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    • I've just seen your new post. A letter before action is the same as a letter of claim. You don't need a template. You simply need to inform the garage that the vehicle you bought has developed X defect, Y defect, Z defect. He has already been informed of them and given an opportunity to repair and he has either refused the chance to repair or else he has attempted the repair and it has failed – whichever is the case and so under the consumer rights act you are asserting your right to reject the vehicle and you want him to make the appropriate arrangements to collect the vehicle and to refund you the purchase price – plus any associated losses – and if he does not do so within 14 days then you will sue him in the County Court and without any further notice. Don't make this threat if you're not serious about going ahead with it. On day 15 issue the papers. In the intervening 14 days register with money claim and start preparing your particulars of claim. You can post them here if you want us to check them. Whatever you do, on day 15 you send them the good news
    • Well done Shelley. I'll amend your thread title.   HB
    • I'm afraid that your story is rather overlong. It would have been easier to understand it all if there had been less of a narrative and more of a bullet pointed chronology of facts. Although you informed the dealer within 30 days that there was a problem, the Consumer Rights Act requires that there be a clear and unambiguous assertion of your short-term right to reject the vehicle. It doesn't appear to me that you have done this. This isn't a problem at all because you are still well within six months. I understand that you have given them an opportunity to repair and that you have now rejected the vehicle. This is enough to trigger your rights under the Consumer Rights Act as long as the defects which you are complaining about are sufficient to render the vehicle as less than satisfactory quality. As I say, I haven't read through the detail of your story and I certainly haven't looked at all of the PDFs that you have apparently uploaded but I get the impression that you have been quite meticulous in keeping records. I've looked at the Google reviews of Elite and I have to say it doesn't bode very well. https://www.google.com/search?q=Elite+Preowned+Vehicles&rlz=1C1CHBF_en-GBGB822GB822&oq=Elite+Preowned+Vehicles&aqs=chrome..69i57j0l2j69i60j69i61l2.575j0j7&sourceid=chrome&ie=UTF-8#lrd=0x47d8aa4f43f644d7:0x8e93221101489523,1,,,  There is no trust pilot page for them as yet. Maybe you would like to attend to that. You say that the dealer is fond of using social media so that kind of thing is important. Site team member@dx100uk has already suggested that you issue a letter of claim and that certainly seems the way to go although if you are driven to actually mount a claim and presented in court that I hope you won't mind me suggesting that you need to stop being a little bit more economical about the way you present your case. Just in case there is any debate over the defects which have been discovered and their significance then if you haven't done this already, you should make sure that you have got assessments and even quotations for the work from independent garages.
    • Hello dx100uk. Thanks for your attention and help with this. You had an even later night than me! I clicked on the 'letter before action' link which you kindly gave me. This took me to BankFodder's post 'Small Claims actions in the County Court FAQ - work in progress' which I have read through and also the 'Pre-Action Protocol' and 'Letter of Claim' links. I couldn't find reference to a Letter Before Action or is this the same as a Letter Of Claim? Also, my rejection letter already mentioned a 14 day period (taking us to 05/08/2019) for him to get back to me. Is it ok to send a Letter Before Action now? I only ask as I wouldn't want this to be viewed dimly by the court if it goes that far. I do understand that I need to take action as soon as possible so these are just a few clarification questions. I shall google for some Letter Before Action Templates and put something together. Thanks again.
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Hi. I'm new to this site and need advice. I have got 4 Payday loans due to default on 31/08/11..

 

Quick Quid £675.00

Payday Express £500.00

Payday UK £375.00

Lending Stream £232.00

 

After reading this forum for the past week i have taken in all your advice- so i have reported my debit card stolen and am due to set up a new bank account on Tuesday. I have been in touch initially via phone to all of the payday lenders except Lending Stream to discuss a repayment plan.

Situation so far-Quick Quid are wanting 4 payments but will stop the interest but wanting payment via debit card.

Payday Express are wanting 5 payments but will reduce interest each month.

Payday Uk-have to default 1st and someone will ring me to discuss a payment plan.

Regarding Lending Stream i was trying to repay them on my payday.

 

But do i repay Lending Stream or use that money to deal with Payday Express as it sounds like they are a nightmare to deal with.

I have also sent numerous emails to Quick Quid and Payday Express requesting there Bank details but still no reply.

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Welcome to the site.

Your comments echo those of many we have seen.

Far better to put something in writing and send recorded,rather than email,keeping a copy.

They have a duty and a requirement as holdersof a Consumer Credit licence,to respond to you,to deal fairly,and transparantly.


Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Thread moved.


Welcome to Consumer Action Group

 

'Challenges are what makes life interesting; overcoming them is what makes life meaningful.'

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If they want a debit card to make payments, get one of the prepaid ones and load it with the amount you want to pay - that way they can't raid your bamk account.


Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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Hi. I'm new to this site and need advice. I have got 4 Payday loans due to default on 31/08/11..

 

Quick Quid £675.00

Payday Express £500.00

Payday UK £375.00

Lending Stream £232.00

 

After reading this forum for the past week i have taken in all your advice- so i have reported my debit card stolen and am due to set up a new bank account on Tuesday. I have been in touch initially via phone to all of the payday lenders except Lending Stream to discuss a repayment plan.

Situation so far-Quick Quid are wanting 4 payments but will stop the interest but wanting payment via debit card.

Payday Express are wanting 5 payments but will reduce interest each month.

Payday Uk-have to default 1st and someone will ring me to discuss a payment plan.

Regarding Lending Stream i was trying to repay them on my payday.

 

But do i repay Lending Stream or use that money to deal with Payday Express as it sounds like they are a nightmare to deal with.

I have also sent numerous emails to Quick Quid and Payday Express requesting there Bank details but still no reply.

 

Can i ask how did you get Payday Express to accept a payment plan with you?

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Finally-just received email from Payday Express with there banking details, so will either set up Standing Order or even pop into there bank to pay.

Also good idea about the pre-paid debit card-will look into this for paying Payday uk and Quick Quid.

Can anyone recommend one??

 

Might just have enough money to pay of Lending Stream.

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Finally-just received email from Payday Express with there banking details, so will either set up Standing Order or even pop into there bank to pay.

Also good idea about the pre-paid debit card-will look into this for paying Payday uk and Quick Quid.

Can anyone recommend one??

 

Might just have enough money to pay of Lending Stream.

 

Did payday express just allow you to set up payment plan with them?

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Spoke to someone from there Collections Dept. Refused to freeze the interest but willing to reduce the interest each month.

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Spoke to someone from there Collections Dept. Refused to freeze the interest but willing to reduce the interest each month.

 

I recieved email though saying that they only offer repayment plans in cases of

 

 

Severe Disability or illness (not excluding close family members)

Terminal illness or Mental illness (not excluding close family members)

Deceased (not excluding close family members)

Redundancy or Reduced hours (contractual hours reduced by company)

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Paying off over 5 months-so hopefully will get that paid off at the end of December.Hoping to be debt free for The New Year.She wouldn't accept it over a longer period.

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Did you come in under any of this criteria

 

Severe Disability or illness (not excluding close family members)

Terminal illness or Mental illness (not excluding close family members)

Deceased (not excluding close family members)

redundancy or Reduced hours (contractual hours reduced by company)

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Spoke to Jo (female) from Collections.I wrote everything down regarding what was agreed but still waiting on a confirmation email.

But at least they have sent me there Bank details.

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Spoke to Jo (female) from Collections.I wrote everything down regarding what was agreed but still waiting on a confirmation email.

But at least they have sent me there Bank details.

 

see i offered them a 6 month payment plan but they said i can't have it because i don't come under there criteria of

 

Severe Disability or illness (not excluding close family members)

Terminal illness or Mental illness (not excluding close family members)

Deceased (not excluding close family members)

redundancy or Reduced hours (contractual hours reduced by company)

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RE Darren MO..

 

No, i don't fall into any of those criteria. For the past 2 month's i've been paying the interest and nothing towards the loan so she explained unable to freeze the interest but she will reduce interest each month and that was agreed on Monday.

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RE Darren MO..

 

No, i don't fall into any of those criteria. For the past 2 month's i've been paying the interest and nothing towards the loan so she explained unable to freeze the interest but she will reduce interest each month and that was agreed on Monday.

 

Interesting, I only going to offer them amount owed plus interest and stick to it, they really are a pain.

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It looks like it depends on who you speak to from Payday express..

 

Have you had emails comfirming your payment plan?

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It looks like it depends on who you speak to from Payday express..

 

Have you had emails comfirming your payment plan?

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Finally-just received email from Payday Express with there banking details, so will either set up Standing Order or even pop into there bank to pay.

Also good idea about the pre-paid debit card-will look into this for paying Payday uk and Quick Quid.

Can anyone recommend one??

 

Might just have enough money to pay of Lending Stream.

 

If you are on O2 they do a prepaid visa debit for their customers, but there's lots to choose from if you google prepaid debit cards - remember to put UK in the search or you'll get some wierd and wonderful results


Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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So will start to pay Payday Express on 31/08/11 but have sent another email requesting confirmation of the payment plan.

Quick Quid-not due to start til 30/09/11-just got email from them asking me to confirm my bank details for the direct debit- so there not pushing for payment via debit card.

Payday Uk-will start to deal on Wednesday-31/08/11-once i default.

Lending Stream-do i pay off or use money towards Payday Express???

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Do not give QQ your bank details, there's strong chance they will help themselved to what they want ! As them for their bank details.


Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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I thought paying by Direct Debit is safer than paying with my Debit Card because of the Direct Debit guarantee..

I have been asking Quick Quid for there Bank details ever since Monday but they keep refusing.

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They could change the amount of the direct debit or change the date - I know under the DD guarantee you are supposed to be advised of any changes first, but given their reputation I doubt very much if they would do that. If you have a new bank account that none of the payday loan companies have details for, don't make the mistake of trusting them with the new account number.


Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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Got an appointment on Tuesday to open new bank account. Don't have Debit card for old account as i reported it stolen. Also can't close current bank account as have overdraft.

I will keep emailing them for there bank details-but don't want this to go to Debt collection agency- currently looking into Prepaid Debit card.

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