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    • Thank you. You haven't told us the values of the insurance work and of the additional work. I'm afraid that your comment about her being Spanish didn't look so good in the context of the other post talking about ethnicity. I would suggest that you stay clear of this kind of talk. You say that the property is leasehold. I'm assuming that the customer is the leasehold. Have you informed the insurance company of this problem? How much of any of this – especially the quotations for the additional work is in writing?
    • I'm just trying to be practical Do A Deal.   Mediate - they will give you few option and maybe nothing - but get rid of the default - off your record not just settled or satisfied.   Whatever you agree to make sure you stick to it or they might be back. Once it's over it will be behind you.    
    • Hi guys,    I got a straight lettr from Debt Recovery plus, and no other notice. the car is leased and I beleive it went to the lease company first. below is the details    For PCN's received through the post [ANPR camera capture]   please answer the following questions.   1 Date of the infringement    26/06/2019   2 Date on the NTK [this must have been received within 14 days from the 'offence' date]   Not sure, as the lease company recieved this. I only recieved a leeter from our registered address on the 11.09.2019 requsting £160, and than further letter on the 20.09.2019 with a notice to court   3 Date received   Not sure, as the lease company recieved this   4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?]   Not sure, as the lease company recieved this   5 Is there any photographic evidence of the event?   Not sure, as the lease company recieved this   6 Have you appealed? [Y/N?] post up your appeal] Have you had a response? [Y/N?] post it up   No, I have called them to ask for the original notice, and they said they will email this, but this has not happened. this was on the 20th September at 13.49   7 Who is the parking company?   APNR Parking Services Ltd   8. Where exactly [carpark name and town]   Prioiry Walk Service Yard, Queen Street, Colchester CO1 2PL   For either option, does it say which appeals body they operate under.   Does not state this    I fear that I cannot appeal because of the delay from getting it from the lease company, etc.    any help here would be greatly appreacitted   thanks   Irfan Khan     WORKFORCE - 11.9.2019.pdf WESL - 20.9.2019.pdf
    • Neither does your posts as we have already seen .. in posts 7 and 8           and still none.  
    • Hello,   i have recently missed a DD payment to X4L and have incurred a charge from harlands of £25, which i emailed in response to advising not  to take the payment on the next DD date due as advised in the letter received.   i confirmed over the telephone this was the appropriate action to take.   fast forward a week or so later and i get another letter advising another £25 has been added to the account despite my request.   i have absolutely no issue with payment of the first charge as this is my own fault etc. however i feel like the second occasions is ridiculous as i received no correspondence to advise it would still be taken...   Is this entirely my fault or am i within my rights to not make payment of the second charge?   i have looked through many forums and each case seemed to be ever so slightly different and wanted to ask the question?   thanks!!   
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Heropanda

What would you do with Wonga in this circumstance?

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Have just signed up to Checkmyfile and as this is now picking up Callcredit information a massive raft of entries from Wonga has been detected on my account going back to last year. In all there are 15 settled entries and 1 open entry where the noted currence balance is £2121.

This would probably link back to a loan taken out for £1088 over a one month period so with interest would have been £1300ish. At the time they very aggressively sought money from my bank account, they managed to take over £225 direct from the account even after i had cancelled my bank card. I still don't know how they managed to take this money as it wasn't available and put me £200 overdrawn incurring a whole load of additional charges and interest.

This was around the time i was made redundant and life was in significant upheaval, so i'll admit that my actions weren't the best but when your life is falling apart then you don't always make the best choices.

This puts me in the situation now where it's just about to go to default (it may already have as the last entry was April and at a 6) and i imagine the debts will have risen to £2500 ish by now at their earlier rate of progression. I haven't heard from them in a long time and although i no longer live at the address every other bit of communication has been via email so i would have expected correspondance to continue via these means.So it seems my options are as follows:-

1) Ignore it, take the limited hit that it only seems to be reported on Callcredit. This option is feasible as i don't live at the address they have for me as i had to move out due to lack of a job.

2) Talk to them and offer a reduced settlement figure and negotiate the removal of negative credit information running the risk of starting a period of harassment from them.

3) Allow the debt to go to default and then challenge that the majority of the debt consists of penalty charges and extortionate interest. By my calculations the one month loan + interest would be £1300ish, they have taken £225 from me so the maximum balance i could be defaulted on should be closer to £1050-£1100 shouldn't it?

What would you guys do?I already have one default currently registered by Mackenzie Hall so i'm already a little bit buggered for a few years anyways, advice?

Edited by Heropanda

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Hi hero

 

The guys will be happy to advise as soon as they are available.


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Don't have much knowledge with regard to these loans, but, to be honest negoiating removing anything from a credit file unless you have proof positive, is really a non-starter.

 

I really can't offer any advice as to the options you list, so hopefully others with more knowledge will be along soon.


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The only person entitled to your Personal Finance details is a Judge not a DCA

 

Move all banking activity to another banking group if you have a dispute - your funds can be used to offset debts within the same group.

Be careful with Banking details (card/account numbers) as these can be used to take unauthorised payments.

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your actions wern't the best? Mate no one here will judge you. you've done nothing wrong!!the guys on here will no doubt advise you of the best way to go on. all i will say is i took onboard advice i have seen here and it's working! however nothing happens overnight so just bide your time (this is something i've had to learn since i have been here!)we are here for you mate!!

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