants to wait for results of the court case with OFT[/COLOR][/FONT] [/FONT][/COLOR][/COLOR][FONT=Comic Sans MS][COLOR=#000000][B][COLOR=mediumturquoise]A&L[/COLOR][/B] - (for a friend) - court forms submitted - claim 'stayed' due to OFT case[/COLOR][/FONT]

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That is correct, email them back and say your income/expenditure is too variable to give an accurate picture and you are reporting them to Trading Standards. Their I&E form should NOT ask for any partners income details, only yours and they are not entitled to have one at this stage.

 

Trading Standards and the OFT are contactable via the Consumer Direct website.

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update about wonga and creditfile - checked my callcredit report last night and have noticed wonga has recorded account on my file but they seem to have not issued a default it just marked as missed payments so i wonder when they will issue a default for me that least been since november last year for abt 1300 they want from me.

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update about wonga and creditfile - checked my callcredit report last night and have noticed wonga has recorded account on my file but they seem to have not issued a default it just marked as missed payments so i wonder when they will issue a default for me that least been since november last year for abt 1300 they want from me.

 

Boo hiss! You can always add a note to your credit file at some point explaining the interest was too high or saying you had issues so that future lenders can see.

[FONT=Comic Sans MS][SIZE=4][COLOR=magenta]C [COLOR=black]& [/COLOR][COLOR=blue]D :) [/COLOR][/COLOR][/SIZE][/FONT] [COLOR=black][FONT=Comic Sans MS][COLOR=mediumturquoise][B]HSBC[/B][COLOR=#000000]- Full settlement received & spent! £1,477.93 :-) [/COLOR][/COLOR][/FONT] [COLOR=mediumturquoise][FONT=Comic Sans MS][COLOR=mediumturquoise][B]HSBC claim 2![/B][/COLOR][COLOR=#000000] - Full settlement offer received 27/06 - £1,116 :) [/COLOR][/FONT] [FONT=Comic Sans MS][FONT=Comic Sans MS][COLOR=mediumturquoise][B]A&L[/B][/COLOR][COLOR=#000000] (for my Nan) - full settlement received on day of prelim hearing - approx £1500 :-)[/COLOR][/FONT] [FONT=Comic Sans MS][COLOR=mediumturquoise][B]Halifax[/B][/COLOR][COLOR=#000000] - (for a friend) - full settlement received 30/06 - £2576! :) [/COLOR][/FONT] [FONT=Comic Sans MS][COLOR=mediumturquoise][B]Barclays[/B][/COLOR][COLOR=#000000] - (for a friend) - Court forms were due to be submitted but he wants to wait for results of the court case with OFT[/COLOR][/FONT] [/FONT][/COLOR][/COLOR][FONT=Comic Sans MS][COLOR=#000000][B][COLOR=mediumturquoise]A&L[/COLOR][/B] - (for a friend) - court forms submitted - claim 'stayed' due to OFT case[/COLOR][/FONT]

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