Jump to content


  • Tweets

  • Posts

    • The case against the US-based ride-hailing giant is being brought on behalf of over 10,800 drivers.View the full article
    • I have just read the smaller print on their signs. It says that you can pay at the end of your parking session. given that you have ten minutes grace period the 35 seconds could easily have been taken up with walking back to your car, switching on the engine and then driving out. Even in my younger days when I used to regularly exceed speed limits, I doubt I could have done that in 35 seconds even when I  had a TR5.
    • Makers of insect-based animal feed hope to be able to compete with soybeans on price.View the full article
    • Thank you for posting up the results from the sar. The PCN is not compliant with the Protection of Freedoms Act 2012 Schedule 4. Under Section 9 [2][a] they are supposed to specify the parking time. the photographs show your car in motion both entering and leaving the car park thus not parking. If you have to do a Witness Statement later should they finally take you to Court you will have to continue to state that even though you stayed there for several hours in a small car park and the difference between the ANPR times and the actual parking period may only be a matter of a few minutes  nevertheless the CEL have failed to comply with the Act by failing to specify the parking period. However it looks as if your appeal revealed you were the driver the deficient PCN will not help you as the driver. I suspect that it may have been an appeal from the pub that meant that CEL offered you partly a way out  by allowing you to claim you had made an error in registering your vehicle reg. number . This enabled them to reduce the charge to £20 despite them acknowledging that you hadn't registered at all. We have not seen the signs in the car park yet so we do not what is said on them and all the signs say the same thing. It would be unusual for a pub to have  a Permit Holders Only sign which may discourage casual motorists from stopping there. But if that is the sign then as it prohibits any one who doesn't have a permit, then it cannot form a contract with motorists though it may depend on how the signs are worded.
    • Defence and Counterclaim Claim number XXX Claimant Civil Enforcement Limited Defendant XXXXXXXXXXXXX   How much of the claim do you dispute? I dispute the full amount claimed as shown on the claim form.   Do you dispute this claim because you have already paid it? No, for other reasons.   Defence 1. The Defendant is the recorded keeper of XXXXXXX  2. It is denied that the Defendant entered into a contract with the Claimant. 3. As held by the Upper Tax Tribunal in Vehicle Control Services Limited v HMRC [2012] UKUT 129 (TCC), any contract requires offer and acceptance. The Claimant was simply contracted by the landowner to provide car-park management services and is not capable of entering into a contract with the Defendant on its own account, as the car park is owned by and the terms of entry set by the landowner. Accordingly, it is denied that the Claimant has authority to bring this claim. 4. In any case it is denied that the Defendant broke the terms of a contract with the Claimant. 5. The Claimant is attempting double recovery by adding an additional sum not included in the original offer. 6. In a further abuse of the legal process the Claimant is claiming £50 legal representative's costs, even though they have no legal representative. 7. The Particulars of Claim is denied in its entirety. It is denied that the Claimant is entitled to the relief claimed or any relief at all. Signed I am the Defendant - I believe that the facts stated in this form are true XXXXXXXXXXX 01/05/2024   Defendant's date of birth XXXXXXXXXX   Address to which notices about this claim can be sent to you  
  • 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

Payday loan help please **


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4622 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

Hi all

 

This is where im at. Still cant get any joy with MINI Credit, having an absolute nightmare with them. I have set the money aside to pay the origional loan but i cant get their bank details and dont want to pay by debit card as i dont want them to have my details.

 

Fredrickson International are calling me up to 7 timesd at day although they have stopped calling me at work as my boss had a fir at them and i very nearlly lost my job. I have been trying to get hold of their email address as i find talking on the phone to these companies very intimidating but i just cant locate it anywhere. Its not on their letters or website. The only way i can deal with them i think it through 'fredpay' but i havent registered yet as i dont want to do anything wrong.

 

They have now sent me a Letter Before Action telling me if i dont pay within 7 days they are going to take me to court. The amount of the loan has sky rocketed upto ovger £750.00, the original loan only being £300.00. Im really scared and dont know what to do. Shall I ring them? theres no way I can give them £750.00. Shall i register with fredpay and try to come to an arrangement?

 

Please help as i am in a bit of a state here.

 

Thankyou

 

Hi akania,

 

I'm new here but having read up (and being in trouble myself with) these con artists, then I'll try and give you a little advice.

 

First of all don't panic, a company like this isn't likely to go to court over such a small amount - it's not worth their time, but that doesn't mean they won't. As sillygirl said, try and offer them the amount you originally borrowed and see what response you get. Their charges are beyond ridiculous and these "doorstep collectors" must be called Casper because nobody's ever seen them!!

 

In another thread one person has recieved a court claim against her from MC and it's been sat around for a good 4 months now and they haven't heard a peep from them. Just make sure you contact them as best you can and don't bury your head in the sand or worry too much over it (I did in the past, got in way too much trouble) - if you can prove in court that you've made payments, are struggling and have contacted them as best you can without a suitable reply then it'll go against them.

 

OFT guidelines state:

 

h. asking or instructing debtors to make contact on premium rate

telephone numbers.

 

f. pressurising debtors to pay in full, in unreasonably large instalments,

or to increase payments when they are unable to do so

 

e. applying charges which are disproportionate to the main debt.

 

d. applying unreasonable charges, for example, charges not based on actual

and necessary costs

 

That these are unfair practices. If they have imposed all those against you then sit tight and complain to the OFT about it. They'll give you further advice I'm sure :-D

Link to post
Share on other sites

Hey Akania, try to calm down petal. Freds will huff and puff. I've had encounters with them in the past and been threatened with court action but nothing has ever come of it. If it did go to court, you can show that you have been trying to negotiate payment with them and they are just being twats! And I doubt a judge would look favourably on that kind of behaviour and Freds would have to explain themselves as to why they have been so uncooperative!

 

Don't let them intimidate you. Did you complain as SillyGirl suggested? Are they still calling you at work or on a mobile/landline? Have you sent the harrassment by telephone letter RD? If not do it as this will stop the calls or at least the frequency. Send them it to their registered address and send it by fax as well as RD if you can.

 

As already suggested complain! In the meantime relax a little, breath and I'm sure the experienced Caggers will be along soon to help you some more.

 

Chin up petal all is not lost!

 

Coffee

Link to post
Share on other sites

Thank you so much for the advice and taking the the time to make me feel better xxxxx

 

Seems like a good bunch of people here, that's why I signed up!

 

They're hard to deal with but YOU CAN get through with them, no matter how stubborn they want to be. I've stupidly been involved with these players for a few years, hopefully my hideous past experiences can help a little. I have to admit, I got a bit lairy with MC earlier when trying to sort out my loan with them, some Spanish woman constantly saying "no." gets terribly frustrating..

Link to post
Share on other sites

A very good bunch of people. I tell anyone who has problem to come on here and get advice when all seems lost because it really isn't not with CAG watching your back!

 

So as I said chin up petal, you're in the right place :-)

 

Best,

 

Coffee

Link to post
Share on other sites

With Freds all they want is the money, they are not a good company at all and are hand in hand with another dodgy legal lot, these are easily beaten though.

 

Whatever they say you only owe the original loan amount and one months interest, no set up fees nor fees or charges of any kind.

Link to post
Share on other sites

Freds use Bryan Carter (works from the same offices) he is sent packing by a defence, done it lots of times for people on this forum, if it is Carter Forbes they too back down when defended. There is little to worry about, if they go to court and loose the case they cannot chase again.

Link to post
Share on other sites

Yes they do take people to court, and people on this forum have beaten them in court.

 

Stop worrying and questioning everything and sit back and relax. You are EXACTLY in the position the companies want you to be in and they will pile on the pressure the more you react to them.

Link to post
Share on other sites

Yes they do take people to court, and people on this forum have beaten them in court.

 

Stop worrying and questioning everything and sit back and relax. You are EXACTLY in the position the companies want you to be in and they will pile on the pressure the more you react to them.

 

Do they ever win in court? Do you just end up paying back amount plus 1 month anyway? i know i'm questioning alot but i just wanna make sure i know everything i need too and it is hard not to worry

Link to post
Share on other sites

They only win if you do not follow the court procedure and submit a defence.

 

They have been held to the original loan and one months interest in court.

 

You cannot possibly anticipate every move they will make, you will only make yourself very very anxious.

Link to post
Share on other sites

They only win if you do not follow the court procedure and submit a defence.

 

They have been held to the original loan and one months interest in court.

 

You cannot possibly anticipate every move they will make, you will only make yourself very very anxious.

 

i know i will.

 

Is that as a rule what courts order though original loan plus one month interest

Link to post
Share on other sites

  • 2 weeks later...

HiCan you tell me what part of the law says that they can only claim the original loan and the original interest?I am dealing with three payday loan company debts, and have been told by one of them that they have transferred the debt to Mackenzie Hall, so I'm bracing myself for them to get in touch.If I knew what to quote to these people, I can start fighting to remove the compounded interest and charges from my accounts.ThanksDM

At the end of the day all you owe is the original loan and one months interest, they will pile on fees and charges and they cannot legally do this, they know that but hope to draw in uninformed people. Now you have found CAG you can get out of this mess.

 

Ignore Mackenzie Hall - they have no powers whatsoever and you can report them to East Ayrshire Trading Standards if they phone you (which they love to do), they will threaten (as will other DCAs and the PDL companies themselves) the following

 

Immediate attachment of earnings (not possible in the UK without you defaulting on a court order)

Sending in doorstep field agents or bailiffs (bailiffs cannot use bailiff powers when collecting on common debt unless you have breached a court order)

Immediate issue of court judgement - they can issue the paperwork but it can be defended very simply.

Taking goods up to 9 times the value of the loan - No way....

Phoning employers to tell them you are in debt - complete breach of Data Protection and debt collecting guidelines

 

Basically they will huff and puff and threaten to tear your house down but cant do very much.

 

What you do need to do is get an alternative bank account and have your income paid into that, then you are protected from raids... most of the companies above are guilty of that. Halifax Easycash (signup online), the Co-op or the Post Office are good alternatives. Keep the old account to set up any payment plans and do not give out bank details over the phone.

 

Start complaining about them ringing you at work to

 

Trading Standards (www.tradingstandards.gov.uk)

Office of Fair Trading (www.consumerdirect.gov.uk)

 

They are not allowed to do this if you tell them not to ring, Mackenzie Hall did that to me and said I would loose my job, I pointed out to the guy if I did loose my job I wouldn't be able to make any payments to them - he exploded with rage.

 

You've taken the first steps to getting out of this rut.

 

If it is possible pay one debt off completely this month and leave the others, they will soon come to an agreement with you. Then pay one of next month (its called snowballing and is better than paying a little bit to each).

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...