Jump to content


  • Tweets

  • Posts

    • Now that is an interesting article which adds afew perspective that I hadn't thought significant - but on reflection of the perspectives offered ... Now Starmer is no Blair, however 'blairite he may be perceived, but the Tories aren't tories and aren't even remotely liberal   The fast 'unannounced and unexpected election call from sunack may well be explained by the opinion linked that he hoped reform would be unprepared and effectively call a chunk of Farages largely empty bluster - making him look even more of a prat, leave scope for attacks on shabby reform candidates and mimimise core vote losses to reform - while throwing the 'middle ground' (relative) tories TO THE DOGS - and with the added bonus of likely pacifying his missu' desire to jogg off to sunny cal tout suite somewhat   thumb in the air - I expect about 140ish tory seats, but can hope for under a hundred Reform - got to admit the outside possibility of 1, maybe 2 seats with about 8% of the vote - but unlikely. I think projections of over 10% of the vote for reform is nudged and paid for speculation - but possible with the expected massive drives from Russian, Chinese and far right social media bot and troll prods targeting the gullible.
    • Commentary June 2024 WWW.ELECTORALCALCULUS.CO.UK Interesting article about just how bad it could be for the Tories.  Also Tories could be hoping on Reform not having candidates in many seats, as they were not ready.  
    • Even a Piers Morgan is an improvement and a gutless Farage Piers Morgan calls for second Brexit referendum WWW.THELONDONECONOMIC.COM Piers Morgan and Nigel Farage have faced off over Brexit and a second referendum in a heated reunion on BBC Question Time.   “Why don’t we have another referendum about Brexit?” he questioned. “I seem to remember when 2016 came around we were told there was going to be control of our borders and it was going to be economically beneficial to this country. And eight years later we have lost complete control of our borders… and economically it seems to have been a wilful act of self-harm.”   ... Piers missed off : after all somebody said a 48/52 decision would be "unfinished business" by a long way - was that person just bul lying (again)  
    • when did they (who) inform you there was a 'police case' and when was this attained? i will guess the debt is now SB'd as it's UAE 15yrs. have you informed the bsnk ever by email/letter of your correct and current address? you can always ignore anyone else accept the bank,  Block and bounce back all emails. Block any text messages  Ignore any letters unless it's: - a Statutory Demand - a Letter Of Claim - a Court Claimform via Northants bulk.  
    • I left Dubai 8 years ago and intended to return. However a job prospect fell through. I’d been there for 15 years. I decided to pay my credit card and the bank had frozen my account. There is no means to pay the CC so completely unable to pay when I wanted to other than the bank advising me to ask a friend in the UAE to pay it on my behalf!  fast forward bank informs there is a police case against me for non payment. Years later IDR chased me and after months/ years they stopped. Now Judge & Priestley are trying their luck. Now I have received an email in English and Arabic from JP saying the bank has authorised them to collect debts. Is this the same as IDR although I didn’t receive anything like this from them. Just says they are authorised?
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

24/7 Moneybox


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4670 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

they offered to set one up for me, but only if I provided them with new bank card no.s , that didn't happen, especially after I found out they raided my account anyway, and a day before the due date at that, despite 6 emails to them, all unanswered. they are crap on the phone too, will only talk if you give them card details. They say my account is now more than it was 7 days ago, despite havin taking £133.83 out , I only borrowed £265 in the first place, I have spoken to CD about them, they have said to ring the FOS and complain, so that's next.

Link to post
Share on other sites

they offered to set one up for me, but only if I provided them with new bank card no.s , that didn't happen, especially after I found out they raided my account anyway, and a day before the due date at that, despite 6 emails to them, all unanswered. they are crap on the phone too, will only talk if you give them card details. They say my account is now more than it was 7 days ago, despite havin taking £133.83 out , I only borrowed £265 in the first place, I have spoken to CD about them, they have said to ring the FOS and complain, so that's next.

 

Keep us updated how it goes, i not willing to discuss via phone with them but they don't reply to emails.

Link to post
Share on other sites

I defaulted on a loan of about £290 with 24/7 moneybox. I have tryed emailing them to set up a payment plan to no avail its all gone quiet there end as i have refused to talk to them on the phone how should i deal with it and what are they likely to do?

Link to post
Share on other sites

hiya darren, you could write them a letter which offers repayment plans, send it recorded delivery so they dont say you never offered repayment xx dont worry about it too much and only pay what you can afford, when you can afford it x

Link to post
Share on other sites

Received this message from 24/7 moneybox

 

After discussing with my manager we will accept your offer of £60 per month payment plan. Obviously fees will continue until we receive your first payment. But as soon as that is received all fees and charges will be frozen and the balance will be reduced on every payment.

 

Sounds fair to me.

Link to post
Share on other sites

Oh Darren I feel so much better now, not because you have more than me cos I have other debts too but because other people who understand what I am going through. Have you managed to get them under control. I've changed my bank details and am hopefully going to set up monthly payment plans where they will freeze the interest.

Link to post
Share on other sites

Some of these companies will insist on taking your card details so they can set up a payment plan. Whatever you do, don't fall for it. If they have access to your card, they can and will

often take whatever they can regardless of any agreement made. My advise is to get a couple of prepaid debit cards which you load just before making any payment.

Link to post
Share on other sites

Some of these companies will insist on taking your card details so they can set up a payment plan. Whatever you do, don't fall for it. If they have access to your card, they can and will

often take whatever they can regardless of any agreement made. My advise is to get a couple of prepaid debit cards which you load just before making any payment.

 

Yes i have another account and am gonna put money on it as and when i am making payments.

Link to post
Share on other sites

Oh Darren I feel so much better now, not because you have more than me cos I have other debts too but because other people who understand what I am going through. Have you managed to get them under control. I've changed my bank details and am hopefully going to set up monthly payment plans where they will freeze the interest.

 

well i have only tried and succeeded in setting up plans with 2 so far but 1 of them was 24/7 moneybox who are apparantly one of the harder ones to deal with, they took a while to agree and i had to harrass them with emails but eventually they emailed back with

 

After discussing with my manager we will accept your offer of £60 per month payment plan. Obviously fees will continue until we receive your first payment. But as soon as that is received all fees and charges will be frozen and the balance will be reduced on every payment.

 

Which i think is reasonable, i'm no expert but i'd say don't back down and make sure you don't let them get away with stuff there not allowed too in other words no the laws.

Link to post
Share on other sites

247 wont answer emails, I asked why not, they said wrong dept, you couldn't make it up, they tried to tell me they took money out on the 5th as agreed, yet I was staring at the screen of my bank saying the 4th, told the guy will send him a screen shot and expect his call in the morning to apologies, any takers on if he'll ring or not?

Link to post
Share on other sites

247 wont answer emails, I asked why not, they said wrong dept, you couldn't make it up, they tried to tell me they took money out on the 5th as agreed, yet I was staring at the screen of my bank saying the 4th, told the guy will send him a screen shot and expect his call in the morning to apologies, any takers on if he'll ring or not?

 

Whats your situation at present with them if u don't mind me asking

Link to post
Share on other sites

they took 93, 20 and 20, the 93 was a day early, I borrowed 265, they now say still over 300 , told him he was having a laugh but would make arrangement to pay the rest of what i actually owe. waiting for him to ring today after he sees the proof they took it early .

Link to post
Share on other sites

Remember, all payday loans are only repaid on the basis of original loan amount plus one months interest. No more. They aren't legally entitled to any more than that. Don't pay them their stupid charges.

"In this situation, you know what you have to do? Just keep swimming, swimming, swimming." Dory - Finding Nemo.:wink:

Link to post
Share on other sites

The prepaid debit card is a very good idea, that way they cannot get their hands on your income and are satisifed when they have the debit card.

 

I have a strong suspicion that a lot of these companies are offshore based and hiding the money trail, that is why they won't give out their bank details, also some clever person might find a way of getting THEIR money back by using the bank details given out.

 

There needs to be much tougher legislation against this lot, they cannot go mad with charges when your interest rate is already over the odds, and they cannot take money 'at will' without incurring severe penalties (as would happen to us if we did that).

Link to post
Share on other sites

Remember, all payday loans are only repaid on the basis of original loan amount plus one months interest. No more. They aren't legally entitled to any more than that. Don't pay them their stupid charges.

 

That's good to know, thanks Kitten 1. So glad I joined this forum you are all so helpful, thank you.

Link to post
Share on other sites

Their terms and conditions are flawed and are NOT UK law, the Unfair Terms and Conditions act comes into play here. UK Statute law takes precedence over terms and conditions where they are flawed. I suggest you read up on other threads on this forum where it has been discussed in depth.

 

Just because it is in the terms and conditions does not make it legal or right or enforceable by law.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...