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    • Well we can't predict what the judge will believe. PE will say that they responded in the deadline and you will say they don't. Nobody can tell what a random DJ will decide. However if you go for an OOC settlement you should still be able to get some money
    • What do you guys think the chances are for her?   She followed the law, they didnt, then they engage in deception, would the judge take kindly to being lied to by these clowns? If we have a case then we should proceed and not allow these blatant dishonest cheaters to succeed 
    • I have looked at the car park and it is quite clearly marked that it is  pay to park  and advising that there are cameras installed so kind of difficult to dispute that. On the other hand it doesn't appear to state at the entrance what the charge is for breaching their rules. However they do have a load of writing in the two notices under the entrance sign which it would help if you could photograph legible copies of them. Also legible photos of the signs inside the car park as well as legible photos of the payment signs. I say legible because the wording of their signs is very important as to whether they have formed a contract with motorists. For example the entrance sign itself doe not offer a contract because it states the T&Cs are inside the car park. But the the two signs below may change that situation which is why we would like to see them. I have looked at their Notice to Keeper which is pretty close to what it should say apart from one item. Under the Protection of Freedoms Act 2012 Schedule 4 Section 9 [2]a] the PCN should specify the period of parking. It doesn't. It does show the ANPR times but that includes driving from the entrance to the parking spot and then from the parking place to the exit. I know that this is a small car park but the Act is quite clear that the parking period must be specified. That failure means that the keeper is no longer responsible for the charge, only the driver is now liable to pay. Should this ever go to Court , Judges do not accept that the driver and the keeper are the same person so ECP will have their work cut out deciding who was driving. As long as they do not know, it will be difficult for them to win in Court which is one reason why we advise not to appeal since the appeal can lead to them finding out at times that the driver  and the keeper were the same person. You will get loads of threats from ECP and their sixth rate debt collectors and solicitors. They will also keep quoting ever higher amounts owed. Do not worry, the maximum. they can charge is the amount on the sign. Anything over that is unlawful. You can safely ignore the drivel from the Drips but come back to us should you receive a Letter of Claim. That will be the Snotty letter time.
    • please stop using @username - sends unnecessary alerts to people. everyone that's posted on your thread inc you gets an automatic email alert when someone else posts.  
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      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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End Legalised Loan Sharks.


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I am slightly shocked today in fact stunned.

Old Tawny after over 40 years of working, with only a few breaks found myself looking for work.

CVs etc and mastery of IT etc and computerised whatever. Tills now that are no longer like Arkwrights on open all hours.

I applied and after one day flat was emailed, that wonderful new way of communication.

Turned down flat. I am not saying what job but thought I could do it.

I thought being so many jobs around, so they in power say I was on a definite thing.

I must admit tonight is a right old downer.

Seems a security course it seems so I am told by those wise ones is the way for me to go by those that know.

Dodgy heart etc,best to not say about that. Who will take me on afterwards. Perhaps the oldest security guard at Mothercare perhaps.

Apologies for going off topic but am lost in a world of modernisation it seems.

 

 

Sadly you are not alone TO. I suspect you were rather fortunate in that you were advised at all that your application was unsuccessful. We are seeing many people say they apply for 100's if not 1000's of jobs and are just totally ignored !

 

It is very strange that the retirement age is being extended, lots of mature employees are being made redundant - despite their skills their only options appear to be B&Q or Security work !

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Too many pensions to pay CB. No idea where cameron gets the idea there are jobs for all.

 

Chin up Tawny. I reckon you're due a bit of a break.

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Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro 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.

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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

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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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  • 2 weeks later...

'Members of the Armed Forces will be given their own credit union to stop them falling prey to payday lenders.

The Treasury is to hand over £500,000 from Libor fines - penalties charged to firms rigging the markets - to kickstart the scheme.

It will allow service personnel and veterans in debt to loan sharks and pay day lenders to pay off the money through payroll or pension deductions via a credit union..........'

http://www.mirror.co.uk/news/uk-news/armed-forces-given-loan-scheme-5408963

 

 

also,

 

'A couple have been forced to live in their Ford Focus after payday loansspiralled out of control and they were evicted from their home. Philip and Victoria Sherlock borrowed £830 from lenders to cover their rent after he fell ill and had to give up his physically demanding job. But the sky-high interest rates saw their debts rocket and they couldn't pay their rent, so they were evicted last month.The distraught pair now live in their Ford Focus which they park on an industrial estate -and even spent their 9th wedding anniversary sharing a Twix in the car.

They claim they asked the council for help but say they were told they were not considered high risk enough for emergency accommodation......'

http://www.mirror.co.uk/news/uk-news/homeless-couple-forced-live-ford-5358350

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  • 3 weeks later...

'The popularity of payday loans is on the wane in the North West according to new research by R3, the trade body for insolvency practitioners.......The figures come a week after payday lender Wonga reported a loss of £37.3m for 2014 and predicted more losses in 2015. They are also in line with figures from the Consumer Finance Association, the body which represents payday lenders, which says that the number of loans approved has shrunk by 75 per cent from its peak in 2013.'

 

http://www.chorley-guardian.co.uk/news/payday-loans-on-decline-in-north-west-1-7243989

 

re post # 574

'Homeless couple who were forced to live in their car after payday loans spiralled out of control get their lives back on track thanks to caring businessman'

 

http://www.dailymail.co.uk/news/article-3042394/Homeless-couple-forced-live-car-payday-loans-spiralled-control-lives-track-thanks-caring-businessman.html

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  • 2 weeks later...

Great news, but hoe many of the closed companies will resurface as other companies in this market - although with the general public becoming more aware (hopefully) of the trap you can fall in using these companies it will mean less people ending up with multiple lenders.

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Wonga aims for reinvention in new payday lending ad

 

http://www.bbc.co.uk/news/business-32778204

 

Just noticed the link two posts back does not work.My fault will pop it back on.

 

Hundreds of payday loan shops closing down after ban on rip-off interest rates

 

http://www.mirror.co.uk/news/uk-news/hundreds-payday-loan-shops-closing-5709191

 

So Wonga start TV advertising again without the puppets.

Cutbacks i suppose or severe woodworm.

Showing quite clearly the people they are now targeting.from farmers to dental nurses.

 

The lender estimates there are 13 million people in the UK who are struggling with money and are turned down by mainstream lenders. This also includes people who are new to the credit market, such as those moving into the country.

It said adverts would not be shown on children's TV, or channels or programmes with a large audience among younger people. Billboards within 50m of a school or college would also not be used for poster adverts.

 

Is that 50 metres or 50 miles.

TV advertising had better not be on during Emmerdale or Coronation street or old Tawnyowl will be switching over during breaks and missing all the adverts.Which i enjoy so much.

Is there a trust issue with this company.

No we believe everything you say.We will forget everything previously done.No worries at all.

I was going to write a list but it will take up to much space and put you to sleep.

Become clean cut boys then launch on the stock market make a few quid perhaps.

Billion at one time i heard,i will give you a fiver and close it down.Only joking.Tenner a fiver for bus home.

 

 

Now to all the dodgy legal loan sharks who have already headed for the hills or to their mansions or exotic locations thinking it was good while it lasted and are thinking of your next venture.

I just hope you can be tracked down and made to pay back what you have ripped off the people and communities of Great Britain for years.And the dodgy Payday Loan brokers who have had a right old result over the years.

Will it happen who knows but if it did the money would go back and probably be spent in local businesses instead of packed up and shipped or jetted out of town never to be seen again.

 

Now old Tawnyowl is back in Business Arts and Crafty kind of thing so must get back to my workhouse.

Carving works of art out of driftwood collected from my local beach over 2 winters.

Keep coming up with sharks,can not imagine why.

Till the next instalment which will not be long i bid you a good afternoon wherever you may be.

Tawnyowl.

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'One of the country’s biggest payday lenders (Quickquid) is facing questions from the financial watchdog about its British offices, amid concerns that it might not have enough staff here to become a fully authorised lender......'

 

http://www.telegraph.co.uk/finance/newsbysector/banksandfinance/11624405/Watchdog-probes-payday-lender-QuickQuid-over-its-British-offices.html

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Now old Tawnyowl is back in Business Arts and Crafty kind of thing so must get back to my workhouse.

Carving works of art out of driftwood collected from my local beach over 2 winters.

Keep coming up with sharks,can not imagine why.

Till the next instalment which will not be long i bid you a good afternoon wherever you may be.

Tawnyowl.

 

There is quite a market for carved driftwood, TO. :)

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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Hi citizenB

I hope so just getting going first piece a whale moving on to a shark next.Mind is full of ideas it is just letting them free.

And believe me the beaches in Winter are harsh desolate places and driftwood is hard to find and takes hours of searching for with howling gales and blowing sand but is enjoyable all the same.So genuine driftwood art is worth paying something for.As are all genuine crafts.

 

Some interesting posts from Ford and Sillygirl1 keep them coming.This business with the legal loan sharks is not over just starting a new chapter.

Many of the smaller lenders have headed for the hills with seemingly no posse chasing them to make them pay back what to me anyway seems ill gotten gains.

Leaving a few bigger lenders like the

predators they are chasing what for them could be juicy leftovers.A bigger market.

Say 3 year loans as well as the shorter loans to the middle class say some of you out there who may be struggling but are just scraping by paying the mortgage food gas electric etc and left with only a few quid each month.

You are going to be the new targets.Clearly.Remember the subprimers like that but on a smaller scale.

Smaller loans 1k 3k 5k which may lead for the new targets charging orders even repossesions long term.And who cares just as many of the subprime victims all will be forgotten in the mists of time Vultures.I will put a saying on I once wrote because

I am convinced this is the way they are going.I hope many in a year or two will not be thinking like this old saying of mine

Think of a man and woman struggling in a desert.Half a mile away is a oasis.A stranger offers them a drink, gratefully they accept it not knowing that the water was contaminated and would make them ill.Many of us were like that couple struggling but probably would have reached that oasis without that strangers contaminated product.They target us at our weakest and offer us contamination. I look around the world and see many people who were in that desert struggling but may have reached the oasis unaided.But the stranger will vanish when you want to return the favour.

Could you ever trust again a legal loan shark and their toxic products.

Worth even thinking about.

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from that link above, also good to know that all firms are being assessed by the reg.

 

 

From the Guardian re a googly. up to you;

 

'We would like to find out what is happening to people who would previously have managed to get a payday loan.

Have you recently had an application rejected? Where did you turn instead?

You can share your experiences by clicking on the blue ‘Contribute’ button on this article..... You can also use the ............

If you’d prefer to share anonymously, you can fill in the form below. You don’t need to supply your real name, but please do leave contact details if you’re happy for us to get in touch. You can also email us at [email protected]

We will use the most interesting contributions in our reporting....'

 

http://www.theguardian.com/money/2015/may/25/payday-loan-refused-experience-money-lending

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  • 2 weeks later...
  • 5 weeks later...

'The number of complaints about payday loans has nearly halved over the last year, according to the Citizens Advice charity. It said the drop was as a result of new rules introduced by the regulator, the Financial Conduct Authority (FCA). The FCA tightened the regulations in April 2014, and introduced a cap on payday loan charges in January 2015. Between January and March 2014, before the changes, Citizens Advice received 10,155 complaints about lenders. In the same period a year later, the number fell to 5,554 - a drop of 45%....."The drop in the number of problems reported to us about payday loans is good news for consumers," said Citizens Advice chief executive, Gillian Guy. "It demonstrates the impact a strong stance against irresponsible lending can have on people's lives..."

http://www.bbc.co.uk/news/business-33097538

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Still a significant amount of complaints and that's just to CAB.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro 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.

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it is.

 

and, heres an article re what 'one' 'used' to do..allegedly

'A manager at one of Britain’s biggest payday loan firms claims she was told to “take the rings off the fingers” of anyone who couldn’t pay, reports the Sunday People...Lorraine, who worked for Cheque Centre for eight years, says: “We were told that if customers came in wearing gold jewellery and they couldn’t pay their interest, we should offer to buy it from them..'

http://www.mirror.co.uk/news/uk-news/take-rings-fingers-payday-loan-5960812

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'Social Lending' Can friends and family replace payday lenders?'

'Daniel Green is starting his latest venture Flendr in an attempt to make borrowing from friends and family a genuine alternative to payday lenders. The business is looking to bring in principles from the Sharing Economy to loans between friends and family – something that feels like the sector’s journey reaching its natural conclusion....'

http://www.growthbusiness.co.uk/the-entrepreneur/lessons-from-an-entrepreneur/2488541/serial-entrepreneur-takes-on-payday-loan-and39monstersand39-with-flendr.thtml

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'Grimsby's Citizen Advice Bureau, Moneyline UK and the Credit Union have teamed up to raise awareness of the costs associated with opting for quick cash online as part of an Ethical Lending Drive....'

 

 

 

http://www.grimsbytelegraph.co.uk/Big-initiative-highlight-perils-payday-loans/story-26886464-detail/story.html

 

 

It is these factors which have prompted the CAB, Moneyline UK and the Credit Union to reiterate their stance on online payday lenders and notorious loan sharks.

 

Moneyline UK, which has offices at 238 Freeman Street, Grimsby, is a not-for-profit lender which offers "fair and flexible loans" which don't include any hidden costs.

 

Manager Ross Blackwood said the purpose of the Ethical Lending Drive is to raise awareness of the services and options available to people right on their doorstep.

 

"Moneyline UK is a Community Development Finance Institution, which means it is a not-for-profit lender looking to help bring financial inclusion to the community through affordable avenues of credit" he said.

 

"We want to raise awareness of who we are, where we are and what we do, so that people can make informed decisions when they might need access to credit.

 

 

Read more: http://www.grimsbytelegraph.co.uk/Big-initiative-highlight-perils-payday-loans/story-26886464-detail/story.html#ixzz3g4q9N4cI

 

 

Edited by citizenB
popped quote in
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'Guarantor loans are "as damaging" as payday loans, Citizens Advice says..'

 

http://www.cityam.com/220403/guarantor-loans-damaging-pay-day-loans-citizens-advice-says

 

 

'Guarantor loans are saddling friends and relatives with "mountains of debt" and are potentially just as damaging as payday loans, a charity has warned. Citizens Advice said those put forward as a guarantor on behalf of a borrower were unknowingly signing up to guarantee expensive loan repayments, and being pursued in the case of default or arrears. The charity's report, A Problem Shared, said 43% of guarantors who sought help from Citizens Advice were unsure of the extent of their responsibilities..........'

 

https://uk.news.yahoo.com/family-friends-taking-mountains-debt-guarantors-231850637.html

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'Rising numbers of borrowers are turning to loan sharks since tighter regulation of payday lenders was introduced, a new report claims.

The Consumer Finance Association, which represents short-term lending businesses in the UK, said that new consumer credit regulations are to blame for a 70 per cent reduction in access to short-term credit, resulting in new risks for low and middle-income borrowers....'

 

http://www.thisismoney.co.uk/money/cardsloans/article-3169194/Loan-sharks-rise-thanks-curbs-payday-lending-report-claims.html

 

'Debt charities disagree with the CFA's view, arguing that the new regulations have reduced the likelihood of vulnerable borrowers being pulled into spiralling debt'

http://www.bbc.co.uk/news/business-33592180

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