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    • Thank you for posting up the results from the sar. The PCN is not compliant with the Protection of Freedoms Act 2012 Schedule 4. Under Section 9 [2][a] they are supposed to specify the parking time. the photographs show your car in motion both entering and leaving the car park thus not parking. If you have to do a Witness Statement later should they finally take you to Court you will have to continue to state that even though you stayed there for several hours in a small car park and the difference between the ANPR times and the actual parking period may only be a matter of a few minutes  nevertheless the CEL have failed to comply with the Act by failing to specify the parking period. However it looks as if your appeal revealed you were the driver the deficient PCN will not help you as the driver. I suspect that it may have been an appeal from the pub that meant that CEL offered you partly a way out  by allowing you to claim you had made an error in registering your vehicle reg. number . This enabled them to reduce the charge to £20 despite them acknowledging that you hadn't registered at all. We have not seen the signs in the car park yet so we do not what is said on them and all the signs say the same thing. It would be unusual for a pub to have  a Permit Holders Only sign which may discourage casual motorists from stopping there. But if that is the sign then as it prohibits any one who doesn't have a permit, then it cannot form a contract with motorists though it may depend on how the signs are worded.
    • Defence and Counterclaim Claim number XXX Claimant Civil Enforcement Limited Defendant XXXXXXXXXXXXX   How much of the claim do you dispute? I dispute the full amount claimed as shown on the claim form.   Do you dispute this claim because you have already paid it? No, for other reasons.   Defence 1. The Defendant is the recorded keeper of XXXXXXX  2. It is denied that the Defendant entered into a contract with the Claimant. 3. As held by the Upper Tax Tribunal in Vehicle Control Services Limited v HMRC [2012] UKUT 129 (TCC), any contract requires offer and acceptance. The Claimant was simply contracted by the landowner to provide car-park management services and is not capable of entering into a contract with the Defendant on its own account, as the car park is owned by and the terms of entry set by the landowner. Accordingly, it is denied that the Claimant has authority to bring this claim. 4. In any case it is denied that the Defendant broke the terms of a contract with the Claimant. 5. The Claimant is attempting double recovery by adding an additional sum not included in the original offer. 6. In a further abuse of the legal process the Claimant is claiming £50 legal representative's costs, even though they have no legal representative. 7. The Particulars of Claim is denied in its entirety. It is denied that the Claimant is entitled to the relief claimed or any relief at all. Signed I am the Defendant - I believe that the facts stated in this form are true XXXXXXXXXXX 01/05/2024   Defendant's date of birth XXXXXXXXXX   Address to which notices about this claim can be sent to you  
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What do I do about my payday loans


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Hi Everyone

 

I havent a clue what to write can somone help me, I want to get a letter together to post to my 4 payday lenders explaining I want to offer a repayment plan with them, I dont know where to start and what would be the minimum payment plan I got a loan off Quick Quid for £300 and its now gone upto £600 with interest and late charges etc.

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Hi there are for Quick Quid, Wage day adavance, 24/7 money box and 1 month loan, I have just send emails to all 4 companies and wage day advance want recent bank statements I dont want to provide these as its private information, can they request this

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Hi do they need a copy of my bank statement my boyfriends wages go into my account and I really dont want them seeing this information. This is the email I received from Wage Day Advance

 

Dear Customer

Thank you for your recent correspondence, please find attached an income expenditure form for you to complete in order for us to accept a reduced monthly payment.

Please complete the form in as much detail as possible and we will also require last months bank statement to support the income expenditure form, please ensure the form & the supporting document/s are returned to us within 5working days. Failure to do so will result in your account been processed which means you will incur daily interest, receive calls, emails & sms.

You also authorise WagedayAdvance to collect outstanding monies from any account details you have provided to us.

Regards,

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Hi im not sure how standing orders work ive only ever used Direct Debits.

 

If I set up standing orders with my 4 payday loan accounts and make a repayment offer to them can they take anymore money out etc, I am worried that If I set up standing orders for say £20 each company each month they will try take more etc can this be done or will they not find out my bank details if I set up standing order

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Standing order is safe as you are making an external payment from your bank. You pay in to their account with a reference no. (usually acc no). As long as you set the order up yourself in the bank and don't let them do it you should be fine. You can also cancel or change at any time.

They can't access your account to take any more buy this method

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They have no right at all to see your income and expenditure, I would tell them to Foxtrot Oscar. Who the hell do they think they are? The amount you should pay is what you can afford after you have taken your living costs, rent, food, fuel etc. No more no less, you have a right to live a decent life without sleepless nights.

Incidentially, WDA use Clarity DCA who are a " softer " option that most DCA and are willing to listen to repayment proposals. Life will get better but in my experience people always offer more than they can afford to get the Company off their back. Far from getting better it gets worse as hard sacrifices have to be made. Only offer what you can afford no matter what and do not be bullied.

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Hi, I have gone on sick leave from work due to personal issues so can not afford to pay my payday loans, I have Quick Quid, Wage Day Advance, 1 Month Loan and 24/7 money box I have initially emailed all four companies using a templated letter off this site stating I cant afford etc etc, but none of them have got back to me, what should I do now, I want it sorting Im too scared to open my front door incase its debt collectors?

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Hi

 

Phone one month loan and explain the situation , they should put you in a payment plan with no problems as they did with me , iam having trouble with wageday advanced as they requested bank statments which i sent but with various transactions blanked out i only left my wages going in , not sure about the other two but iam sure someone will advise

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Just received and email from payday company stating they can not arrange a payment plan as I am not in default yet, what do I have to do to be able to arrange a payment plan etc, do I leave it and wait for it to be passed onto a DCA unsure never been in this situation b4

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Who is the lender?

A little more info will enable us to help.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Hi, I have gone on sick leave from work due to personal issues so can not afford to pay my payday loans, I have Quick Quid, Wage Day Advance, 1 Month Loan and 24/7 money box I have initially emailed all four companies using a templated letter off this site stating I cant afford etc etc, but none of them have got back to me, what should I do now, I want it sorting Im too scared to open my front door incase its debt collectors?

 

Hiya foxeeylady

 

Have you changed your bank account? When is your default day?

 

Glo x

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Hi the lenders are Quick Quid, Wage Day Advance and 24/7 money box, I only got these loans 4wks ago and payment is now due, the reason I have not got the money me and my partner have split up so now I have to pay full for rent etc instead of half

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Hi sorry to hear about your situation!

The only thing I can suggest is that you pay what you can reasonably afford to each one, at least if you do this

it will show your willingness to clear the debts.

Please don't fall into the trap of borrowing more to pay these off it will only make matters worse.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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However getting the bnking details from the Pay Day lenders can be very difficult. If you name the companies, others may have their details, but alot of the PDL's won't give out their banking details as they want to get their grubby mitts on your bank details and then empty tyour bank account.

 

Whatever you do, do not give them any bank details and insist you ca only pay via SO (standing Order) they won 't like it, but some will give in and give their details eventually... Jus keep a copy of theemails/letters you send them, so if they do take you to court you have proof that you have tried to pay them and they have been obstructive and refused payments - thus bumping their charges up as much as they can

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  • 8 months later...

4 threads on the same issue, merged.

 

Please stick to one thread per situation, it is very difficult to advise if half the information is in another thread.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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