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    • Thanks Dx. Amended defence set out below. Does it look right now?   1. By agreement between the defendant and Halifax on or around the 3/3/2015 (the agreement) Halifax agreed to loan the defendant monies.     2.The defendant did not pay instalments as they fell due.     3.The agreement was terminated following a service of a default notice.     4.The agreement was assigned to the claimant.     5.The claimant therefore claims 1. 4.5k 2. Costs    Defence   1. The Defendant contends that the particulars of claim are vague and generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made.     2. The Claimant has not complied with paragraph 3 of the PAPDC (Pre Action Protocol) Failed to serve a letter of claim pre claim pursuant to PAPDC changes of the 1st October 2017. It is respectfully requested that the court take this into consideration pursuant to 7.1 PAPDC.     3. Paragraph 1 is denied. It is accepted that I have had financial dealings with Halifax in the past. However I do not recall entering into any financial agreement with Halifax on or around 03/03/2015 and have sought verification from the claimant who has not complied with my request for further information.     4. Paragraph 2 is denied. I am not aware of any payment terms for the stated agreement.     5. Paragraph 3 is denied. It is denied that Cabot Financial served any Default notice on the Defendant pursuant to s87 Consumer Credit Act 1974. The Claimant is required to prove that a compliant Default Notice was served upon the Defendant. The Claimant is required to prove that the any Default notice relied upon complied with the requirements of s88(4A) Consumer Credit Act 1974 and that the notice was in the prescribed form as required by The Consumer Credit Enforcement Default and Termination Notice Regulations 1983.   6. Paragraph 4 is denied as I am unaware of any legal assignment or Notice of Assignment allegedly served by either the claimant or the original creditor.     7. It is therefore denied with regards to the Defendant owing any monies to the Claimant; the Claimant has failed to provide any evidence of credit agreement / assignment / balance / breach requested by CPR 31.14, and remains in default of my section 77 request, therefore the Claimant is put to strict proof to:   a. Show how the Defendant has entered into an agreement; and   b. Show how the Defendant has reached the amount claimed for; and   c. Show how the Claimant has the legal right, either under statute or equity to issue a claim     8. On receipt of this claim I requested by way of Royal Mail on 13/10/20 a CPR 31.14 request from the claimant’s solicitors and a section 77 requests to the Claimant, for copies of the documents referred to within the Claimant’s particulars to establish what the claim is for. To date the Claimant has failed to comply with my section 77 request and their solicitors, Mortimer Clarke, have refused my CPR 31.14 request.     9. As per Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed.     10. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82 A of the Consumer Credit Act 1974     11. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.  
    • I'm generally convinced that there is at least 2 users on MSE that's in my thread that has friends or family or even themselves that have similar line of work to MB or Gladstone.   I don't mind different opinions but they're just throwing out playground insults to me for using that letter saying I'm stupid, prat, idiot etc etc for doing it and not including in the letter without prejudice so it can't be used against me in court. I think I'll leave MSE and just stick with CAG and pep in this case.    
    • not sure what happened to the statint sheet...looks like you over wrote cells.   so they have already litigated over this debt ?
    • Fraudsters are using the details of firms we authorise to try to convince people that they work for a genuine, authorised firm. Find out more about this ‘clone firm’. View the full article
    • Any time limits AZ might spout are simply arbitrary, the ONLY thing you need to be doing is informing them ''in writing'' of your new address.   Also ensure your CRF is updated and showing your correct address also.   When you send AZ the letter which needs only to be one line......   Sir/madam.   My current address is No.1 Mickey mouse street blah blah blah, please update your records accordingly.   Regards   And obtain ''proof of posting'' which is free from the po counter, send it 2nd class post.
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
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many thanks in advance,


i have found this website and was hoping everyone here will be able to help me get out of this terrible trap of payday lenders. i have currently got 7 payday loans with the following companies.


payday uk £250

payday express £320

1 month loan £377

safe loans £300

wage day advance £425

mr lender £230

lending streem £312


payday uk i didnt make any payment last month.


total debt with pay day lenders is 2214


as well as these debts i have a capital one credit card more 650 balance 150 over my credit limit.

and another one that is within my credit limit.


totalling debt over 3000.


the main reason i have come on here is to hopefully get day to day guidance on the communication I need to have with the lenders that i am involved with. letter templates ect. i am currently trying to move up the ranks at work and looking at a really good job in the future and dont want this getting in the way. do they call your work? can i stop it? interest payments? please guys help me to get out of this.


income is 1000 every 4 weeks, expenditure i can push to 400 pound as per that 4 week pay period.


i will be very grateful to whomever can assist.


payday is today btw 05/08/11.

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hi, troubled on payday. firstly try and calm down, you've done the right thing by coming on here and also to admitting that you need help. I'm sure that lots of the guys will be on soon and they can help you more. We've all been in this boat, so we understand your predicament. Hold tight, someone will be along soon x

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1st thing is to contact all the lenders tell them you can not afford all their repayments and ask them to freeze interest and charges (most will not but you lose nothing by asking).


from what I can see you have two options either pay £50 to each one (problem is they will all default you add charges and interest) or check what ones will charge you most in fees you may be better off clearing one at a time starting with the smallest and working your way up paying the remainder of the £400 towards the others to stop them considering any further action.


They may call your work, visit your house etc.. but they are all tactics to scare you if you talk to them and arrange payments they will have no reason to do these things, some will be more aggressive than others try to stick to emails and most importantely do not take out any further paydays loans EVER

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OK, so first up please know that you're not alone here... And although things may look bad now you're not the first person to get themselves in a state with payday loans. I can tell you that from personal experience and I had more payday loans than you. (Believe me, that's nothing to brag about).


The first thing to do is to not panic. I know us here are just on the internet but use us as virtual friends and advisors.


The second thing is to stop taking out more loans and stop things getting any worse. You can do this by cancelling any direct debits and telling your bank your debit card has been stolen. Don't say lost because I've found these companies can still take money out if you just go with "lost".


The third thing is to get in touch with these companies and say you're experiencing financial difficulties and you can only pay £x per month. The amount will be based on the total value of the debt pro-rata. As an example... Your total payday loan debt is £2214. Let's say that you can realistically afford to pay back £200 per month...


So, to take Payday UK as an example, you owe £250. So divide £250 by £2214 and you get 0.11. Multiply 0.11 by 200 (the amount you can afford) and you get £22. This is the amount you offer to pay back per month.

Then, go to 1 month loan. You owe £377 so divide 377 by 2214 and you get 0.17. Multiply 0.17 by 200 and you get £34. That's the amount you offer to 1 month loan.


If you repeat for all companies, you'll find you reach £200.


The key thing to remember is that despite the letters - and when you've received as many as I have, you'll start to recognise the same phrases over and over - you can only repay what you can afford. And what you can afford is your income minus priority debt (eg housing) minus a reasonable living amount each month.


Even if this progresses to a county court stage, you will only ever be asked to pay what you can afford.


If it's any help, I have debts with 4 of the companies you mention and they're all accepting my offer. Make sure it's realistic, you can stick with it, and keep making the payment each month regardless of however nasty the letters get.

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hi thanks for everyone help here this place is a blessing. feel a little relaxed after getting it all out. hi j1mb0b thanks for your detailed post really been a good step in the right direction.


first thing i now need help with they have been calling my work telephone number and it really making me feel down is there a way i can stop them from calling that number because i am sure they are supposed to only use that number in the case of verifying my workplace and employment. also they called 5 times before i arrived at work and it terrifies me thinking that my employers get suspensions about me due to the fact that i trying to work my way up the ladder, i do not want to put this in jeopardy. would u be able to find and act of parliament or code of conduct that i can use to block them from calling these numbers.


also just a quick one which of the 4 lenders did u manage to create an agreement with and how did u go about setting up these agreements with those lenders?


you are a super star my friend thanks for the arm to lean on ;-)



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OK, let me try and answer a few questions here in turn....


1) The companies who have accepted a payment are Payday Express, Safe Loans, Wageday Advance and Mr Lender.


2) I too had the creditors phoning me at work and I'm afraid I can't help with that. I fortunately had a phone that showed the caller's number so just answered calls from creditors or numbers I didn't recognise with a, "Hello (company name") and then deny I was the person they were calling for. The other option is to answer and say, "I'm sorry, xxx doesn't work here any more" but that wasn't practical for me because I worked in an open plan office. All this said... They do stop calling once you've started to make payments.


3) I make my payments via Payplan. I phoned them at start via www dot payplan dot com. You need to investigate if that's right for you. I used them because I had many debts with over 15 creditors in total; and the advantage is that they took care of working out what I could afford, contacting the creditors and then paying them. Also, this is a Debt Management Plan so it's not a default but it leaves you with the confidence that you can pass all letters and all emails to them directly.


The most important thing though is that you know you're paying what you can afford and that's been properly calculated.


Whether you use Payplan or any other service (eg CCCS)or just work it out yourself, the most important thing to remember is that regardless who asks (eg creditors) and regardless of what they say (threatening court action), you can only pay what you have.


Nobody, ever, even at CCJ stage, will ask you to pay more than that. And do you know what? The creditors know that.


Three more points:


1) All creditors would rather have something (anything) rather than nothing which is what they get when you cancel your cards;

2) You are still far from the end of the insecured creditor repayment process. Remember that even if you receive a CCJ you still have a period to repay them before it actually reaches court (and even then if it goes to court, you can still repay the amount within a period and the CCJ does not stay on your credit record).

3) You will receive many scary looking letters, some of which will claim court action, some of which will say they're coming round, some of which will say that you're committing a criminal act. All of these are most likely untrue but don't ignore them!


** Work out what you can afford to pay in total, calculate the debt pro-rata per creditor, then start to make payments. **

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Oh j1mbob thanks so much for this information. I too am in the same situation as you "troubled on pay day" I've got 5 pay day loans and paying so much interest it is ridiculous and am ashamed of myself for getting into such a pickle when I actually earn quite decent money. I told the bank my card had been used fraudulently and wanted a new one and they put a stop on my debit card straight away. One lending company Wage Day Advance were taking multiple amounts and unauthorised amounts on my pay day so I cancelled my card and am now going to approach each one and set up a realistic montly payment. I am so glad I found this forum. Good luck! Cheeky Choca

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Hi Troubled on Payday, I am experiencing almost exactly the same thing, with the same lenders for similar amounts - I know how you feel with the scary part. Am a single dad and have had to stop paying the interest as was starting to run out of money for food. The advice on this thread has really helped, so thank you very much for the advice.



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  • 4 weeks later...

currently i am paying 1 month loan 20gbp, mr lender 35gbp, payday uk 50gbp, safeloans 82gbp,


payday express is causing me a lot of trouble and wage day advance are too. any advis on these guys would be appreciated. i currently feel really stressed over all this and would just like to say to all of you out there fight it and look foward to the end result.


all the best.

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hi also see posts on quick quid and how i got on payment plans with them and poundstillpayday. keep in touch with each payday lender dont ignore them as this will make it worse and as i was advised on here get a new debit card and buy a pre paid card to pay them ,good luck u can do it :?:

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Hi troubled on payday, don't stress xx - we're all here in the same big payday loan boat I'd echo all the above


Payday Express one of mine to they will eventually help and agree to your payments - please just be prepared to go to complaint level with them

If they keep on giving you grief go to the CFA which their members of - more info in the darren v payday express thread on here


All lenders must follow a 'code of conduct' - if they don't you can make a complaint


Sorry I've no experience of Wage Day Advance - perhaps someone else can advise

Happy to share my experience but for your own protection, please check and double check what myself and other Caggers inform


“Nothing in this world can take the place of persistence.”



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  • 2 weeks later...

I was in a very similar position to you last summer - I found Payday Express difficult to deal with as they kept badgering me to make a full payment and they wouldn't accept lesser payments without my providing a complete breakdown of income and expenditure which legally I didn't have to provide, in they end they sent my account to Frederikson International who are very easy to deal with and they set up a payment plan over the phone and I pay using my card so they don't have my details. With regards to WageDay Advance, I had no problem with them setting up a repayment programme, I spoke with Hayley Dunn in the collections team, they did charge something like £25 to set up the payment plan but again gave me their bank details so I was in control of the payments.

Hope this helps but please let me know if you need any further help

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  • 1 year later...

I nearly posted on a old thread.

Oh well may as well.

For anyone in similar circumstances maybe this will help.

The Payday Loan Survival Guide by Mike Dailly-Govan Law Centre.


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Hi Guys


I too had a shed load of payday loans and was lucky enough to pay them all off, would never touch one again with a very large barge pole...! easy to get into the spiral of debt with them but this is a great site to help people like you too get out of the trouble. Without this site i would have been up sh*t creek.


By the way has anybody else noticed some of the advertising on this website.........they are payday loans......!

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Adverts are based on what sites you view

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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Just a quick question, when you made arrangments with the lenders do they freeze your interest? I was in the same rut up until earlier this year and I wish that I had persued arrangements, I just backed down when they said no and now I am kicking myself wit the the amount of interest I paid over.


Like the others say on here, if you can avoid don't take out any more loans, I wish I had come across this site sooner, I have had many a sleepless night and been sick with worry when as soon as my wages went in there was nothing left month on month...

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OFT guidance states that the lender should consider stopping ALL interest and charges when a debtor has shown that they are in financial difficulty and accruance of interest etc will cause them further hardship.


PDL's try and state that it is only guidance and they are only required to consider it. WHat they fail to realise is that not following the guidance causes them to breach said guidance and the OFT considers it an unfair business practice that can put their credit licence in jeopardy. Thats why in another thread, one of CAG's site admins has stated that the lender must ALWAYS be reported. Both to the OFT and FOS. The FOS will charge the lender £550 per investigation which is considerably more than a lot of people owe.


See http://www.consumeractiongroup.co.uk/forum/showthread.php?399260-Feel-that-you-ve-been-treated-unfairly-by-your-Payday-loan-lender-COMPLAIN-TO-THE-FOS!!(2-Viewing)-nbsp for more info

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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Thanks for the response. I was just looking another thread earlier for someone that is persuing a complaint post paying off all their loans. I am thinking about doing the same. I have got to have paid at least £15k in interest it's at least worth contacting the FOS about and I think a precedent has to and will be set in favour of the consumer. I was lucky enough to be bailed out by a faily member but once I paid them all off I was literally hounded by them to take more loans out .I contacted them on many occasions when I found myself penniless but always presented with a brick wall and increased limits. If they were fair in their practices they would have given me some breathing space as opposed to lending me more money

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