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    • Ok looks like we are going to court. Ive recieved a "Directions Questionnaire" (Small Claims Track).   Obviously self explanatory to fill out but I assume I dont agree to mediation? Will this be frowned upon? Obviously I have no intention of giving them a penny so unless mediation results in them witdrawing their claim I presume I tick no here?
    • Notice of Allocation to smalls claim track ( hearing )     the final hearing is 16th December   the trial fees are non refundable , does not give a date for fees , it says if parties settle before the trial fee id due then the trial fee will not be payable , if a consent order settling the matter is requested after the trial fee has been paid then the consent order fee will be payable .      
    • OK, so Idem has sent back the quickest response in history following the CCA letter from my OH. An envelope arrived today.   They've sent another copy of the original and signed, application form  from 2000 - most  of which is illegible however, husband's name, address and signature is clear - the small writing is very blurry.  They've also sent numerous A4 pages of what they say is the agreement (it's photocopies of what look likes old pages). There's no signature on it. It's just pages of A4.    Does this help us at all??   Also, am I right in thinking that day claim arrived (4th Sept) + 33 days = Monday 7th October, which is when the defence needs to be in by?   Thanks as always.
    • Hello all,    I have received a letter from Advantis in regards to an overpayment of carers allowance I received when I got a job whilst I was caring for my mother. I did not know I had to inform them etc.    Long story short, I had a compliance phonecall with carers and nothing more was said.    I stopped caring for my mum shortly after and cancelled my carers allowance too.    I was employed for 4 months at the beginning of 2018.    Apparently the DWP and carers have sent letters but I haven't responded so they've gone through Advantis to recover the amount owed. I moved house shortly after cancelling everything and had no contact from them at all.    They sent letters to my previous address so they told me that's why it's been passed onto Advantis.    Today DWP told me that the only thing they can do is take payment in full, or deal with Advantis to come up with a payment plan.    I spoke to Advantis who asked me to pay in full or in two installments, I refused and they then said they've put my account on hold for 30 days whilst I go away and work out my monthly income etc so they can go through an affordability assessment to work out how much I can pay back and how often.      What shall I do? DWP tell me there's nothing they can do as it's been passed onto Advantis.    Advantis tell me they are working on behalf of the DWP... Nobody will tell me who owns the debt.     What shall I do?    Thank you all in advance for your amazing help.     
    • Hi, I have just received a pcn from Euro Car Parks saying that my car was in one of their car parks for 13 mins without making a payment. The reason being is that my husband was waiting for me, but where he thought I would only be 5 mins I was longer because of health issues and I had to take a rest. As if this wasn't enough, unbelievably I have just received ANOTHER notice saying I had not paid for a ticket on the 9th of September. I would like to mention the car park charges are so cheap, at £1:20 all day, it would be insane not to pay. We have used this car park only around 4 times and have always paid, excepting th time the car was waiting for 13mins. What a shock I have got receiving these notices. I wonder if I accidentally keyed in my registration incorrectly? Please can someone advise.
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Has anyone used Swift Payday Loans UK? I found there website. (Edit)

I found them the other day, the application form seems secure so was just wondering if anyone has tried them?

 

Thanks.

Edited by ukaviator

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I have, dont do it , it will set you on the road to disaster

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this is not a site where we would ever advise using a payday loan, this is a site to help people get out of debt not into it.

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Nice try Carl. . .

 

Stay away from Swift Payday Loans, Representative APR = 1737.2% APR . .


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Has anyone used Swift Payday Loans UK? I found there website. (Edit)

I found them the other day, the application form seems secure so was just wondering if anyone has tried them?

 

Thanks.

 

Hi, I have used it twice,and yes it's very secure,but a word of warning,on the day your money is due there is no extensions,it must be paid on that date.

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Also if things go wrong, they will be no help at all, they will insist on full payment or nothing, and their CRS attack dogs are apparently under the same orders.

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York, Cag does not condone people emailing others about debts on this site. If you have advice for others, please do not keep it secret, as since you are anew poster, it is pretty suspicious. Keep all advice in the thread so many people can benefit.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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I wrote a letter of complaint to the OFT,Trading standards, my local MP, to all the money programmes I could find,an newspapers,and I sent a copy to the company, but please,please keep all the replies from the company as this can be used in evidence against these leaches, the sooner the goverment or other governing bodies stop giving these organised loan sharks a licence to trade, the more respect they will get from people trying to do their best working and earning the minimum wage with limited resources to spend on trying to live honestly. Roll on the day that some goverment gets the b...s to say to PDLs enough, abide by stringent rules or face the punishment!

 

York, Cag does not condone people emailing others about debts on this site. If you have advice for others, please do not keep it secret, as since you are anew poster, it is pretty suspicious. Keep all advice in the thread so many people can benefit.

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Good work York! Advice is often given to people here to Report loudly to the relevant people when these PDL sharks operate unfairly.

 

Keep up the good work :)


It never rains but it pours...

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